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Mercury Topaz Insurance Rates

Buying car insurance from online rate quotes can be fast and easy and there is a good chance you might just save a little. The most important part is to take the time to get rates from all companies so you can compare the lowest prices.

If you're new to shopping for car insurance online, you can be overwhelmed by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The easiest way to find the lowest Topaz insurance cost is to get quotes online. This can be accomplished by visiting this page.

Auto insurance rates on a Mercury Topaz can vary widely depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Credit rating
  • Your gender can raise or lower rates
  • Higher deductibles save money
  • Safety rating of your Topaz
  • What you do for a living
  • Your coverage level
  • Whether you own your home

A final factor that helps determine Topaz insurance rates is the model year. Older models cost less in comparison to older models so the cost to replace them may result in lower rates. On the flip side, newer models may have a trim level with safety features like an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system which can provide discounts that lower premiums.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle below.

Liability insurance - This coverage protects you from damage that occurs to people or other property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision - Collision insurance pays for damage to your Mercury resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your Topaz can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper Topaz insurance rates.

Comprehensive protection - This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your Mercury Topaz comprehensive insurance. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage - Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense coverage - Med pay and PIP coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.

How Much are Mercury Topaz Insurance Rates?