View 2008 Mercury Sable Insurance Quotes

Cutting costs on auto insurance can be nearly impossible for beginners to comparison shopping online. You have so many choices that it can easily become a real hassle to locate the lowest price.

The purpose of this article is to let you in on how car insurance quotes work and some tricks to saving. If you are paying for car insurance now, you should be able to save some money using these methods. Nevertheless, vehicle owners do need to understand how the larger insurance companies price insurance differently and apply this information to your search.

Lesser-known factors impacting Mercury Sable insurance rates

Smart consumers have a good feel for the rating factors that play a part in calculating insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Shown below are a partial list of the pieces used by your company to calculate rates.

  • Don’t sacrifice liability coverage – Your policy’s liability coverage is the protection when a court rules you are at fault for causing damage or personal injury in an accident. It provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • Don’t let your coverage lapse – Allowing your insurance policy to lapse will be a fast way to bump up your insurance costs. Not only will rates go up, but being ticketed for driving with no insurance can result in a steep fine or even jail time.
  • The more you drive the more you pay – Driving more miles in a year the more you will pay for insurance. The majority of insurers rate vehicles based on how the vehicle is used. Cars not used for work or commuting qualify for better rates compared to those used for work or business. Having the wrong rating on your Sable may be costing you. Ask your agent if your insurance coverage is showing the proper vehicle usage.
  • Bump up deductibles to save – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Mercury from damage. Some instances where coverage would apply would be running into the backend of another car, damage caused by hail, or theft. Deductibles for physical damage are the amount of money you are required to spend in the event of a claim. The more expense you are required to pay out-of-pocket, the bigger discount you will receive for Sable insurance.
  • Pay less after the wedding – Being married can actually save you money on your insurance policy. Having a significant other translates into being more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • Safer cars are cheaper to insure – Safer cars tend to have better insurance rates. These vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies and thus lower rates. If the Mercury Sable has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • High numbers of claims are not good – Auto insurance companies give discounts to policyholders who file claims infrequently. If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Add-on coverages can add up – There are a lot of add-on coverages that you can buy on your insurance policy. Coverages like rental car reimbursement, towing coverage and membership fees may be wasting your money. They may seem good when you first buy your policy, but your needs may have changed so get rid of them and save.

Compare Car Insurance Today

Most companies provide prices on their websites. Obtaining pricing doesn’t take much effort as you just enter the amount of coverage you want as detailed in the form. Once you submit the form, the company’s rating system will obtain your credit score and driving record and returns a price quote based on these factors.

Online quotes simplifies rate comparisons, but the process of having to visit each company’s website and repetitively type in the same information can be a bit repetitive. But it is imperative to have as many quotes as possible if you want to find lower prices.

The preferred way to find lower prices requires only one form to return rates from several companies at one time. It saves time, requires less work, and makes online quotes much more efficient. Immediately after submitting the form, your coverage is rated and you can choose any or none of the pricing results.

If the quotes result in lower rates, you simply finish the application and purchase the new policy. The whole process just takes a couple of minutes and may result in a nice savings.

If you want to use this form to compare rates, click here to open in a new tab and complete the simple form. If you have coverage now, it’s recommended you copy your coverages as shown on your current policy. Doing this assures you will have rate comparison quotes based on similar coverages.

Can you really save $387 a year?

Companies like State Farm, Geico and Progressive constantly bombard you with ads in print and on television. All the ads make an identical promise of big savings if you switch your policy. How can each company make almost identical claims?

Different companies can use profiling for the type of driver that makes them money. An example of a profitable customer might be profiled as a mature driver, owns a home, and has a short commute. A customer who meets those qualifications gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who don’t measure up to these standards will have to pay a more expensive rate which leads to business not being written. The ads state “customers that switch” not “everybody who quotes” save that much money. That is how companies can claim big savings.

Because of the profiling, drivers must get a wide range of price quotes. It’s just too difficult to predict which insurance company will give you the biggest savings on Mercury Sable insurance.

Get lower rates on 2008 Mercury Sable insurance

Car insurance can cost a lot, but you can get discounts that you may not know about. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be specially asked for before being credited.

  • Senior Discount – If you’re over the age of 55, you may qualify for a discount up to 10% for Sable insurance.
  • College Student – Any of your kids living away from home attending college and do not have a car can be insured at a reduced rate.
  • Multiple Cars – Having all your vehicles on one policy could earn a price break for each car.
  • Accident Free – Drivers with accident-free driving histories pay less when compared to bad drivers.
  • Driver’s Ed – Have your child complete a driver education course if it’s offered in school.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Sable insurance depending on your company.
  • Homeowners Pay Less – Being a homeowner can save you money because owning a home requires personal responsibility.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less for Sable insurance than their less cautious counterparts.

Consumers should know that most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will bring down the amount you have to pay.

Insurance companies that possibly offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering how you can save money. Savings might not apply in your area.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every situation is different.

These are some specific questions may help highlight whether you would benefit from professional advice.

  • Is upholstery damage covered by car insurance?
  • What is medical payments coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Should I have a commercial auto policy?
  • Can I afford to buy a different vehicle if my 2008 Mercury Sable is totaled?
  • Does my car insurance cover rental cars?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I afford low physical damage deductibles?
  • When should my teen driver be added to my policy?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Parts of your insurance policy

Learning about specific coverages of your policy can be of help when determining the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as funeral costs, dental work and ambulance fees. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – Comprehensive insurance 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 your comprehensive coverage will pay.

Comprehensive insurance covers claims such as rock chips in glass, falling objects, damage from getting keyed, theft and hail damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance – Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like structural damage, medical services, attorney fees and bail bonds. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Mercury Sable.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision – Collision insurance covers damage to your Sable caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like backing into a parked car, sideswiping another vehicle, colliding with a tree, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Buy online or local, you save

We just presented a lot of techniques to save on 2008 Mercury Sable insurance. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

Cheaper insurance is possible online as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

As you prepare to switch companies, never skimp on critical coverages to save a buck or two. In many cases, an insured cut comprehensive coverage or liability limits only to discover later that it was a big mistake. Your aim should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

More detailed auto insurance information can be found by following these links: