View 1993 Mercury Topaz Insurance Quotes

I can’t think of a single person who likes buying insurance, particularly when they are paying too much. Multiple insurance companies compete to insure your vehicles, and it can be difficult to compare rates and uncover the absolute best rate

If you have a policy now or are just looking to switch companies, you can use these tips to cut your premiums and possibly find even better coverage. Finding affordable coverage is not rocket science. Drivers just need to understand the proper way to compare company rates online.

Auto insurance companies offer many discounts

Some insurers do not advertise every policy discount very clearly, so the next list breaks down some of the best known as well as the least known discounts you could be receiving when you buy auto insurance online. If you check and find you aren’t receiving every discount available, it’s possible you qualify for a lower rate.

  • More Vehicles More Savings – Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
  • Bundled Policy Discount – When you combine your auto and homeowners insurance with one insurance company you could save at least 10 to 15 percent or more.
  • Anti-lock Brake System – Vehicles that have anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Anti-theft System – Cars and trucks that have factory anti-theft systems help deter theft and that can save you a little bit as well.
  • Renewal Discounts – Some companies provide a discount for switching to them prior to your current policy expiring. It could save around 10% when you buy auto insurance online.
  • Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up before driving could cut 10% or more on medical payment and PIP coverage.
  • Sign Online – Some auto insurance companies provide a small discount just for signing your application online.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Topaz insurance with a few auto insurance companies.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though you would think adding up those discounts means a free policy, companies don’t profit that way. But any discount will definitely reduce your overall premium however.

Some of the larger companies who might offer these discounts possibly include:

If you want inexpensive auto insurance quotes, ask each company or agent what discounts are available to you. Some discounts might not be offered in every state. For a list of companies who offer cheap auto insurance quotes, click this link.

Finding auto insurance

There are several ways to compare auto insurance prices but one way is less labor-intensive and much quicker. You can waste a lot of time talking to insurance agencies in your area, or you can stay home and use online quoting to get pricing more quickly.

All the larger companies take part in a program that enables customers to submit one quote, and each company provides a quote determined by their information. This prevents consumers from doing quote forms to every company.

To fill out one form to compare multiple rates now click here to open in new window.

The one disadvantage to getting quotes like this is you don’t know exactly which carriers to get pricing from. So if you prefer to pick from a list of companies to compare rates, we have a listing of the cheapest auto insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just be sure you’re using the exact same coverages with each company. If the quotes have different values for each quote it’s not possible to determine the best price for your Mercury Topaz.

Do I just need basic coverages?

When buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different and your policy should reflect that. These are some specific questions could help you determine whether your personal situation will benefit from professional help.

  • Should I sign the liability waiver when renting a car?
  • Can I rate high risk drivers on liability-only vehicles?
  • Are my friends covered when driving my 1993 Mercury Topaz?
  • Will my insurance pay for OEM parts?
  • Do I need added coverage for expensive stereo equipment?
  • Does my 1993 Mercury Topaz need full coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need roadside assistance coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Parts of your insurance policy

Understanding the coverages of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages available from insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like theft, hitting a bird and hitting a deer. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

This will pay to fix damage to your Topaz resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with another moving vehicle, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Mercury Topaz.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses like prosthetic devices, rehabilitation expenses, hospital visits and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability coverage protects you from damage that occurs to people or other property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as loss of income, medical expenses, medical services and pain and suffering. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Smart consumers save more

Cheaper auto insurance is definitely available online and with local insurance agents, and you should be comparing both to get a complete price analysis. A few companies may not offer the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

When trying to cut insurance costs, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, an insured dropped physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.

We covered a lot of ways to lower your 1993 Mercury Topaz insurance rates. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the biggest savings come from a smaller regional carrier. Smaller companies may only write in your state and offer lower car insurance rates compared to the large companies like Allstate, Geico and Progressive.

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