Cheapest 2000 Mitsubishi Eclipse Insurance Rates in 2023
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UPDATED: Jun 2, 2023
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I can’t think of a single person who likes having to buy insurance coverage, especially knowing the price is too high. Online insurance companies like State Farm and GEICO promote their brand names with catchy ads and it is challenging if not impossible to see past the corporate glitz and take the time to shop coverage around.
It’s a great practice to get comparison quotes at least once a year since insurance rates go up and down regularly. Even if you think you had the best rates for Eclipse coverage on your last policy a different company probably has better rates today. Block out anything you think you know about insurance coverage because we’re going to demonstrate the right way to find great coverage at a great price.
If you are insured now or are looking for a new policy, you can use these techniques to get lower rates and possibly find even better coverage. Buying car insurance is quite easy. Drivers only need an understanding of how to shop their coverage around online.
Comprehensive Insurance Coverage Comparison
All major insurance coverage companies such as Progressive, Allstate and GEICO quote prices on their websites. Getting quotes doesn’t take a lot of time as you simply enter your required coverages as detailed in the form. After you submit the form the company’s rating system will obtain reports for credit and driving violations and quotes a price determined by many factors. Online quotes streamlines rate comparisons, but the time it takes to visit each company’s website and repetitively enter the same data into a form is monotonous and tiresome. But it is imperative to have as many quotes as possible in order to get a better rate.
An easier way to get multiple rate quotes requires only one form to obtain quotes from many companies. The form is fast, requires less work, and makes online shopping much more efficient. After sending the form, your coverage is rated and you can choose your choice of the returned quotes. If the quotes result in lower rates, you simply finish the application and buy the new coverage. This process takes 15 minutes at the most and could lower your rates considerably.
To save time and compare rates now, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you duplicate deductibles and limits exactly as shown on your declarations page. This makes sure you will receive a rate comparison based on similar coverages.
More discounts equal less premium
Companies offering auto insurance don’t always publicize every discount very well, so we researched some of the more common and the harder-to-find insurance savings. If you don’t get every credit possible, you’re paying more than you need to.
- Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
- Safe Drivers – Safe drivers may receive a discount up to 45% less for Eclipse coverage than less cautious drivers.
- Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
- Multi-policy Discount – If you insure your home and vehicles with the same insurance company you may earn approximately 10% to 15%.
- Employee of Federal Government – Active or retired federal employment can save as much as 8% for Eclipse coverage depending on your company.
It’s important to understand that most discounts do not apply to the entire policy premium. Most only apply to individual premiums such as comp or med pay. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.
Companies that possibly offer these money-saving discounts may include but are not limited to:
- The Hartford
- American Family
- Farmers Insurance
- Liberty Mutual
Check with every prospective company which discounts you may be entitled to. Savings may not be available in your state.
It’s not one size fits all
When it comes to buying adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. For example, these questions may help highlight if your insurance needs would benefit from an agent’s advice.
- Does car insurance cover theft of personal property?
- What is an SR-22 filing?
- Am I covered when driving on a suspended license?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- What vehicles should carry emergency assistance coverage?
- When does my teenage driver need to be added to my policy?
- How does medical payments coverage work?
- How much underlying liability do I need for an umbrella policy?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.
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Car insurance coverage information
Knowing the specifics of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages offered by insurance companies.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things like a tree branch falling on your vehicle, rock chips in glass, a broken windshield, hitting a bird and hitting a deer. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.
Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things like crashing into a building, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.
Liability coverage – Liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability coverage pays for things such as repair costs for stationary objects, pain and suffering, bail bonds, structural damage and emergency aid. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.
Insurance for medical payments – Med pay and PIP coverage provide coverage for expenses such as X-ray expenses, hospital visits and ambulance fees. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Frequently Asked Questions
How can I find the cheapest insurance for my 2000 Mitsubishi Eclipse?
To find the cheapest insurance for your 2000 Mitsubishi Eclipse, consider the following steps:
- Shop around and compare quotes from multiple insurance providers.
- Opt for a higher deductible, which can help lower your premium.
- Inquire about discounts that you may be eligible for, such as safe driver discounts or bundling discounts.
- Maintain a clean driving record to demonstrate your responsible driving habits to insurers.
- Consider installing safety features in your vehicle, as some insurers offer discounts for vehicles with anti-theft devices or advanced safety features.
What factors influence the cost of insurance for a 2000 Mitsubishi Eclipse?
The cost of insurance for a 2000 Mitsubishi Eclipse can be influenced by several factors, including:
- Your age and driving experience
- Your location
- Your driving record and claims history
- The amount of coverage you select
- The deductible you choose
- The model and trim level of your Mitsubishi Eclipse
- The cost of repairing or replacing parts for the vehicle
- The frequency of theft or vandalism associated with the model
- The overall safety rating of the vehicle
Are there any specific discounts available for insuring a 2000 Mitsubishi Eclipse?
While specific discounts offered by insurance providers can vary, there are some common discounts that may be available for insuring a 2000 Mitsubishi Eclipse. These can include:
- Multi-policy discount: If you insure your Eclipse and another policy (such as homeowners or renters insurance) with the same provider, you may be eligible for a discount.
- Safe driver discount: If you have a clean driving record with no accidents or violations, you may qualify for a safe driver discount.
- Anti-theft device discount: If your Eclipse has an anti-theft device installed, it may be eligible for a discount as it can help prevent theft.
- Good student discount: If you or a young driver on your policy is a student with good grades, you may be eligible for a discount.
- Low mileage discount: If you drive your Eclipse less frequently, you may qualify for a low mileage discount.
Is liability insurance enough for my 2000 Mitsubishi Eclipse?
Liability insurance covers damages and injuries you may cause to others in an accident. While it is a legal requirement in most places, it does not cover damages to your own vehicle. If you solely have liability insurance and your Mitsubishi Eclipse gets damaged, you would be responsible for the repair costs. Depending on the value of your vehicle and your personal preferences, you may want to consider adding comprehensive and collision coverage to your insurance policy to protect your own vehicle as well.
Can I insure a 2000 Mitsubishi Eclipse if it has modifications?
Insuring a 2000 Mitsubishi Eclipse with modifications can vary depending on the insurance provider and the type of modifications made. Some modifications, such as aftermarket performance parts or extensive modifications, may increase the cost of insurance or require specialized coverage. It’s important to disclose any modifications to your insurance provider and discuss coverage options with them to ensure your vehicle is properly insured.
Should I consider classic car insurance for my 2000 Mitsubishi Eclipse?
Classic car insurance is typically designed for vehicles that are older than 15-25 years and meet specific criteria, such as limited use and preservation of the vehicle’s original condition. While a 2000 Mitsubishi Eclipse may not qualify as a classic car in most cases, you can check with insurance providers that offer classic car insurance to see if they have any specific requirements or exceptions for your Mitsubishi Eclipse. However, in general, a 2000 Mitsubishi Eclipse would not typically qualify for classic car insurance. It is more commonly insured through standard auto insurance policies.
Can I get insurance coverage for a 2000 Mitsubishi Eclipse if I have a poor driving record?
Having a poor driving record, such as a history of accidents or traffic violations, can make it more challenging to find affordable insurance coverage. Some insurance providers may be hesitant to insure drivers with a poor record or may offer higher premiums. However, it’s still possible to find coverage. Shopping around and comparing quotes from different providers is important. You may also consider seeking out insurance companies that specialize in high-risk drivers or working with an insurance broker who can help you find suitable coverage options.
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