Save on 1998 Mercury Sable Car Insurance Quotes

Trying to find better insurance prices for your Mercury Sable can normally be difficult, but you can follow the following methods to find lower rates.

There is a right way and a wrong way to buy insurance and you need to know the quickest way to get price quotes on a Mercury and find the lowest price.

Locating the best car insurance is easy if you know what you’re doing. If you have a policy now or are looking for a new policy, you can use this information to find the best rates while maximizing coverage. Drivers just need to know the tricks to compare prices online.

Which insurance coverage is cheapest?

Effectively comparing insurance coverage prices can be challenging if you don’t know the most efficient way to do it. You could waste time driving to insurance agencies in your area, or you could save time and use the web to accomplish the same thing much quicker.

Many insurance companies participate in an industry program that enables customers to submit their information once, and each company provides a quote for coverage. This saves time by eliminating quote requests for every insurance coverage company.

To find out how much you can save on insurance coverage click here to open in new window.

The one downside to getting quotes like this is that consumers can’t choose the companies to get pricing from. So if you want to select specific providers to receive pricing from, we have a listing of insurance coverage companies in your area. Click here to view list.

Compare rates however you want, just try to keep the same coverage limits with each company. If you have mixed coverages it’s impossible to determine the lowest rate for your Mercury Sable.

Don’t miss these rate-reducing discounts

Insurance can cost an arm and a leg, but you may be missing some discounts that can help lower your rates. Some of these disounts will be visible when you quote, but occassionally some discounts must be requested specifically in order for you to get them.

• Distant Student – Any of your kids living away from home attending college and leave their car at home can receive lower rates.
• Theft Deterent System – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10% off your insurance quote.
• Senior Citizens – Drivers over the age of 55 are able to get reduced rates for Sable insurance.
• Driver Training Discounts – Participating in a safe driver class could possibly earn you a 5% discount if your company offers it.
• Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
• Drive Safe and Save – Safe drivers could pay up to 40% less for Sable insurance than less cautious drivers.
• Federal Employees – Federal government employees may qualify for a discount when you quote insurance for Sable insurance depending on your company.

Keep in mind that many deductions do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, you won’t be that lucky.

Car insurance companies that possibly offer some of the discounts shown above possibly include:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

If you are trying to find cheaper insurance quotes, ask all the companies what discounts are available to you. Depending on the company, some discounts may not apply in every state. To choose auto insurance companies who offer free auto insurance quotes, click here.

Why informed consumers pay less for Mercury Sable insurance

When buying car insurance it’s important to understand a few of the rating criteria that are used to determine the rates you pay for car insurance. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with better car insurance rates. Lots of things are used when quoting car insurance. Some factors are common sense such as traffic violations, but others are more transparent like where you live or your financial responsibility.

The following are just a few of the factors companies use to determine your prices.

• Bad driving leads to higher costs – Being a careful driver has a lot to do with how much you pay for insurance. Getting just one driving citation can increase the cost of insurance to the point where it’s not affordable. Attentive drivers receive lower rates than their less careful counterparts. Drivers who have serious citations such as DUI, reckless driving or excessive speeding may find they need to prove financial responsibility with their state’s licensing department in order to legally drive a vehicle.
• Rate your vehicle for proper use – Driving a lot of miles annually the more you will pay for car insurance. Almost all companies calculate rates based on how the vehicle is used. Vehicles that do not get driven very much cost less to insure as compared to vehicles used primarily for driving to work. Incorrect rating for your Sable is just wasting money. Double check that your car insurance policy is rated on the correct driver usage.
• Rates also based on gender – Statistics show that women are safer drivers than men. However, don’t assume that females are better at driving than males. They both cause at-fault accidents in similar numbers, but the men get into accidents with more damage. Men also statistically have more aggressive citations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and thus pay the highest rates.
• Bump up deductibles to lower rates – The deductibles define how much you are willing to pay if a claim is determined to be covered. Physical damage protection, also called ‘full coverage’, insures against damage to your car. Some examples of covered claims could be colliding with a stationary object, damage from fire, and having a roll-over accident. The more of the claim you choose to pay out-of-pocket, the less money you will pay for car insurance for Sable insurance.
• A lcar insurance policy lapse is a bad thing – Having a gap between insurance policy dates can be a fast way to pay more for car insurance. Not only will you pay more, failure to provide proof of insurance may earn you a steep fine or even jail time.
• Insurance rates in urban areas – Choosing to live in less populated areas of the country is a positive aspect if you are looking for the lowest rates. Fewer drivers means less chance of accidents and a lower car theft rate. Drivers who live in large cities have to deal with more traffic problems and longer commute times. Spending more time driving means higher likelihood of an accident.
• Add-on coverages push up prices – There are quite a few extra coverages you can purchase when buying car insurance. Insurance for things like rental car reimbursement, accident forgiveness, and Farm Bureau memberships could be just wasting money. You may think they are a good idea when discussing your needs, but now you might not need them so remove them from your policy.

Do I need special coverages?

When choosing 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 or not you will benefit from professional help.

• Can I pay claims out-of-pocket if I buy high deductibles?
• When should I remove comp and collision on my 1998 Mercury Sable?
• Are split liability limits better than a combined single limit?
• Can my babysitter drive my car?
• Should I drop comprehensive coverage on older vehicles?
• What is covered by UM/UIM coverage?
• Will filing a claim cost me more?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Will you really save $472 on car insurance?

Consumers get pounded daily by advertisements that claim the lowest prices from companies such as Progressive, Allstate and Geico. They all state the claim that drivers can save some big amount after switching your policy.

How is it possible that every company can give you a lower rate? It’s all in the words they use.

Different companies give the cheapest rates for the right customer that will most likely be profitable. An example of this type of risk profile should be over the age of 50, has other policies, and drives less than 10,000 miles a year. A propective insured who fits that profile will probably get cheap premium rates and therefore will cut their rates substantially.

Insureds who are not a match for these criteria may be forced to pay higher premium rates which results in the customer buying from someone else. If you pay attention, the ads say “people who switch” not “everyone who quotes” save money. That is how insurance companies can confidently make those claims.

Because of these techniques, it’s extremely important to compare price quotes frequently. It’s just too difficult to predict which insurance companies will have the lowest rates.

Specific coverage details

Understanding the coverages of your policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, damage from getting keyed, falling objects and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants 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 damage to your 1998 Mercury Sable.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Auto collision coverage

Collision insurance pays for damage to your Sable resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for X-ray expenses, pain medications and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages

This coverage will cover damage that occurs to people or other property. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things such as bail bonds, funeral expenses, legal defense fees, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Quote more. Save more.

Some insurance providers don’t offer online rate quotes and usually these regional insurance providers provide coverage only through local independent agents. Low-cost 1998 Mercury Sable insurance is definitely available from both online companies and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis.

We covered many ideas to save on 1998 Mercury Sable insurance. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest car insurance rates come from some of the lesser-known companies.

Drivers who switch companies do it for a number of reasons such as delays in responding to claim requests, lack of trust in their agent, policy non-renewal or even delays in paying claims. Regardless of your reason, switching companies is easier than you think.

Other learning opportunities

• Parking Tips to Reduce Door Dings (State Farm)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Teen Driving Statistics (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)