How Much Does 2004 Mercury Monterey Insurance Cost?

Trying to find the cheapest car insurance rates for your Mercury Monterey? Paying cheaper prices for Driverscar insurance is nearly impossible for beginners to online insurance quotes. With a ridiculous number of insurers available, it can quickly become a difficult challenge to find more affordable car insurance rates.

It’s a great practice to do price comparisons once or twice a year since rates tend to go up over time. Just because you found the best premium rates on Monterey insurance a year ago the chances are good that you can find a lower price today. Block out anything you think you know about car insurance because you’re about to learn the best methods to properly buy coverages while reducing your premium.

If you currently have car insurance, you will be able to save some money using this strategy. Shopping for cheaper insurance coverage coverage is easy if you know what you’re doing. But drivers do need to know how the larger insurance companies market on the web and apply this information to your search.

First Step: Get free auto insurance quotes

Performing a rate comparison is a ton of work if you don’t understand the most efficient way to do it. You could waste a few hours talking about coverages with insurance companies in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Many companies belong to a marketplace where insurance shoppers enter their policy data once, and each company returns a rated price for coverage. This system prevents you from having to do quote requests to each individual auto insurance company. To enter your information into the quoting system, click here to start a free quote.

The only drawback to comparing rates this way is you cannot specify the insurers to get pricing from. If you prefer to choose specific insurance companies to request quotes from, we have a page of auto insurance companies in your area. Click to view list.

Compare rates however you want, just make sure you compare the same deductibles and coverage limits on every quote you get. If you enter different values for each quote you can’t possibly make a fair rate comparison. Slightly different insurance coverages or limits could throw off the whole comparison. Just remember that making a lot of price comparisons will enable you to find a lower rate. Some companies don’t provide online price quotes, so you also need to get price estimates from the smaller companies as well.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that may help you determine if your insurance needs may require specific advice.

Does my personal policy cover me when driving out-of-state?
Is a fancy paint job covered?
Should I drop comprehensive coverage on older vehicles?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Does liability extend to a camper or trailer?
Am I covered when using my vehicle for business?
Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Coverages available on your policy

Having a good grasp of your car insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like ambulance fees, pain medications, prosthetic devices, EMT expenses and rehabilitation expenses. They are utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Collision coverage

This will pay to fix damage to your Monterey resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, crashing into a building, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability insurance

This coverage protects you from damage that occurs to people or other property that is your fault. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as emergency aid, pain and suffering, medical services, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Mercury Monterey.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive protection

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like falling objects, a tree branch falling on your vehicle, hitting a bird, a broken windshield and damage from a tornado or hurricane. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.