Cheaper 2000 Mercury Sable Insurance Cost

Drivers have lots of choices when trying to find the best price on Mercury Sable insurance. They can either waste time driving around to compare prices or save time using the internet to compare rates. There are more efficient ways to compare car insurance rates and you need to know the absolute fastest way to quote coverages on a Mercury and locate the best price possible from both online companies and local agents.

Cut your premium with discounts

Auto insurance companies don’t necessarily list every available discount very well, so we took the time to find both well-publicized and the harder-to-find ways to save on car insurance. If you don’t get every credit possible, you’re paying more than you need to.

  • Discount for Swiching Early – A few companies offer discounts for switching policies before your current expiration date. The savings is around 10%.
  • Homeowners Savings – Simply owning a home may earn you a small savings because owning a home requires personal responsibility.
  • Payment Discounts – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for Sable coverage with select insurance companies.
  • Paperless Signup – A few companies give back up to $50 for buying your policy on their website.
  • Accident Free – Good drivers with no accidents pay less as compared to bad drivers.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in high school.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for reduced rates for Sable coverage.

It’s important to understand that most of the big mark downs will not be given the the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you can get free auto insurance, car insurance companies aren’t that generous.

Companies who might offer these money-saving discounts include:

Check with every prospective company how you can save money. Some discounts may not apply in your area.

Why you might be paying too much to insure your Mercury Sable

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for car insurance. Knowing what influences your rates helps enable you to make changes that will entitle you to big savings.

The list below includes a partial list of the pieces that factor into prices.

  • Proper usage rating affects rates – Driving more miles every year the higher your rate. Most insurance companies apply a rate based on their usage. Autos left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your car insurance coverage properly reflects the proper vehicle usage. If your policy improperly rates your Sable may be wasting your money.
  • Being married is a good thing – Getting married actually saves money on your policy. Having a significant other translates into being more mature and statistics show being married results in fewer claims.
  • High crash test scores lower rates – Vehicles with good safety scores get lower rates. Safer cars reduce injuries and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your Mercury Sable earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Do you have enough liability coverage? – Liability insurance is the protection in the event that a court rules you are at fault for personal injury or accident damage. It will provide legal defense which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Special features that cut premiums – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.

What is the best insurance coverage?

When choosing the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Each situation is unique.

These are some specific questions may help you determine whether you might need professional guidance.

  • Should I sign the liability waiver when renting a car?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered when driving a rental car?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered if I crash into my own garage door?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my personal policy cover me when driving out-of-state?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Ads can be misleading

Consumers can’t ignore all the ads for cheaper car insurance from the likes of State Farm, Allstate and Geico. They all make the same claim of big savings after switching your coverage to them.

How do they all claim to save you money?

Insurance companies have a certain “appetite” for the driver that is profitable for them. For instance, a desirable insured might be over the age of 40, insures multiple vehicles, and drives newer vehicles. A customer who fits that profile will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Consumers who don’t measure up to these standards will be quoted a more expensive rate and ends up with the customer not buying. The ad wording is “customers that switch” not “everybody who quotes” save that kind of money. That is how insurance companies can make those claims. This emphasizes why drivers should quote coverage with many companies. You cannot predict the company that will give you the biggest savings on Mercury Sable insurance.

Insurance coverages and their meanings

Understanding the coverages of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Mercury Sable.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for expenses for surgery, chiropractic care, prosthetic devices, hospital visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This protects you from damage or injury you incur to other people or property. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like loss of income, funeral expenses, structural damage and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as colliding with a tree, hitting a mailbox, rolling your car and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, a broken windshield and theft. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Buy Smart and Save

Discount 2000 Mercury Sable insurance can be found both online as well as from independent agents, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

Drivers who switch companies do it for a number of reasons such as lack of trust in their agent, extreme rates for teen drivers, policy cancellation and policy non-renewal. Whatever your reason, switching companies is easier than you think.

When shopping online for auto insurance, it’s very important that you do not buy poor coverage just to save money. There have been many situations where an accident victim reduced comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. Your focus should be to get the best coverage possible for the lowest price.

More detailed auto insurance information can be read in the articles below: