1991 Mercury Sable Insurance Cost

Searching for better insurance rates for your Mercury Sable? Getting discount insurance is somewhat intimidating for beginners to comparing rates and buying insurance on the web. With so many insurers available, how can drivers even start to compare every company in order to find better rates?

Compare quotes for car insurance

All major car insurance companies like State Farm and Allstate allow consumers to get price estimates from their websites. This process is pretty easy as you just type in into the quote form. Upon sending the form, their quoting system orders reports for credit and driving violations and quotes a price based on many factors.

Being able to quote online simplifies rate comparisons, but the work required to visit multiple sites and type in the same data gets old quite quickly. Unfortunately, it is important to do this in order to get the best price possible.

Keep reading for an easier way to compare prices

A more efficient way to find lower prices uses just one form to get prices from several different companies. It’s a real time-saver, eliminates repetitive work, and makes price shopping online a lot less work. After your information is entered, it gets priced and you are able to buy any one of the pricing results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The whole process just takes a couple of minutes and you’ll know if lower rates are available.

To compare pricing, click here to open in a new tab and enter your vehicle and coverage information. If you have a policy now, it’s recommended you replicate the coverage information identical to your current policy. This makes sure you will receive rate quotes based on identical coverages.

Drivers can save with these discounts

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but occassionally some discounts must be requested specifically before being credited.

Seat Belt Discounts – Buckling up and requiring all passengers to buckle up could cut 10% or more on medical payment and PIP coverage.
One Accident Forgiven – Not really a discount, but companies like Geico, Progressive, and Allstate allow you one accident without getting socked with a rate hike so long as you are claim-free prior to the accident.
Early Renewal Discounts – A few car insurance companies offer discounts for renewing your policy prior to your current policy expiring. The savings is around 10%.
Save with More Vehicles Insured – Drivers who insure several vehicles with one company could earn a price break for each car.
Theft Deterent System – Vehicles that have factory alarm systems and tracking devices help deter theft and earn discounts up to 10% off your car insurance quote.
Policy Bundle Discount – When you have multiple policies with the same company you will save up to 20% off your total premium.

You should keep in mind that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, you’re out of luck.

To locate insurers that offer many of these discounts, click this link.

Special considerations

When buying coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if you could use an agent’s help.

Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need roadside assistance coverage?
What companies insure drivers after a DUI or DWI?
Am I covered if my car is in a flood?
I have good health insurance, so how much medical payments coverage do I need?
Can I get a multi-policy discount?
What if I owe more than I can insure my car for?
Are my friends covered when driving my 1991 Mercury Sable?
How much underlying liability do I need for an umbrella policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

What determines Mercury Sable insurance rates?

It’s important that you understand some of the things that play a part in calculating your policy premiums. When you understand what controls the rates you pay, this allows you to make educated decisions that can help you get lower rates.

The items below are just a few of the factors companies use to determine premiums.

Premiums and your address – Living in small towns and rural areas has it’s advantages when it comes to insurance coverage. Drivers in populated areas regularly have more traffic problems and more severe claims. Fewer drivers means less chance of accidents in addition to lower liability claims
Car and home together may be cheaper – Most major insurance companies apply discounts to clients who consolidate policies with them, otherwise known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even if you already get this discount, it’s always a smart idea to compare rates to help ensure you have the lowest rates. Drivers may still save even more than the discount by buying from different companies
Single drivers take more risk – Having a wife or husband actually saves money when buying insurance coverage. Having a spouse demonstrates that you tend to be more responsible and insurance companies like that married drivers tend to file fewer claims.
Cheaper insurance coverage rates with safer cars – Vehicles with good safety scores can get you lower premiums. Vehicles engineered for safety reduce occupant injuries and lower rates of occupant injuries translates directly to fewer claims and thus lower rates.
Insurance coverage policy lapses increase prices – Going without insurance is a quick way to increase your rates. And not only will insurance be more expensive, failure to provide proof of insurance can result in a steep fine or even jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state DMV.
Younger vs. experienced drivers – Inexperience drivers have been known to be easily distracted in a vehicle so insurance coverage rates are higher. Mature drivers have been proven to be more responsible, cause fewer claims and accidents , and are generally more financially stable.
Credit history impacts premium rates – Your credit rating is a big factor in determining your rates. Consumers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have worse credit. Therefore, if your credit can use some improvement, you could be paying less to insure your 1991 Mercury Sable by repairing your credit.
Insurance costs and driver gender – Over the last 50 years, statistics have shown that females take fewer risks when driving. This data doesn’t prove that men are worse drivers. Men and women are responsible for auto accidents at a similar rate, but the male of the species have costlier accidents. In addition to higher claims, males also get more serious tickets like reckless driving and DUI.

Car insurance coverages 101

Learning about specific coverages of a car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from getting keyed, vandalism, hitting a bird and falling objects. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like X-ray expenses, chiropractic care, nursing services, pain medications and funeral costs. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance

Liability coverage protects you from damage that occurs to other people or property in an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as structural damage, funeral expenses, medical services, attorney fees and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

This coverage covers damage to your Sable from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with another moving vehicle, crashing into a building, hitting a parking meter, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Mercury Sable.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Never pay more for less

Cheaper auto insurance is possible online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies may not have online rate quotes and usually these smaller companies only sell coverage through local independent agents.

People switch companies for many reasons like high prices, unfair underwriting practices, policy cancellation and an unsatisfactory settlement offer. No matter why you want to switch, finding a great new company is less work than it seems.

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where an accident victim reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at the best possible price and still be able to protect your assets.