Looking for lower auto insurance rates for your Mercury Sable? Are you kicking yourself for buying an expensive auto insurance policy? Don’t feel bad because many consumers are in the same pinch.
Numerous auto insurance companies battle for your insurance dollar, and it can be difficult to compare rates to get the lowest rate
There are several ways you can shop for insurance coverage but one way is more efficient than others. You could spend your day talking about coverages with insurance agencies in your area, or you could use online quoting to get rate comparisons in just a few minutes.
All the larger companies participate in a marketplace where insurance shoppers send in one quote, and every company then returns a price quote based on the submitted data. This saves time by eliminating repetitive form submissions to every company.
To fill out one form to compare multiple rates now click here to start a free quote.
The one downside to getting quotes like this is you are unable to specify which carriers to get quotes from. So if you want to select specific providers to receive pricing from, we have assembled a list of the cheapest insurance coverage companies in your area. View list of insurance companies.
Which method you use is up to you, but make sure you compare exactly the same coverage limits on every quote you get. If the quotes have differing limits you can’t possibly make a fair rate comparison. Even a minor difference in coverages may result in large price differences. And when comparing insurance coverage rates, know that comparing all the rates in your area helps increase your odds of locating the best rates. Not every company provides prices over the internet, so it’s important to also get price estimates from those companies as well.
Insurance is expensive, but you may qualify for discounts that many people don’t even know exist. Most are applied at the time of quoting, but occassionally some discounts must be inquired about before you will receive the discount. If you check and find you aren’t receiving every discount available, you could be paying more than you need to.
Consumers should know that some of the credits will not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you could get a free insurance policy, that’s just not realistic. But all discounts will bring down your overall bill.
Companies and their possible discounts are included below.
Check with each company which discounts you qualify for. Some of the discounts discussed earlier may not be offered in your area. If you would like to choose from a list of companies who offer cheap insurance quotes, click this link.
When choosing coverage, there really is not a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For instance, these questions can aid in determining if you would benefit from professional advice.
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Many different elements are part of the equation when quoting car insurance. Some are obvious like a motor vehicle report, but some are less apparent such as whether you are married or how financially stable you are.A large part of saving on auto insurance is knowing some of the things that help calculate your auto insurance rates. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to lower rates.
The factors shown below are a few of the things used by insurance companies to determine prices.
Respected companies like Geico, State Farm and Progressive constantly bombard you with ads on TV and radio. All the companies make an identical promise about how much you will save if you switch your insurance coverage to their company. Is it even possible that every company can offer drivers better rates?
Many companies have specific guidelines for the type of insured that earns them the highest profit. For example, this type of insured might be between 25 and 40, has no claims, and drives less than 7,500 miles a year. Any driver who meets those qualifications will get low prices and as a result will probably save a lot of money.
Drivers who fall outside those criteria will be quoted a higher premium which leads to business not being written. The ad wording is “people that switch” but not “everyone who gets a quote” save that much. That is how companies can lure you into getting a quote.
Because of the profiling, you should compare many company’s rates. Because you never know the company that will have the lowest prices for your situation.
Learning about specific coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 1998 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. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are identical to your policy’s liability coverage.
Liability car insurance
Liability insurance can cover damage or injury you incur to other people or property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.
Liability can pay for things such as emergency aid, medical expenses, attorney fees, loss of income and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as damage from flooding, hitting a deer, rock chips in glass, vandalism and theft. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Collision protection
Collision coverage pays for damage to your Sable from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims such as crashing into a building, colliding with a tree, scraping a guard rail, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.
Insurance for medical payments
Med pay and PIP coverage reimburse you for bills such as hospital visits, pain medications, nursing services, doctor visits and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible
When getting car insurance quotes online, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped physical damage coverage to discover at claim time that it was a big mistake. The goal is to buy enough coverage at the lowest possible cost, but do not skimp to save money.
Cost effective 1998 Mercury Sable insurance can be bought on the web and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers may not offer online price quotes and these regional insurance providers only sell coverage through independent insurance agencies.