Having to pay for pricey Mercury Topaz insurance can take a big chunk out of your savings and make it hard to pay other bills. Price shopping at each renewal can save money and help to tighten up your finances.
Many auto insurance companies vie for your hard-earned dollar, so it’s not easy to compare every insurance company and get the definite lowest cost out there.
It’s a good habit to price shop coverage periodically because rates are adjusted regularly by insurance companies. Just because you found the best premium rates for Topaz insurance a year ago there may be better deals available now. You can find a lot of information about auto insurance online but in just a couple of minutes you can learn the best ways to reduce your auto insurance bill.
Insurance coverage is neither fun to buy or cheap, but you may qualify for discounts that can help lower your rates. Many discounts should be triggered when you quote, but some need to be specially asked for prior to getting the savings.
Discounts lower rates, but some credits don’t apply the the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. Just because you may think you could get a free insurance coverage policy, companies don’t profit that way.
Companies and a partial list of their discounts can be read below.
If you need lower rates, check with all the companies to give you their best rates. Some discounts might not apply in every state. To locate insurance companies with discount rates, click here to view.
Most major insurance companies like Progressive, Geico, Allstate and State Farm allow consumers to get coverage price quotes on the web. Comparing prices online doesn’t take much effort as you just enter the amount of coverage you want into the form. Behind the scenes, their quoting system will order your credit score and driving record and gives you a price quote based on these factors. Online quotes makes comparing rates easy, but having to visit each company’s website and repetitively type in the same information is a big time waster. But it is imperative to have as many quotes as possible if you want to get the lowest car insurance rates.
Compare rates the easy way
A better way to find lower prices uses one form that analyzes rates from more than one company. It saves time, requires much less work on your part, and makes quoting online much easier to do. As soon as you send your information, it gets priced and you are able to buy any of the quote results. If a lower price is quoted, you can simply submit the application and purchase coverage. It can be completed in less than 10 minutes and you will find out if you’re overpaying now.
If you want to compare rates now, simply click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you enter the insurance coverages identical to your current policy. Doing this assures you will be getting an apples-to-apples comparison using the same coverage and limits.
One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that play a part in calculating auto insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to lower premium levels.
When it comes to choosing the best insurance coverage coverage, there is no “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out if your situation would benefit from professional advice.
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Understanding the coverages of your insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages found on the average insurance policy.
Insurance for medical payments – Med pay and PIP coverage kick in for expenses for ambulance fees, funeral costs, dental work, X-ray expenses and pain medications. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Auto liability – Liability insurance provides protection from damage or injury you incur to people or other property. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.
Liability can pay for things like bail bonds, attorney fees, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.
Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as vandalism, theft and damage from flooding. The maximum payout your 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 – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like hitting a mailbox, driving through your garage door, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to get cheaper collision coverage.
Uninsured Motorist or Underinsured Motorist insurance – This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your 1991 Mercury Topaz.
Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where an insured cut full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at the best cost, but do not skimp to save money.
More affordable insurance is possible both online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not offer the ability to get a quote online and many times these small insurance companies prefer to sell through local independent agents.
Joelle Salinas
What are minimum liability limits required in Michigan?
Cecila Hooper
In Tucson, AZ, AIG Insurance had the best rates for my 1991 Mercury Topaz. My new agent seems to be really good. I got a quote from their website.
Ellis Marshall
I’ve bought from State Farm forever. Cheapest rates in Green Bay, Wisconsin.
Laraine Mcdonald
I live just outside Tucson, Arizona. Received quotes with Auto-Owners, Safeco, and a few others for my Mercury and saved just over $70 a year. I increased coverages a little too. I just quoted rates online. Full coverage costs too much.
Lucia Bowers
I’m in the south part of Lincoln, NE. Received quotes with Western Auto Insurance, Amica, GMAC, and Safeco for my 1991 Mercury Topaz and saved just over $90 a year. LOL I don’t have comp or collision coverage.
Graham West
Went with AIG Insurance for my 1991 Mercury Topaz and am saving around $70 a year. I’m a pretty good driver though. Wish I didn’t have to insure at all. I think I’ll get rid of full coverage next time.
Sha Crane
Will 21st Century rates go up if I file a claim?
Zoe Irwin
If you’re a decent driver and live in the vicinity of Aurora, CO, check out State Farm. I saved quite a bit. Have a couple speeding tickets too. I used their online quote form to compare rates. Just liability coverage since it’s getting old.
Hedy Puckett
Does Progressive do SR22s in Maine?