1991 Mercury Sable Car Insurance Quotes

Looking for cheaper car insurance rates for your Mercury Sable? Consumers who are new to comparing rates online could find buying cut-rate car insurance very challenging.

Save big with these discounts

Insuring your fleet can be pricey, but there could be available discounts that many people don’t even know exist. A few discounts will automatically apply when you complete an application, but a few need to be inquired about before you get the savings.

  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get better auto insurance rates on Sable insurance.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you may save approximately 10% to 15%.
  • Auto/Life Discount – Larger companies have better rates if you take out auto and life insurance together.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can receive discounts of 20% or more.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company could earn a price break for each car.
  • Driver Safety – Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Government Employees – Employees or retirees of the government may qualify you for a discount on Sable insurance with select insurance companies.
  • Organization Discounts – Being a member of certain professional organizations may earn a discount when shopping for auto insurance on Sable insurance.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will reduce your overall premium however.

Car insurance companies that may have these discounts include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Savings may not apply everywhere.

The quickest way to get policy rate comparisons is to realize most of the bigger providers participate in a system to provide you with a free rate quote. To start a quote, the only thing you need to do is give them some information including the make and model of your vehicles, how you use your vehicles, if you lease or own, and types of safety features. That rating data is submitted instantly to multiple companies and you get price estimates within a short period of time.

What determines your Mercury Sable insurance premium

An important part of buying insurance is that you know some of the elements that help determine the price you pay for auto insurance. Knowing what influences your rates empowers consumers to make smart changes that could result in lower auto insurance prices.

The following are a partial list of the pieces used by your company to calculate premiums.

  • Where do you drive? – The higher the mileage driven every year the higher your rate. The majority of insurers apply a rate based upon how you use the vehicle. Vehicles that are left in the garage get more affordable rates than vehicles that are driven to work every day. Verify your auto insurance declarations sheet is showing the correct usage for each vehicle. If your policy improperly rates your Sable can result in significantly higher rates.
  • Extra coverages can waste money – There are quite a few extra bells and whistles that you can get tricked into buying on your Sable policy. Coverages like vanishing deductibles, accidental death and membership fees are examples of these. These coverages may sound good when talking to your agent, but your needs may have changed so get rid of them and save.
  • Bundling policies can get discounts – The majority of insurers will give a discount to customers who carry more than one policy. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even though this discount sounds good, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible.
  • Do you know you’re credit rating? – Credit score is a important factor in calculating your auto insurance rates. So if your credit rating is lower than you’d like, you could potentially save money when insuring your 1991 Mercury Sable by spending a little time repairing your credit. People with high credit scores tend to be more responsible as compared to drivers with poor credit.
  • How’s your driving record? – Good drivers receive lower rates than their less careful counterparts. Only having one speeding ticket can increase rates by as much as thirty percent. If you have dangerous violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
  • Big city or small town – Choosing to live in less populated areas can save you money when insuring your vehicles. Urban drivers tend to have traffic congestion and much longer commute distances. Fewer people means reduced accidents.
  • Marriage pays dividends – Getting married can get you a discount on auto insurance. It usually means you are more mature and responsible and it’s proven that married drivers get in fewer accidents.

But I don’t know anything about car insurance

When it comes to buying the best insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions can aid in determining whether you might need professional guidance.

  • Can I make deliveries for my home business?
  • When should I not file a claim?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered if I hit my neighbor’s mailbox?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered if I break a side mirror?
  • What if I owe more than I can insure my car for?
  • Does having multiple vehicles earn me a discount?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Save $450 a year? Really?

Allstate, Geico and Progressive constantly bombard you with television and radio advertisements. All the companies make the same claim that you’ll save big if you switch to them. How does each company make almost identical claims?

Insurance companies can use profiling for the driver they prefer to insure. For example, a preferred risk might be profiled as between 30 and 50, a clean driving record, and chooses high deductibles. Any driver that hits that “sweet spot” receives the best rates and is almost guaranteed to cut their rates substantially.

Consumers who do not match these standards must pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much money. That is how insurance companies can claim big savings.

This illustrates why you need to compare many company’s rates. It’s not possible to predict which insurance company will provide you with the cheapest Mercury Sable insurance rates.

Insurance coverages explained

Learning about specific coverages of a insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for bills like dental work, prosthetic devices, funeral costs and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverages – This can cover damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like structural damage, medical expenses and bail bonds. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Collision coverages – Collision insurance covers damage to your Sable resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as scraping a guard rail, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as falling objects, hitting a bird, damage from flooding and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Mercury Sable.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Don’t break the bank

Lower-priced 1991 Mercury Sable insurance is attainable both online and with local insurance agents, so compare prices from both so you have a total pricing picture. There are still a few companies who do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

People switch companies for a variety of reasons including delays in responding to claim requests, not issuing a premium refund, policy non-renewal and high prices. It doesn’t matter what your reason, switching companies can be pretty painless.

As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. Too many times, someone sacrificed liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Additional detailed information can be found in these articles: