1996 Mercury Sable Insurance Quotes – 8 Ideas for Cheaper Rates

Searching for lower auto insurance rates for your Mercury Sable? Have you fallen victim to high-priced auto insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Drivers have multiple insurers to purchase coverage from, and although it’s nice to have a selection, lots of choices makes it harder to compare company pricing.

How to Compare Insurance Costs

Most companies provide prices on the web. Getting online rates is pretty painless as you simply enter your coverage preferences into the quote form. After you complete the form, the system makes automated requests for reports for credit and driving violations and returns pricing information based on these and other factors. This helps simplify price comparisons, but the work required to visit different websites and enter the same data into a form is not the best way to spend an afternoon. But it’s very important to perform this step in order to find the best price possible.

Rate comparisons made easy

A quicker way to lower your rates requires only one form that gets prices from multiple companies. It saves time, requires much less work on your part, and makes price shopping online a little more enjoyable. Immediately after submitting the form, it is rated with multiple companies and you can pick your choice of the quotes returned. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. The entire process just takes a couple of minutes and you will know how your current rates stack up.

If you want to get comparison pricing now, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you type in your coverages as close as possible to your current policy. This makes sure you will have rate quotes based on similar coverages.

Switch companies and save? Really?

Car insurance companies such as Allstate and Progressive constantly bombard you with ads on TV and radio. They all seem to have a common claim that you can save if you switch your coverage to them. But how can every company claim to save you money? This is how they do it.

Different companies have a certain “appetite” for the driver that is profitable for them. A good example of a preferred risk might be between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. Any driver who fits that profile will get very good rates and is almost guaranteed to save when switching.

Consumers who don’t meet this ideal profile must pay more money which usually ends up with business not being written. Company advertisements say “people who switch” but not “drivers who get quotes” save that much. That is how companies can truthfully advertise the way they do. This illustrates why you absolutely need to compare as many rates as you can. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Save money by taking advantage of these eight discounts

Companies don’t necessarily list all available discounts in an easy-to-find place, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using.

  • Drive Less and Save – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Sign Online – Certain companies may give you up to $50 for buying a policy and signing up online.
  • Senior Discount – Older drivers can possibly qualify for better car insurance rates for Sable insurance.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Passive Restraints and Air Bags – Vehicles with factory air bags can get savings of more than 20%.
  • Multi-car Discount – Having more than one vehicle on one policy may reduce the rate for each vehicle.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you may save at least 10% off all policies.

Drivers should understand that some credits don’t apply to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way.

Insurance companies that possibly offer these money-saving discounts may include but are not limited to:

Check with every prospective company how you can save money. Some discounts may not be available in every state.

When should I use an insurance agent?

When it comes to choosing the right insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.

  • Is a blown tire covered by insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered if I hit a deer?
  • Does my policy pay for OEM or aftermarket parts?
  • What is PIP insurance?
  • When should I not file a claim?
  • Does car insurance cover theft of personal property?
  • When should my teen driver be added to my policy?
  • Does medical payments coverage apply to all occupants?
  • What are the best liability limits?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Coverages available on your policy

Having a good grasp of a insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from insurance companies.

Collision insurance

Collision coverage will pay to fix damage to your Sable resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sustaining damage from a pot hole, hitting a mailbox, sideswiping another vehicle, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like pain medications, ambulance fees, chiropractic care, EMT expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection 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 your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability insurance

Liability coverage provides protection from damage or injury you incur to other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like medical expenses, bail bonds, loss of income and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from 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.

Comprehensive insurance covers things like damage from getting keyed, theft and a broken windshield. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Compare but don’t skimp

Budget-conscious 1996 Mercury Sable insurance can be purchased both online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

You just learned a lot of tips how to compare insurance prices online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the lowest priced car insurance comes from some of the smallest insurance companies. They often have lower prices on specific markets than the large multi-state companies such as State Farm or Progressive.

Additional information can be read below: