2002 Mercury Sable Insurance Quotes – 8 Tips to Save

Buyers have many options when searching for the best price on Mercury Sable insurance. You can either spend your time driving around getting price quotes or utilize the internet to get rate quotes. There are both good and bad ways to buy insurance so we’re going to tell you the absolute fastest way to get price quotes for a Mercury and obtain the lowest possible price either online or from local insurance agents.

How to Compare Car Insurance Costs

Getting a lower price on 2002 Mercury Sable insurance can be surprisingly simple. Consumers just need to spend a little time to get quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

  1. The first (and easiest) way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This method keeps you from doing repetitive form entry for each company. One form will return price quotes from car insurance companies with the best prices. It’s definitely the quickest method.
  2. Another way to compare rate quotes consists of going to the website for every company you want to comare and fill out their own quote form. For examples sake, let’s say you want to compare Auto-Owners, Geico and Progressive. To get each rate you have to go to every website and enter your policy data, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

Whichever method you choose, ensure you are comparing apples-to-apples deductibles and coverage limits for each price quote. If you use different liability limits you will not be able to make an equal comparison.

Policy discounts you shouldn’t miss

Companies that sell car insurance don’t necessarily list all their discounts in an easy-to-find place, so we researched some of the more common and the more hidden savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy life insurance.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can get savings of more than 20%.
  • Student in College – Kids in college living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Drivers Education – Have your child enroll in driver’s education in school.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, it doesn’t quite work that way.

Car insurance companies that may have these benefits include:

Check with every prospective company which discounts you may be entitled to. Savings might not be offered in your area.

Insurance agents can help

When it comes to choosing proper insurance coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • Should I waive the damage coverage when renting a car?
  • Am I covered when driving in Canada or Mexico?
  • What is covered by UM/UIM coverage?
  • Why am I required to buy high-risk coverage?
  • Will my rates increase for filing one claim?
  • Do I have coverage when using my vehicle for my home business?
  • How much liability coverage do I need in my state?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It is quick, free and may give you better protection.

Car insurance coverage breakdown

Knowing the specifics of car insurance can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for collisions

This will pay to fix damage to your Sable resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with a tree, crashing into a ditch, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Mercury Sable.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like nursing services, X-ray expenses, doctor visits, EMT expenses and ambulance fees. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability coverage can cover injuries or damage you cause to other people or property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as court costs, structural damage, pain and suffering, medical expenses and bail bonds. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, damage from getting keyed and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Buy Smart and Save

Insureds who switch companies do it for a number of reasons such as policy cancellation, unfair underwriting practices, an unsatisfactory settlement offer or high prices. It doesn’t matter what your reason, switching auto insurance companies can be less work than you think.

In this article, we presented a lot of ways to shop for 2002 Mercury Sable insurance online. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. You may even discover the best price on auto insurance is with a small local company.

When you buy insurance online, you should never reduce needed coverages to save money. There have been many situations where someone sacrificed uninsured motorist or liability limits only to find out that the savings was not a smart move. Your aim should be to buy the best coverage you can find at the best price.

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