2007 Mercury Montego Car Insurance Quotes

Looking for cheaper auto insurance rates for your Mercury Montego? Finding cheaper insurance for a Mercury Montego could be a painful process, but you can use a few tricks to save time.

There is a better way to compare auto insurance rates and we’ll show you the proper way to quote coverages for a new or used Mercury and get the best price possible from local insurance agents and online providers.

Consumers should take time to shop coverage around before your next renewal because insurance rates change quite often. Just because you found the lowest premium rates for Montego coverage a couple years back the chances are good that you can find a lower price today. Block out anything you think you know about auto insurance because you’re going to learn the fastest way to lower your annual insurance bill.

Get lower rates with these discounts

Car insurance is not cheap, but companies offer discounts that could drop your premiums quite a bit. Some of these disounts will be visible when you quote, but some must be specifically requested before they will apply.

  • Accident Forgiveness – Not really a discount, but companies like Liberty Mutual and Geico will forgive one accident before raising your premiums if your claims history is clear before the accident.
  • Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.
  • Savings for New Vehicles – Buying auto insurance coverage on a new vehicle can get you a discount because newer models keep occupants safer.
  • Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Federal Employees – Employees or retirees of the government could provide a small rate reduction for Montego coverage with certain companies.
  • Discount for Life Insurance – Some auto insurance companies give lower premium rates if you buy a life policy as well.
  • Sign Early and Save – Select insurance companies give a discount for switching to them prior to your current policy expiration. You can save around 10% with this discount.
  • Active Service Discounts – Being deployed in the military may qualify for rate reductions.
  • Telematics Data Discounts – Drivers that enable data collection to spy on driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they show good driving skills.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, it’s just not the way it works.

To see insurers who offer cheap auto insurance quotes, click this link.

Save money with these tips

Lots of factors are considered when premium rates are determined. Some of the criteria are obvious like your driving record, but others are more transparent like your continuous coverage or how financially stable you are.

The following are some of the items used by companies to determine rates.

  • Older drivers save more – Older, more experienced drivers are proven to be safer behind the wheel, tend to cause fewer accidents and are safer drivers.Beginning drivers tend to be careless and easily distracted with other occupants in the car and because of this, their insurance rates are much higher.
  • Is you vocation costing you more? – Occupations such as doctors, social workers and medical professionals tend to have higher rates than average attributed to intense work-related stress and incredibly demanding work hours. On the other hand, careers such as professors, athletes and performers have lower than average premiums for Montego coverage.
  • Do you qualify for a multi-policy discount? – Most insurance companies will give discounts to buyers that have more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to check prices from other companies to verify if the discount is saving money. Drivers may still find lower rates even if you have your coverage with different companies
  • Urban residents pay more – Having an address in a rural area may provide you with better prices if you are looking for the lowest rates. Residents of big cities have to deal with more road rage incidents and much longer commute distances. Fewer drivers and short commutes means reduced accidents.
  • Marriage can save on insurance – Having a significant other may save some money on insurance. Having a spouse is viewed as being more mature than a single person and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • A good credit history can save money – Having a good credit history can be a huge factor in calculating your insurance rates. Insureds that have very high credit ratings tend to file fewer claims and have better driving records than drivers with bad credit. Therefore, if your credit is not that good, you may save money insuring your 2007 Mercury Montego if you improve your credit rating.
  • Additional coverages that may be costing you – There are many extra coverages you can purchase but may not be useful. Insurance for rental car reimbursement, high-cost glass coverage, and membership fees could be just wasting money. These may sound like a good investment when deciding what coverages you need, but now you might not need them so eliminate the coverages to reduce your premium.

Insurance can be complex

When choosing coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether or not you may require specific advice.

  • How do I insure my teen driver?
  • Are all vehicle passengers covered by medical payments coverage?
  • I don’t drive much so do I pay less?
  • Is my state a no-fault state?
  • Can my babysitter drive my car?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered if I break a side mirror?
  • Am I missing any policy discounts?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Specifics of your car insurance policy

Learning about specific coverages of a car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Liability coverage

Liability insurance can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as attorney fees, loss of income and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your 2007 Mercury Montego.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage

This coverage pays for damage to your Montego resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a ditch, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like rehabilitation expenses, nursing services, prosthetic devices and pain medications. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

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 protects against claims such as hitting a bird, falling objects, hail damage, theft and vandalism. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Online plus local equals savings

Drivers switch companies for a variety of reasons including high rates after DUI convictions, denial of a claim, questionable increases in premium and even delays in responding to claim requests. Whatever your reason, choosing a new company is less work than it seems.

As you quote car insurance, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where drivers have reduced liability limits or collision coverage only to regret that it was a big error on their part. The proper strategy is to purchase plenty of coverage at an affordable rate, but do not sacrifice coverage to save money.

Affordable 2007 Mercury Montego insurance is available on the web and also from your neighborhood agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers may not provide the ability to get quotes online and usually these small, regional companies only sell through independent agents.

To learn more, feel free to browse the articles below: