1998 Mercury Sable Insurance Rates

Have you had enough of paying out the nose to buy car insurance? Your situation is no different than most other car owners. With consumers having so many choices of insurance companies, it can be impossible to locate the cheapest insurer.

Finding the best rates is easy if you know what you’re doing. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Consumers only need to know the tricks to get comparison rates over the internet.

The best way to compare rates is to know the trick most larger insurance companies provide online access to provide you with free rate quotes. The only thing you need to do is provide a small amount of information including whether your vehicle is owned or leased, if you went to college, your general credit rating, and the type of vehicles you drive. Your rating data is sent automatically to insurance companies and they provide comparison quotes immediately.

Do you qualify for a discount?

Companies offering auto insurance do not advertise all available discounts in a way that’s easy to find, so we took the time to find some of the more common as well as the least known discounts you could be receiving. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Senior Discount – Mature drivers may qualify for a small decrease in premiums on Sable insurance.
  • Military Discounts – Having a deployed family member can result in better rates.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • New Vehicle Savings – Insuring a new car is cheaper compared to insuring an older model.
  • Homeowners Pay Less – Being a homeowner may trigger a insurance policy discount because of the fact that having a home shows financial diligence.
  • No Accidents – Drivers who don’t have accidents pay much less when compared with accident-prone drivers.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as medical payments or collision. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way.

Companies who might offer these money-saving discounts may include but are not limited to:

Double check with each insurance company how you can save money. Some discounts might not be offered in your area.

Mercury Sable insurance rates are influenced by…

Smart consumers have a good feel for the factors that play a part in calculating your car insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that can help you get big savings.

Shown below are some of the items companies use to determine your rates.

  • Proper usage rating affects rates – The more miles you rack up on your Mercury in a year the higher your rates will be. The majority of insurers rate vehicles based upon how you use the vehicle. Cars and trucks used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Improper usage on your Sable may be costing you. Double check that your car insurance policy shows how each vehicle is driven.
  • Lower rates come with age – More mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations. Teen drivers are known to be more careless when driving therefore car insurance rates are much higher.
  • More than one policy can earn a discount – Many companies provide better rates to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even with this discount, it’s in your best interest to shop around to confirm you are receiving the best rates possible. You may still find a better deal by splitting coverages up.
  • Men are more aggressive – The statistics show women are more cautious behind the wheel. However, this does not mean women are better drivers. Both sexes cause accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to have more aggressive citations such as DWI and reckless driving. Young males are most likely to cause an accident and therefore have the most expensive car insurance rates.
  • Higher deductibles cost less – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Mercury. A few examples of covered claims are colliding with a building, damage from fire, or theft. Physical damage deductibles are how much you are willing to pay out-of-pocket before a claim is paid by your company. The more expense you have to pay, the bigger discount you will receive on Sable insurance.
  • Allowing your policy to lapse raises rates – Letting your insurance expire will be a guaranteed way to bump up your car insurance costs. Not only will you pay more, getting caught without coverage can result in a license revocation or jail time.You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Choose a safe vehicle and save – Safer cars get lower rates. The safest vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If the Mercury Sable is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

What coverages do I need?

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.

  • Who is covered by my policy?
  • Should I carry comprehensive and collision coverage?
  • Am I covered if my car is in a flood?
  • What is high-risk coverage and where do I buy it?
  • Should I waive the damage coverage when renting a car?
  • Do I really need UM/UIM coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Can you really save that much by switching?

Consumers can’t ignore all the ads for cheaper car insurance from companies such as Progressive, Geico, Allstate and State Farm. They all have a common claim about savings if you move your policy.

How do they all claim to save you money? This is how they do it.

Insurance companies have a certain “appetite” for the type of customer that is profitable for them. A good example of a driver they prefer could be between the ages of 30 and 50, has no tickets, and chooses high deductibles. A driver that hits that “sweet spot” will get the preferred rates and therefore will save when they switch companies.

Drivers who don’t measure up to this ideal profile will be charged higher prices and this can result in business going elsewhere. The ads state “customers that switch” not “everyone that quotes” save money. That’s the way insurance companies can advertise the way they do. That is why you absolutely need to get as many comparisons as possible. Because you never know which company will give you the biggest savings on Mercury Sable insurance.

Insurance coverages 101

Having a good grasp of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision coverage

Collision coverage pays for damage to your Sable caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as scraping a guard rail, driving through your garage door, backing into a parked car, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Liability car insurance

This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as pain and suffering, medical expenses, repair bills for other people’s vehicles, emergency aid and structural damage. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage 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 pays for things such as vandalism, a tree branch falling on your vehicle, damage from a tornado or hurricane and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses for things like dental work, funeral costs and chiropractic care. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Final thoughts

We just covered many ways to reduce 1998 Mercury Sable insurance prices online. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the best prices are with the smaller companies. They can often provide lower rates in certain areas compared to the large companies like Geico and State Farm.

Low-cost insurance is available on the web and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.

As you shop your coverage around, never skimp on coverage in order to save money. There have been many situations where an insured cut liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at the best price while still protecting your assets.

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