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Mercury Monterey Insurance Rates

Shopping for car insurance by comparing rates online is simple to do and there is a good chance you can save money. The critical component is to get rates from as many companies as possible in order to accurately compare every option.

Comparing car insurance rates direct online can be a challenge if you have never used online quoting. Don't let that stop you because it's actually quite easy. There are several ways to compare quotes from different insurance companies. The quickest method to find the cheapest Monterey insurance quotes consists of shopping online. This can be accomplished by getting a quick quote here.

Car insurance premiums for your Mercury Monterey can fluctuate considerably subject to many criteria. Some of these factors include:

  • Traffic citations increase rates
  • Credit rating impacts rates
  • Where you reside can make a big difference
  • High miles vs. low miles
  • Your gender can raise or lower rates
  • The deductible you choose
  • Safety rating of your Monterey
  • Your occupation
  • The level of coverage
  • Whether you own your home

An additional factor that will help determine Monterey insurance rates is the year of the vehicle. Older cars and trucks cost less than newer models so the payout to repair can decrease annual premiums. Conversely, newer models may have safety features such as dual-stage airbags, a rollover prevention system, and lane departure warning system which may help offset higher rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Auto liability insurance

Monterey liability coverage protects you from damage that occurs to other's property or people by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy as high a limit as you can afford.

Collision coverage

Collision coverage pays for damage to your Mercury 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 makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The most you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance program or if you do not have health coverage. Personal injury protection coverage is not available in all states and may carry a deductible.

How Much are Mercury Monterey Insurance Rates?