Lower Your 1993 Mercury Sable Car Insurance Quotes

Feel like you’re a prisoner to an underperforming, overpriced insurance policy? Believe me when I say you are not the only one feeling buyer’s remorse. Many insurance companies compete for your business, and because of this it can be hard to compare auto insurance companies to get the best rate

Lots of discounts mean lots of savings

Companies don’t necessarily list every available discount in a way that’s easy to find, so the following is a list of some of the best known and the harder-to-find ways to save on auto insurance. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Multi-car Discount – Having more than one vehicle with the same company could earn a price break for each car.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Low Mileage Discounts – Fewer annual miles on your Mercury could qualify for a substantially lower rate.
  • Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts of 20% or more.
  • College Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.

It’s important to understand that most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates you could get a free auto insurance policy, companies don’t profit that way.

A partial list of companies that possibly offer these discounts may include but are not limited to:

Double check with each company which discounts you may be entitled to. Some discounts may not apply in every state.

Quick Auto Insurance Quotes

Finding cheaper 1993 Mercury Sable auto insurance prices isn’t really that difficult. You just have to spend a few minutes on the computer comparing rate quotes provided by online insurance companies. This is very easy and can be done in several different ways.

  1. The first (and easiest) way to find low rates would be an industry-wide quote request form (click to open form in new window). This type of form saves time by eliminating separate quotes for every auto insurance company. A single form will return quotes from many national carriers.
  2. A different way to shop for auto insurance online consists of visiting each individual company website and fill out their own quote form. For instance, we’ll pretend you want to compare State Farm, Safeco and Geico. To get rate quotes you would need to spend time on each company’s site to input your insurance information, which is why the first method is more popular.

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

  3. The least recommended way of comparing rate quotes is to drive around to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you require the trained guidance of a licensed agent. However, consumers can find lower rates online but still have the advice of a local agent and we’ll touch on that later.

However you get your quotes, make sure you use identical quote information for each comparison quote. If each company quotes mixed coverages it will be next to impossible to make an equal comparison.

Situations that might require an agent

When it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out whether you might need an agent’s assistance.

  • Is my teen driver covered when they drive my company car?
  • How do I insure my teen driver?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my 1993 Mercury Sable covered for flood damage?
  • Does liability extend to a camper or trailer?
  • Why does it cost so much to insure a teen driver?
  • What is covered by UM/UIM coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Educate yourself about insurance coverages

Having a good grasp of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types available from insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as hospital visits, surgery, X-ray expenses and nursing services. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like fire damage, damage from a tornado or hurricane, a broken windshield and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages

Liability coverage protects you from injuries or damage you cause to other’s property or people. This coverage protects you against other people’s claims. 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 might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as medical services, repair costs for stationary objects, medical expenses, attorney fees and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Coverage for collisions

Collision coverage covers damage to your Sable resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Shop around and save

As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where someone dropped comprehensive coverage or liability limits and learned later they didn’t have enough coverage. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

You just read a lot of ways to compare 1993 Mercury Sable insurance prices online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest premiums are with an unexpected company. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as Progressive and Geico.

Cheap insurance can be purchased on the web as well as from independent agents, so you should be comparing quotes from both to have the best selection. A few companies don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

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