1997 Mercury Sable Car Insurance Quotes – 10 Tips for Best Rates

Sick and tired of scraping the payment together to pay your car insurance bill each month? You’re in the same situation as many other drivers. With consumers having so many companies to choose from, it is hard for the average consumer to find the right company.

Comprehensive Insurance Comparison Quotes

All major insurance companies provide prices for coverage directly from their websites. Getting quotes is quite easy as you simply enter your personal and coverage information as detailed in the form. Behind the scenes, the system pulls information on your driving record and credit history and provides a quote determined by many factors. Quoting online streamlines rate comparisons, but the time required to go to multiple sites and type in the same information can be a bit repetitive. Unfortunately, it is important to do this if you want to find the lowest possible prices on insurance.

Compare rates the easy way

A quicker way to compare insurance pricing uses one form that gets prices from several companies at one time. This type of form saves time, requires much less work on your part, and makes comparison shopping a lot less work. Immediately after you send the form, it is rated and you can select any one of the quote results. If you find a better price you can click and sign and purchase coverage. This process takes just a few minutes to complete and you will find out if you’re overpaying now.

In order to find out if lower rates are available, simply click here to open in new window and complete the simple form. If you currently have coverage, we recommend you input coverages and limits just like they are on your policy. This helps ensure you will receive rate quotes based on the exact same insurance coverage.

Pay less by taking advantage of these ten discounts

Companies that sell car insurance don’t always list every available discount very well, so here is a list both well-publicized and the harder-to-find savings tricks you should be using. If you don’t get every credit available, you’re just leaving money on the table.

  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you may save at least 10% off all policies.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Low Mileage – Keeping the miles down on your Mercury could be rewarded with discounted rates on garaged vehicles.
  • Multiple Vehicles – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Homeowners Pay Less – Owning a home can help you save on insurance because of the fact that having a home is proof that your finances are in order.
  • College Student – Any of your kids who are attending college without a vehicle on campus can receive lower rates.
  • Paperless Signup – A few companies give back up to $50 for buying a policy and signing up digitally online.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.

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

Before buying, ask all companies you are considering how you can save money. All car insurance discounts may not apply in every state.

Your coverage should be tailored to you

When buying proper insurance coverage, there is no one size fits all plan. Every insured’s situation is different so this has to be addressed. For instance, these questions might help in determining if you might need professional guidance.

  • Can I afford to pay high deductible claims out of pocket?
  • What is the difference between comprehensive and collision coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my policy cover me when driving someone else’s vehicle?
  • What if I don’t agree with a claim settlement offer?
  • How much liability do I need to cover my assets?
  • Should I waive the damage coverage when renting a car?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Save $418 a year? Really?

Consumers can’t ignore all the ads that promise big savings from the likes of State Farm and Allstate. They all seem to make an identical promise that you can save if you change your coverage to them.

How does each company claim to save you money? This is how they do it.

Different companies have a certain “appetite” for the type of customer that earns them a profit. An example of a profitable customer might be over the age of 40, has no prior claims, and drives less than 10,000 miles a year. A driver who fits that profile is entitled to the best price and most likely will save quite a bit of money when switching.

Potential insureds who don’t qualify for these standards will be quoted higher premiums and ends up with business going elsewhere. Company advertisements say “customers that switch” but not “drivers who get quotes” save that kind of money. That’s why companies can truthfully advertise the savings. This emphasizes why it’s extremely important to get a wide range of price quotes. Because you never know the company that will give you the biggest savings on Mercury Sable insurance.

Auto insurance coverages and their meanings

Knowing the specifics of auto insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverages found on most auto insurance policies.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, hail damage, hitting a deer, damage from getting keyed and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as rehabilitation expenses, X-ray expenses, dental work, doctor visits and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance will pay to fix damage to your Sable caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability coverage

This protects you from damage or injury you incur to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like funeral expenses, court costs, structural damage, bail bonds and emergency aid. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mercury Sable.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Don’t break the bank

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. In too many instances, an insured dropped comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.

Lower-priced 1997 Mercury Sable insurance can be sourced both online and with local insurance agents, so you should compare both to have the best selection. Some companies do not offer the ability to get a quote online and these smaller companies work with independent agents.

Additional car insurance information is available on the following sites: