Cheap 2006 Mercury Montego Insurance Cost

Searching for cheaper insurance for your Mercury Montego could be difficult, but you can learn the following methods to make it easier.

There are more efficient ways to find car insurance online so we’re going to tell you the quickest way to quote coverages on a Mercury and find the lowest possible price from both online companies and local agents.

Cut your premium with discounts

Car insurance is not cheap, but discounts can save money and there are some available that many people don’t even know exist. Some trigger automatically at the time of quoting, but some must be specially asked for prior to receiving the credit. If they aren’t giving you every credit available, you are throwing money away.

  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Accident Forgiveness – A few companies permit an accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Safety Course Discount – Taking a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
  • 55 and Retired – If you’re over the age of 55, you may receive reduced rates for Montego insurance.
  • Sign Online – A few companies will give a small break for buying your policy online.
  • Homeowners Discount – Being a homeowner can save you money because of the fact that having a home is proof that your finances are in order.
  • Lower Rates for Military – Having a family member in the military can result in better rates.

It’s important to note that some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way. But any discount will cut the cost of coverage.

A partial list of companies who might offer some of the above discounts are:

It’s a good idea to ask each company which discounts you may be entitled to. Some discounts may not apply in your state.

How to Compare Insurance Coverage Costs

Lowering your 2006 Mercury Montego insurance coverage rates is actually quite simple. Consumers just need to spend a few minutes to get quotes from different insurance companies. This can be done using a couple different methods.

  • The most efficient way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This method prevents you from having to do separate forms for every insurance coverage company. A single form will return price quotes from several companies.It’s the quickest way to get rates.
  • A more difficult way to compare prices is to manually visit the website of each company to complete their respective quote request forms. For sake of this example, let’s assume you want rates from State Farm, Progressive and Farmers. To get each rate you have to take the time to go to each site and enter your information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

However you get your quotes, be sure to compare exactly the same coverages with each company. If you use different liability limits then you won’t be able to decipher which rate is best.

Your Mercury Montego insurance rate is a complex equation

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for car insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with lower car insurance prices.

  • Are you male or female? – Statistics show that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Men and women cause accidents at about the same rate, but men tend to have more serious accidents. Men also get cited for more serious violations like reckless driving and DUI.
  • Do you know your deductibles? – Deductibles for physical damage define the amount you are required to spend before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some instances where coverage would apply would be running into the backend of another car, damage caused by hail, or theft. The more money you are required to pay out-of-pocket, the bigger discount you will receive for Montego insurance.
  • Where you live is a factor – Choosing to live in less populated areas can save you money when it comes to car insurance. Urban drivers tend to have traffic congestion and much longer commute distances. Lower population means a lower chance of having an accident as well as less vandalism and auto theft.
  • A clean driving record saves money – Your driving record has a big impact on rates. Even a single ticket can boost insurance rates twenty percent or more. Careful drivers have lower premiums than bad drivers. Drivers who get serious violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state DMV in order to continue driving.
  • Rates may be higher depending on your occupation – Did you know that where you work can have an impact on rates? Occupations such as judges, business owners and dentists are shown to have the highest average rates due to stressful work requirements and lengthy work days. Other occupations like farmers, historians and homemakers pay the least for Montego insurance.
  • Don’t cancel a policy without a new one in place – Having an insurance coverage lapse is a guaranteed way to increase your car insurance rates. Not only will you pay more, but not being able to provide proof of insurance will get you a steep fine or even jail time.

What is the best insurance coverage?

When choosing proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.

For example, these questions might point out if your insurance needs will benefit from professional help.

  • What is roadside assistance coverage?
  • How do I insure my teen driver?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my custom paint covered by insurance?
  • What can I do if my company denied a claim?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I buy only the required minimum liability coverage?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

Are you falling for claims of savings?

Consumers constantly see and hear ads that promise big savings from companies such as State Farm and Allstate. All the ads have a common claim that you can save if you change your policy.

But how can every company make the same claim? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of driver they prefer to insure. For example, a desirable insured could possibly be over the age of 50, has no driving citations, and has excellent credit. Any driver who fits that profile receives the best rates and as a result will probably save when switching.

Consumers who are not a match for this ideal profile will have to pay a higher premium which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everybody who quotes” save that kind of money. That is how companies can truthfully advertise the savings.

Because of the profiling, it’s extremely important to compare many company’s rates. You cannot predict the company that will have the lowest Mercury Montego insurance rates.

Educate yourself about insurance coverages

Learning about specific coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, hitting a bird and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability

Liability insurance can cover damage or injury you incur to a person or their property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like repair costs for stationary objects, medical expenses and loss of income. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses for things like X-ray expenses, nursing services, ambulance fees and pain medications. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays for damage to your Montego caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Shop smart and save

Drivers who switch companies do it for a variety of reasons including poor customer service, policy cancellation, denial of a claim and questionable increases in premium. Regardless of your reason for switching companies, finding a new car insurance company is not as hard as you think.

As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. There are many occasions where drivers have reduced full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at the best price while not skimping on critical coverages.

You just learned many ways to compare 2006 Mercury Montego insurance prices online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the most savings is with the least-expected company.

More detailed car insurance information is located by following these links: