Cheaper 1996 Mercury Sable Car Insurance Rates

Looking for cheaper auto insurance rates for your Mercury Sable? Finding the lowest price for auto insurance may seem to be difficult if you’ve never compared quoting online. But don’t let that discourage you because online price shopping is actually quite simple.

Smart consumers take time to price shop coverage before your policy renews because prices change regularly. Just because you had the lowest price on Sable coverage last year there is a good chance you can find better rates now. So forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the best way to save on auto insurance.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. The purpose of this article is to help you learn the best way to quote coverages and some tips to save money. But drivers must know the way companies market insurance on the web and take advantage of how the system works.

Comparison of Auto Insurance

There are several ways to get quotes from auto insurance companies in your area. The quickest method to find the cheapest 1996 Mercury Sable insurance rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.

The recommended way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do repetitive form entry for each company. One quote request compares rates from all major companies. Just one form and you’re done.

A different way to get comparison quotes is to take the time to go to the website of each company to request a price quote. For examples sake, let’s say you want comparison quotes from Allstate, State Farm and Travelers. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method.

For a list of links to companies insuring cars in your area, click here.

The least recommended method to compare rates is to drive around to insurance agents’ offices. The internet can eliminate the need for a local agent unless you require the personal advice only provided by licensed agents. However, consumers can find lower rates online but still have the advice of a local agent and we’ll touch on that later.

Whichever way you use, make darn sure you compare exactly the same coverages and limits with each company. If you compare higher or lower deductibles it will be impossible to make an equal comparison. Slightly different coverages may cause a big price difference. And when comparing auto insurance rates, know that obtaining a wide range of quotes helps locate better pricing.

Do you qualify for a discount?

Companies that sell car insurance don’t list all available discounts very well, so the following is a list of some of the best known and the more hidden discounts you could be receiving.

• Multi-car Discount – Insuring more than one vehicle on one policy could earn a price break for each car.
• Paperwork-free – Some insurance companies give back up to $50 just for signing your application over the internet.
• Resident Student – Kids in college who live away from home and do not have a car can be insured at a reduced rate.
• No Accidents – Good drivers with no accidents can earn big discounts when compared with drivers who are more careless.
• Safe Driver Discount – Insureds without accidents may save up to 50% more on Sable coverage than their less cautious counterparts.
• Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
• Military Discounts – Being deployed with a military unit may qualify for rate reductions.
• Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
• No Charge for an Accident – Some insurance companies will allow you to have one accident before raising your premiums if your claims history is clear for a set time period.
• Drive Less and Save – Keeping the miles down on your Mercury could be rewarded with a substantially lower rate.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To see a list of companies offering insurance coverage discounts, click this link.

What coverages do I need?

When it comes to choosing adequate coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.

• How do I insure my teen driver?
• How do I file an SR-22 for a DUI in my state?
• Do I have newly-aquired coverage?
• Can my babysitter drive my car?
• Am I covered if I crash into my own garage door?
• Do I need higher collision deductibles?
• Which is better, split liability limits or combined limits?
• How much underlying liability do I need for an umbrella policy?
• Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Car insurance coverage specifics

Understanding the coverages of car insurance can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like prosthetic devices, rehabilitation expenses, surgery and ambulance fees. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision insurance

This pays for damage to your Sable from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, backing into a parked car and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Liability coverage

This coverage protects you from damage or injury you incur to a person or their property. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like loss of income, funeral expenses, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people 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.

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like falling objects, fire damage and rock chips in glass. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.