Compare 2009 Mercury Sable Insurance Rates

Want cheaper car insurance rates for your Mercury Sable? I can’t think of anyone who likes having to buy car insurance, especially when they are paying too much. You have multiple insurance companies to purchase coverage from, and though it is a good thing to have a choice, lots of choices makes it harder to compare company pricing.

You need to do rate comparisons once or twice a year due to the fact that insurance rates change frequently. If you had the lowest rates for Sable insurance two years ago there may be better deals available now. So ignore everything you know about car insurance because you’re about to learn the right way to find lower rates on car insurance.

Lower rates by qualifying for discounts

Auto insurance companies don’t always list every discount in a way that’s easy to find, so we researched both well-publicized and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Multiple Cars – Insuring all your vehicles with the same company qualifies for this discount.
  • Early Switch Discount – Some companies give discounts for switching policies before your current policy expires. It’s a savings of about 10%.
  • Military Discounts – Having a deployed family member can result in better rates.
  • Homeowners Pay Less – Owning a house can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Driver Safety – Successfully completing a driver safety course could save 5% or more depending on where you live.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts may earn rate discounts of more than 20%.

Drivers should understand that many deductions do not apply to the entire policy premium. Some only apply to specific coverage prices like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way.

A partial list of companies who might offer these benefits include:

It’s a good idea to ask each company how you can save money. Discounts may not apply in your area.

Mercury Sable insurance rates can be determined by these details

Consumers need to have an understanding of some of the elements that go into determining your car insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that can help you get big savings.

  • Better crash test results mean better rates – Safer cars are cheaper to insure. Safe vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If the Mercury Sable is rated at least four stars on Safercar.gov you may qualify for a discount.
  • Men fork out a little more – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Women and men have accidents at about the same rate, but the male of the species cause more damage. Men also tend to receive more costly citations such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • High numbers of claims are not good – Companies provide discounts to insureds who do not file claims often. If you frequently file small claims, you can pretty much guarantee higher rates. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • Do you have enough liability coverage? – The liability section of your policy provides coverage in the event that a court rules you are at fault for causing damage or personal injury in an accident. Liability provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so do not cut corners here.

Car insurance is unique, just like you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different so this has to be addressed. These are some specific questions might point out whether your personal situation could use an agent’s help.

  • Should I buy full coverage?
  • When should my teen driver be added to my policy?
  • Are rental cars covered under my policy?
  • If I drive on a suspended license am I covered?
  • Does my policy pay for OEM or aftermarket parts?
  • How much liability insurance is required?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Information about specific coverages

Having a good grasp of your car insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from car insurance companies.

UM/UIM Coverage – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Mercury Sable.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for bills like dental work, ambulance fees, EMT expenses, nursing services and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like fire damage, damage from getting keyed, damage from a tornado or hurricane, vandalism and theft. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – Collision coverage will pay to fix damage to your Sable caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, sideswiping another vehicle, crashing into a ditch, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability insurance – This coverage provides protection from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like attorney fees, structural damage, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Save your hard earned cash

We just covered some good ideas how to get a better price on 2009 Mercury Sable insurance. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. Drivers may discover the most savings is with a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and Geico.

The cheapest insurance is attainable on the web in addition to many insurance agents, so compare prices from both to get a complete price analysis. Some insurance companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

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