1994 Mercury Capri Insurance Quotes – 10 Ways to Save

Trying to find cheaper insurance coverage rates for your Mercury Capri? If you’re new to shopping for auto insurance quotes online, it’s easy to get bewildered by the vast assortment of companies competing for business.

If you have car insurance now, you will be able to save some money using these tips. Finding the cheapest insurance coverage is simple if you know the tricks. Although car owners must know the way companies sell insurance online and take advantage of how the system works.

Cheapest insurance quotes

When comparison shopping, there are several ways to compare rate quotes from different companies. The best method to compare 1994 Mercury Capri insurance prices consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.

  • Probably the best way to get quotes is a comparison rater form click to view form in new window. This easy form eliminates the need for boring form submissions for every insurance company. One quote request gets you coverage quotes from insurance companies with the best prices. This is perfect if you don’t have a lot of time.
  • A slightly less efficient method to find better pricing requires a trip to the website of each company to complete a price quote. For instance, let’s assume you want to see prices from Allstate, Safeco and Farmers. In order to compare rates, you need to spend time going to each site individually to enter the same coverage data repeatedly, which can take a lot of time.

    For a handy list of car insurance company links in your area, click here.

  • The hardest way to find cheaper rates is to spend time driving to insurance agents’ offices. Quoting online eliminates this option unless you prefer the peace of mind that can only be provided by a licensed insurance agent. Although, it is possible get prices online but have a local agent actually write the policy.

It’s your choice how you get your quotes, but do your best to enter nearly identical quote information on every quote. If you use different data it’s not possible to find the best deal for your Mercury Capri. Quoting even small variations in insurance coverages or limits may result in a large different in cost. And when quoting insurance, remember that comparing more quotes helps improve the odds of finding more affordable rates.

Insurance rates and discounts

Insurance is not cheap nor is it fun to buy but you might find some hidden discounts that can help lower your rates. Some discounts apply automatically at the time of quoting, but some must be specially asked for before being credited. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Accident-Free Discounts – Drivers with accident-free driving histories can earn big discounts when compared with drivers who are more careless.
  • Buy New and Save – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Multiple Cars – Drivers who insure more than one vehicle on a single policy can reduce rates for all insured vehicles.
  • Good Grades Discount – Excelling in school may save as much as 25% on a auto insurance quote. This discount can apply until age 25.
  • Include Life Insurance and Save – Insurance companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Driver’s Ed – It’s a good idea to have your young drivers successfully complete driver’s ed class if it’s offered in school.
  • Discount for Swiching Early – Some insurance companies provide a discount for buying a policy before your current coverage expires. You may see this discount when you get auto insurance quotes online.
  • Onboard Data Collection – Policyholders that allow driving data submission to spy on where and when they drive remotely such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they exhibit good driving behavior.
  • Active Service Discounts – Having a deployed family member may lower your rates slightly.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts may get savings as much as 30%.

Policy discounts save money, but most of the big mark downs will not be given to your bottom line cost. Most only cut the price of certain insurance coverages like medical payments or collision. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way. Any qualifying discounts will definitely reduce your policy premium.

To find insurance companies with discount rates, click here.

Situations that may require an agent’s advice

When buying adequate coverage for your vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

These are some specific questions could help you determine if your situation would benefit from an agent’s advice.

  • Is my Mercury Capri covered if I use it for business?
  • How does medical payments coverage work?
  • Will my insurance pay for OEM parts?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How do I insure my teen driver?
  • Is my state a no-fault state?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance coverages 101

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as falling objects, rock chips in glass, a tree branch falling on your vehicle and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage – Collision coverage will pay to fix damage to your Capri resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Liability insurance – Liability coverage can cover injuries or damage you cause to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like repair costs for stationary objects, medical services, bail bonds, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like ambulance fees, prosthetic devices, pain medications and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Be a penny pincher

We just showed you many tips how you can lower your 1994 Mercury Capri insurance premium rates. The key concept to understand is the more times you quote, the better your comparison will be. You may even find the best premium rates are with some of the lesser-known companies.

Cheaper insurance coverage can be found from both online companies and from local insurance agents, so get free auto insurance quotes from both of them to have the best selection. Some insurance coverage companies don’t offer the ability to get quotes online and usually these regional carriers provide coverage only through independent agencies.

Insureds change insurance companies for a variety of reasons including high prices, unfair underwriting practices, high rates after DUI convictions and policy cancellation. No matter why you want to switch, finding a new company can be pretty painless.

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