How to Save on Insurance for your Mitsubishi Eclipse
If searching for lower car insurance rates was a good time, we'd have no problem finding the best rate. But the reality is, you probably don't enjoy it and you think it costs too much. Finding affordable coverage for your Mitsubishi Eclipse probably is no different.
Step One: Compare Rates from Multiple Companies
If you haven't shopped for car insurance for awhile you might remember the days when the only option was to visit a local insurance agent. Times have changed!
You can compare insurance rates for a Mitsubishi Eclipse simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
Compare rates now by clicking the link below. In just a few minutes you'll have a good idea of what insurance will cost for your Mitsubishi Eclipse.
Important! If you already have liability and physical damage coverage on your Eclipse, it's important to keep the same limits and deductibles throughout the quote process. This allows you to fairly compare rates for many companies. If you use different limits and coverages for each quote, you won't be able to judge if the final rate is better or worse than other quotes.
Step Two: Insider Tips for Finding Cheaper Eclipse Insurance
What you actually pay to insure your Mitsubishi is determined by many factors, some of which you have no control over.
- If you have a high credit score, you will be rewarded with lower insurance rates. Conversely, if your credit rating is on the low site, your rates will be higher.
- One of the easiest ways to keep your rates down is to drive safe. One speeding ticket can boost your rates for three years.
- Sports cars tend to have larger engines and higher top speeds which increases the chance of an accident.
- Renting a house or apartment rather than owning a home may keep you from paying the lowest rates on car insurance. Home ownership is viewed as being more financially responsible than renting.
- Every parent dreads the day when their teenager gets added to their policy. If you are a teenager, or if you have one on your policy, expect to pay significantly more each year.
- Never allow one policy to expire without having a new policy effective the same date. This causes a lapse in coverage and if you don't have insurance for any length of time, your next policy will cost you more.
- A claim-free discount can help keep your rates down, so don't file claims that are only marginally more than your deductible. You're better off keeping the discount.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- Most Mitsubishi vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- Being a senior citizen can qualify you for a small discount on your insurance rates. Older drivers are generally more cautious so they get a lower rate.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
- Consider using higher deductibles for physical damage coverages like comprehensive and collision. Higher deductibles save money since you're willing to pay more out-of-pocket at claim time.
Step Three: Buy the Policy That's Right for You
Now that you hopefully have several rates to compare and have made any changes needed to your individual coverages, you can choose the best company to insure your Eclipse with.
If you're cancelling an old policy, make sure the new coverage starts the same day your old policy ends. This avoids any penalty for having a lapse in coverage which can cost you more.
If this is a new policy with only the Mitsubishi on it, be sure to have coverage before leaving the dealership or car lot. If you're adding it to an existing policy, you have anywhere from 15 to 30 days depending on the company. Coverage that extends from an existing policy is only as good as your current coverage. So if you don't carry full coverage on any vehicles, you won't have it on your new Eclipse.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. If you have received a DUI, reckless driving citation or caused an accident without insurance, you may be required to file an SR-22 with your state DMV. Make sure your new company is aware of the SR-22 filing requirement.
More Resources
For more information on car insurance, please visit the Insurance Information Institute's auto insurance informational page.
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