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Mercury Sable Insurance Rates

Buying auto insurance online is easy, plus you can save money. The key is to take the time to get rates from as many companies as possible in order to have the lowest prices.

People who are new to buying insurance may think purchasing cut-rate Sable insurance is very challenging. Cutting your Sable insurance cost is not rocket science. Drivers just need to take a couple of minutes getting comparison quotes from different insurance companies. This can be accomplished by comparing rates here.

Rates are impacted by...

Car insurance premiums for your Mercury Sable can vary widely based upon several criteria. Including but not limited to:

  • Your driving record
  • Credit rating
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • Crash test rating for your Sable
  • Your claim history
  • Having continuous coverage saves you money
  • Home ownership saves money

An additional factor that helps determine Sable insurance rates is the year of the vehicle. Newer models cost more than older models so repair costs are higher which can inflate annual premiums. Although more recent Mercury vehicles may have safety features included like a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection which can lower rates.

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

Liability coverage - Liability insurance will cover damage or injury you incur to other's property or people in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision - Collision insurance will pay to fix damage to your Mercury resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper Sable insurance rates.

Comprehensive coverage - Comprehensive insurance coverage 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. The maximum payout your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP is only offered in select states and gives slightly broader coverage than med pay.

How Much are Mercury Sable Insurance Rates?