Lower Your 1997 Mercury Sable Insurance Rates

If you’re trying to find more affordable insurance online, are you frustrated by the sheer number of car insurance companies? Many other drivers are too. There are such a vast assortment of companies available that it is a lot of work to find the perfect company for you.

It’s a good habit to do price comparisons as often as possible because car insurance prices trend upward over time. Just because you had the lowest rates for Sable coverage six months ago other companies may now be cheaper. Block out anything you think you know about car insurance because you’re about to find out one of the quickest ways to find great coverage at a great price.

How to buy car insurance online

The are a couple different ways to compare quotes from many available car insurance companies in your state. The best method to find competitive 1997 Mercury Sable insurance rates is to get quotes online. It’s really quite simple and can be done using a couple different methods.

Hands down the most simple method to find low rates is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing repetitive form submissions to each individual car insurance company. In just a few minutes this one form gets you coverage quotes instantly. Just one form and you’re done.

A different way to find better pricing requires a trip to each individual company website to complete a price quote. For example, let’s say you want to compare Auto-Owners, State Farm and Allstate. You would have to spend time on each company’s site and enter your policy data, which can get rather old.

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

However you get your quotes, try to use equivalent quote information for every company. If each company quotes different liability limits it will be impossible to make an equal comparison. Just slight variations in insurance coverages or limits could mean much higher rates. Just remember that comparing more quotes helps increase your odds of locating the best price. Some insurance companies are not set up to provide online quotes, so it’s important to also get price estimates from those companies as well.

Insurance in the media

Insurance providers like 21st Century, Allstate and State Farm consistently run ads on television and other media. All the ads tend to make the same promise that you can save if you switch to them. How can each company make almost identical claims? It’s all in how they say it.

Insurance companies offer their best rates for the type of customer that will add to their bottom line. A good example of a driver they prefer may need to be married and over the age of 30, has never had a claim, and has a short commute. A propective insured who meets those qualifications will get a cheap rate quote and will save quite a bit of money when switching.

Consumers who do not match those standards may be forced to pay higher premium rates which translates to the customer not buying. The trick is to say “people who switch” not “everybody who quotes” save that much when switching. That’s why companies can truthfully state the savings. Different companies use different criteria so you really need to get price quotes at each policy renewal. It is impossible to guess the company that will have the lowest premium rates for your situation.

Smart buyers can reduce insurance rates

Many factors are part of the equation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but some are not quite as obvious like where you live or how financially stable you are.

  • Avoid tickets and save – Drivers with clean records pay lower auto insurance prices as compared to those with violations. Having a single citation can increase rates by as much as thirty percent. Drivers with multiple violations such as DUI or reckless driving may need to file a SR-22 with their state’s licensing department in order to keep their license.
  • More stress means more cost – Careers such as lawyers, social workers and accountants tend to pay higher average rates due to stressful work requirements and lots of time spent away from family. Conversely, occupations such as farmers, students and performers have the lowest average rates for Sable coverage.
  • Drive a safer car and pay less – Safe vehicles cost less to insure. Vehicles built for safety reduce injuries and better occupant protection means less money paid by your insurance company and lower rates for you.
  • Where you reside – Choosing to live in a rural area has it’s advantages when insuring your vehicles. Drivers who live in large cities tend to have more aggressive driving styles and longer commute times. Less people living in that area means fewer accidents in addition to lower liability claims

Lower-cost insurance coverage quotes with discounts

Auto insurance companies don’t always publicize every disount available very well, so we took the time to find some of the best known and also the lesser-known discounts that you can inquire about if you buy car insurance online.

  • Switch and Save Discount – Some larger companies reward drivers for switching policies before your current policy expires. Ten percent is about the average savings.
  • Multi-car Discount – Purchasing coverage when you have all your vehicles with one company qualifies for this discount.
  • Resident Student – Older children who attend college more than 100 miles from home and do not have a car may be insured at a cheaper rate.
  • Theft Prevention Discount – Cars and trucks that have factory anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • Accident-Free Discounts – Good drivers with no accidents can earn big discounts when compared to drivers with a long claim history.
  • Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes are safer to drive so you can save 10 percent or more.
  • Pay Early and Save – By paying your policy upfront instead of making monthly payments you may have a lower total premium amount.
  • Good Student – This discount can save 20 to 25%. Most companies allow this discount up to age 25.

As a footnote on discounts, most discount credits are not given the the whole policy. Most only cut individual premiums such as liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. But any discount will cut your premiums.

To find insurers that offer some of these discounts, follow this link.

Tailor your insurance coverage coverage to you

When buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique.

These are some specific questions could help you determine whether your personal situation may require specific advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • How can I force my company to pay a claim?
  • Does coverage extend to Mexico or Canada?
  • Am I covered if I break a side mirror?
  • Is there coverage for injuries to my pets?
  • How much liability coverage do I need in my state?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverages for a Mercury Sable

Knowing the specifics of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability insurance – Liability insurance can cover injuries or damage you cause to people or other property in an accident. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have 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 can pay for claims such as legal defense fees, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as doctor visits, surgery, chiropractic care, ambulance fees and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Mercury Sable.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

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

Collision insurance covers things such as hitting a parking meter, crashing into a building, colliding with another moving vehicle, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage – This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, damage from getting keyed and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Find Good Coverage for Less

Drivers leave their current company for a number of reasons such as delays in paying claims, denial of a claim, poor customer service and even high prices. It doesn’t matter what your reason, switching auto insurance companies is not as difficult as it may seem.

Cheaper 1997 Mercury Sable insurance can be purchased from both online companies and from local insurance agents, so get free car insurance quotes from both of them to get a complete price analysis. A few companies may not have internet price quotes and these small, regional companies prefer to sell through local independent agents.

You just learned many ideas to shop for 1997 Mercury Sable insurance online. The most important thing to understand is the more you quote car insurance, the more likely it is that you will get a better rate. Consumers could even find that the lowest prices come from an unexpected company.

Even more information can be found by following these links: