Vehicles > Mercury > Sable

Mercury Sable Insurance Cost

Drivers have lots of options when finding cheaper insurance coverage on your Mercury vehicle. You can either buy through your neighborhood insurance agent or shop online to compare rates from companies. Finding cheaper auto insurance by quoting online is easy, plus you will probably save money.

Consumers who are new to the process of buying insurance may think buying low-cost Sable insurance is hard. Finding cheaper coverage prices is a fairly straight forward process. All you need to do is take the time comparing rates from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

Premiums are calculated by these factors

Insurance rates on a Mercury Sable will vary greatly based upon several criteria. Including but not limited to:

  • The performance level of your Sable
  • Your accident history
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Add-on coverages such as rental reimbursement
  • No claims lowers premiums
  • Having continuous coverage saves you money
  • Home ownership saves money

One last important factor which can affect the rate you pay on your Mercury is the year of manufacture. Newer models have a higher actual cash value so repair costs are higher which will push premiums up. Although newer models may have options included like automatic crash notification, blind-spot warning system, and an advanced theft deterrent system so those may lower rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Sable from the list below.

Liability coverages

Liability insurance protects you from damage or injury you incur to people or other property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision protection

This pays for damage to your Mercury resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your Sable can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper Sable insurance cost.

Comprehensive coverages

This coverage pays for 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. The maximum amount your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. 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.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. PIP is not available in all states and gives slightly broader coverage than med pay.

How Much are Mercury Sable Insurance Rates?