Cheapest 2006 Mitsubishi Eclipse Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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Expensive insurance coverage can overdraw your savings account and force you to prioritize other expenses. Comparing price quotes is free, only takes a few minutes, and is a good way to cut your insurance bill. Drivers have so many auto insurance companies to choose from, and though it is a good thing to be able to choose, it can be more challenging to compare rates.

Mitsubishi Eclipse rates are in the details

Consumers need to have an understanding of some of the elements that help determine insurance coverage rates. Knowing what determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • Consolidate policies to earn discounts – Many insurance companies will give a discount to customers who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to shop around to verify if the discount is saving money. You may still find a better deal by buying insurance coverage from a different company.
  • Small claims can cost you – If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies award cheaper rates to people who file claims infrequently. Your insurance policy is intended for major claims that would cause financial hardship.
  • Pay less after the wedding – Being married can actually save you money on insurance coverage. Having a significant other is viewed as being more mature than a single person and it’s proven that drivers who are married are more cautious.
  • Safe vehicles cost less to insure – Safer cars are cheaper to insure. The safest vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and thus lower rates. If the Mitsubishi Eclipse scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Your location is important – Being located in less populated areas can be a good thing when buying insurance coverage. Less people living in that area means reduced accidents as well as less vandalism and auto theft. Drivers who live in large cities tend to have much more traffic to deal with and much longer commute distances. Longer commute distances means more change of being in an accident.
  • Proper usage rating affects rates – Driving more miles in a year’s time the more you will pay for insurance coverage. Almost all companies price each vehicle’s coverage based on their usage. Autos that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your Eclipse may be wasting your money. Verify your insurance coverage coverage shows the proper vehicle usage.

How to Lower Your Auto Insurance Cost

Shopping for lower auto insurance rates can take time and effort if you aren’t aware of the best way to get rate quotes. You can spend your afternoon talking about coverages with agents in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Many of the larger companies participate in an industry program where insurance shoppers submit their information once, and every company provides a quote for coverage. This system prevents you from having to do quote requests to each individual auto insurance company.

To submit your quote information now, click here to start a free quote.

One minor caviat to using this type of form is buyers cannot specifically choose which carriers you want pricing from. So if you want to choose from a list of companies to receive pricing from, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using apples-to-apples coverage limits with every price quote. If each company quotes mixed coverages you can’t possibly determine the best price for your Mitsubishi Eclipse.

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements for cheaper car insurance from the likes of State Farm, Allstate and GEICO. All the ads have a common claim that you’ll save big after switching your coverage to them.

How can each company make almost identical claims?

Insurance companies are able to cherry pick for the type of driver that earns them a profit. For example, a desirable insured might be profiled as over the age of 50, a clean driving record, and drives less than 7,500 miles a year. A propective insured who matches those parameters is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who do not match these standards will be charged a more expensive rate which usually ends up with business not being written. Company advertisements say “people who switch” not “everyone that quotes” save that much money. This is how insurance companies can confidently advertise the savings.

That is why drivers should compare as many rates as you can. It’s just too difficult to predict which insurance coverage company will fit your personal profile best.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but you may find discounts to help bring down the price. Some trigger automatically when you complete an application, but less common discounts must be requested specifically prior to receiving the credit. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out life insurance.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • Defensive Driving Course – Successfully completing a driver safety course can save you 5% or more depending on where you live.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most cut specific coverage prices like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will cut the cost of coverage.

Companies that may offer these money-saving discounts may include but are not limited to:

Before buying, ask each company which discounts they offer. Discounts might not be offered everywhere.

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Tailor your coverage to you

When choosing the right insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • Are split liability limits better than a combined single limit?
  • Is there coverage for injuries to my pets?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How do I buy GAP insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

The coverage is in the details

Having a good grasp of a car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on the average car insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2006 Mitsubishi Eclipse.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are similar to your liability insurance amounts.

Collision protection

Collision coverage pays for damage to your Eclipse resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, colliding with another moving vehicle, crashing into a building, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, falling objects, theft, vandalism and hitting a deer. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like prosthetic devices, X-ray expenses and doctor visits. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Liability coverage

Liability insurance protects you from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as pain and suffering, legal defense fees, loss of income and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Final thoughts

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, someone sacrificed uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage for the lowest price while still protecting your assets.

In this article, we presented a lot of techniques to lower your 2006 Mitsubishi Eclipse insurance rates. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with the smaller companies. These companies often have lower prices on specific markets as compared to the big name companies such as State Farm, GEICO and Nationwide.

Lower-priced insurance is definitely available both online as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies don’t offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

To read more, take a look at the following helpful articles:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I find the cheapest insurance for a 2006 Mitsubishi Eclipse?

Finding the cheapest insurance for your 2006 Mitsubishi Eclipse requires some research and comparison. Here are a few tips to help you get started:

  • Shop around: Obtain quotes from multiple insurance companies to compare their rates. Each insurer has its own pricing structure, so it’s essential to compare different options to find the best deal.
  • Consider different coverage levels: Assess your insurance needs and determine the coverage levels you require. Opting for higher deductibles and lower coverage limits can often help reduce your insurance premium.
  • Maintain a clean driving record: Insurance companies consider your driving history when determining premiums. Maintaining a clean driving record, free of accidents or traffic violations, can help you qualify for lower rates.
  • Explore available discounts: Many insurance companies offer various discounts that can help lower your premium. Examples include safe driver discounts, multi-policy discounts, and discounts for installing safety features in your vehicle.
  • Check for group or affiliation discounts: Some insurers provide discounted rates to members of specific groups or organizations. Check if you qualify for any group or affiliation discounts that could potentially lower your insurance costs.

Are there any specific factors that affect insurance rates for a 2006 Mitsubishi Eclipse?

Yes, several factors can influence the insurance rates for a 2006 Mitsubishi Eclipse. These factors include:

  • Age and gender: Younger drivers and males statistically have higher accident rates, which can result in higher insurance premiums.
  • Driving record: A history of accidents, traffic violations, or DUI convictions can increase insurance costs.
  • Location: Insurance rates can vary based on where you live. Areas with higher crime rates or a higher number of accidents may lead to higher premiums.
  • Vehicle usage: How you use your car can impact insurance rates. If you use your 2006 Mitsubishi Eclipse for business purposes or have a long daily commute, your premiums might be higher.
  • Coverage options: The types and levels of coverage you choose will affect your insurance costs. Additional coverage, such as comprehensive and collision, will typically result in higher premiums.
  • Vehicle safety features: Having safety features in your 2006 Mitsubishi Eclipse, such as anti-lock brakes, airbags, and anti-theft devices, may help reduce your insurance costs.

Can I get insurance coverage for my 2006 Mitsubishi Eclipse if it has modifications or aftermarket parts?

Yes, it is possible to get insurance coverage for a 2006 Mitsubishi Eclipse with modifications or aftermarket parts. However, it’s important to disclose these modifications to your insurance provider accurately.

Are there any specific insurance providers that offer cheaper rates for a 2006 Mitsubishi Eclipse?

The availability and pricing of insurance can vary depending on your location and other personal factors. It’s essential to compare quotes from multiple insurance providers to find the best rates for your 2006 Mitsubishi Eclipse.

Does the color of my 2006 Mitsubishi Eclipse affect my insurance rates?

No, the color of your vehicle does not typically affect your insurance rates. Insurance companies primarily consider factors such as the make, model, age, and condition of your vehicle, as well as your driving history and location.

Do I need full coverage insurance for my 2006 Mitsubishi Eclipse?

The need for full coverage insurance depends on several factors, including your financial situation, the value of your vehicle, and your personal preferences. Full coverage typically refers to a combination of comprehensive and collision coverage, which provides protection against damage to your vehicle in various scenarios. If your 2006 Mitsubishi Eclipse is financed or leased, your lender may require you to carry full coverage. However, if you own the vehicle outright and its value has significantly depreciated, you may choose to opt for liability-only coverage.

What is the minimum insurance coverage required for a 2006 Mitsubishi Eclipse?

The minimum insurance coverage requirements vary by state. In most states, you are required to have liability insurance, which covers bodily injury and property damage caused to others in an accident where you are at fault. It’s essential to familiarize yourself with your state’s specific insurance requirements and ensure you meet the minimum coverage limits.

Does my 2006 Mitsubishi Eclipse qualify for any safety or anti-theft device discounts?

The 2006 Mitsubishi Eclipse may qualify for safety and anti-theft device discounts, depending on the features it has. Common safety features that may lead to discounts include anti-lock brakes (ABS), airbags, traction control, and electronic stability control. Anti-theft devices such as alarms or vehicle tracking systems can also contribute to lower insurance premiums. Contact your insurance provider to inquire about specific discounts related to safety and anti-theft devices for your 2006 Mitsubishi Eclipse.

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