1997 Mercury Sable Insurance Rates – 8 Tips for Best Quotes

Nobody that owns a car is fond of buying insurance, particularly when it costs too dang much.

Since people have many options, it is hard for the average consumer to choose the lowest cost company.

You should take the time to take a look at other company’s rates once or twice a year because insurance prices change regularly. Even if you think you had the lowest quotes for Sable insurance last year other companies may now be cheaper. Ignore everything you know about insurance because I’m going to teach you the things you must know in order to save on insurance.

Finding affordable coverage is not rocket science. In a nutshell, every driver who shops for auto insurance will be able to cut their insurance bill. Nevertheless, consumers must know the methods companies use to price insurance differently.

The quickest way to get policy rate comparisons takes advantage of the fact most of the larger companies have advanced systems to compare their rates. To start a quote, the only thing you need to do is provide a small amount of information like driver ages, how much coverage you want, if it has an anti-theft system, and the make and model of your vehicles. Your insurance information gets transmitted to insurance companies and you should receive rate quotes almost instantly.

To start a quote now, click here and enter your zip code.

Can you really save if you switch?

21st Century, Allstate and State Farm seem to constantly run ads on TV and radio. They all seem to make the same claim about how much you will save after switching your policy. How does every company charge you a lower premium? Here is how they do it.

All companies have a certain “appetite” for the driver that will not have excessive claims. One example of a desirable risk might be between 25 and 40, has other policies, and drives a safe vehicle. A customer getting a price quote who matches that profile will probably get cheap car insurance rates and will probably save some money.

Consumers who don’t measure up to the ideal profile will probably have to pay higher premium rates which results in business going elsewhere. If you listen to the ad wording, they say “people that switch” but not “all drivers who get quotes” save that much. That is how companies can make claims that they all have the best car insurance rates. This really emphasizes why you should get price quotes at each policy renewal. It is impossible to guess with any certainty which company will give you lower rates than your current company.

Auto Insurance Discounts

The cost of insuring your cars can be expensive, but you may qualify for discounts that could drop your premiums quite a bit. Some trigger automatically when you purchase, but less common discounts must be asked for prior to receiving the credit.

  • Drive Safe and Save – Drivers who don’t get into accidents can save up to 40% or more on their insurance coverage quote for Sable insurance than their less cautious counterparts.
  • Professional Organizations – Belonging to specific professional or occupational memberships or organizations could qualify you for a break on your next renewal.
  • No Charge for an Accident – Not a discount per se, but a handful of insurance companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
  • College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Discount for Home Ownership – Owning your own home or condo can save you money because maintaining a house is proof of financial responsibility.
  • Student Discount for Driver Training – Have your child successfully complete driver’s ed class if offered at their school.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles can help prevent theft and earn discounts up to 10% off your insurance coverage quote.
  • Telematics Data – Insureds who allow data collection to spy on where and when they drive by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if their driving habits are good.

Keep in mind that most discounts do not apply to your bottom line cost. Most cut specific coverage prices like liability and collision coverage. If you do the math and it seems like you would end up receiving a 100% discount, it’s just not the way it works. Any amount of discount should help lower your policy cost.

A list of companies and their possible discounts are shown below.

  • The Hartford discounts include driver training, air bag, good student, bundle, vehicle fuel type, and anti-theft.
  • American Family offers discounts including early bird, mySafetyValet, accident-free, air bags, bundled insurance, and multi-vehicle.
  • Progressive offers premium reductions for online signing, continuous coverage, multi-vehicle, online quote discount, and multi-policy.
  • Travelers includes discounts for payment discounts, new car, early quote, student away at school, IntelliDrive, save driver, and continuous insurance.
  • Farmers Insurance has savings for distant student, pay in full, business and professional, youthful driver, and alternative fuel.
  • USAA has discounts for loyalty savings, vehicle storage, good student, military installation, and safe driver.
  • Liberty Mutual may include discounts for good student, exclusive group savings, hybrid vehicle, new graduate, and newly retired.

When getting free insurance coverage quotes, it’s a good idea to each company or agent which discounts you may be entitled to. A few discounts may not be offered everywhere. If you would like to view companies with significant discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage, there really is no single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether your personal situation might need an agent’s assistance.

  • How do I buy GAP insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when pulling a rental trailer?
  • Are rental cars covered under my policy?
  • Why do I only qualify for high-risk insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • When does my teenage driver need to be added to my policy?
  • When would I need additional glass coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Learn about insurance coverages for a Mercury Sable

Having a good grasp of your insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Collision coverage protection

This coverage pays for damage to your Sable caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with a tree, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for expenses for X-ray expenses, rehabilitation expenses, funeral costs, nursing services and pain medications. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, rock chips in glass and a broken windshield. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance

This coverage can cover damages or injuries you inflict on a person or their property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as court costs, medical services, bail bonds and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mercury Sable.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Power to the consumer

Lower-priced 1997 Mercury Sable insurance can be sourced both online and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who may not offer online price quotes and these regional carriers provide coverage only through independent agents.

Throughout this article, we presented many ways to shop for 1997 Mercury Sable insurance online. The most important thing to understand is the more times you quote, the higher your chance of finding the cheapest insurance coverage. You may be surprised to find that the most savings is with a small mutual company. They may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as Progressive or Geico.

More detailed insurance information can be found in the articles below: