1991 Mercury Topaz Insurance Quotes

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.

Lower-cost insurance coverage rates with discounts

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.

  • Federal Government Employee – Simply working for the federal government can save as much as 8% for Topaz insurance with certain companies.
  • Low Mileage – Keeping the miles down on your Mercury could qualify for better prices on cars that stay parked.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Claim Free – Drivers who stay claim-free can save substantially in comparison with policyholders that have many claims.
  • Senior Citizen Discount – If you qualify as a senior citizen, you could receive a discount up to 10% for Topaz insurance.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school or through a local driver safety program.

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.

  • Geico has discounts for daytime running lights, federal employee, membership and employees, multi-policy, seat belt use, driver training, and multi-vehicle.
  • SAFECO offers discounts for accident prevention training, teen safety rewards, anti-theft, homeowner, multi-car, and anti-lock brakes.
  • State Farm may include discounts for passive restraint, Drive Safe & Save, accident-free, multiple policy, anti-theft, good student, and defensive driving training.
  • MetLife may have discounts that include good student, defensive driver, claim-free, multi-policy, good driver, accident-free
  • 21st Century offers discounts including defensive driver, anti-lock brakes, homeowners, air bags, good student, and driver training.
  • Progressive offers premium reductions for multi-vehicle, multi-policy, homeowner, continuous coverage, online signing, online quote discount, and good student.

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.

How to buy car insurance online

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.

Mercury Topaz insurance prices can be more affordable

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.

  • Urban residents pay more – Choosing to live in less populated areas is a good thing when shopping for auto insurance. People who live in big cities have to deal with congested traffic and longer commute times. Fewer people translates into fewer accidents and a lower car theft rate.
  • Do you really need roadside assistance? – Insurance policies have a lot of optional add-on coverages that can waste your money if you aren’t careful. Add-on coverages like rental car reimbursement, towing, and motor club memberships are examples of these. They may sound like good ideas when deciding what coverages you need, but now you might not need them so get rid of them and save.
  • Prevent theft and lower prices – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart vehicle theft.
  • Multiple policies with one company – Most insurers provide lower prices to buyers that buy multiple policies in the form of a multi-policy discount. The discount can be five, ten or even twenty percent. Even with this discount applied, it’s in your best interest to shop around to ensure the best deal.There is a chance you can save money even if you insure with multiple companies
  • Do you have enough liability protection? – The liability section of your policy is the protection if you are determined to be liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides for a legal defense to defend your case. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
  • Always keep your auto insurance in force – Having a gap between insurance policy dates is a sure-fire way to pay more for auto insurance. Not only will rates go up, the inability to provide proof of insurance will get you fines or a revoked license.
  • Use credit responsibly and save – Having a bad credit history can be a huge factor in determining premium rates. If your credit score leaves room for improvement, you may save money insuring your 1991 Mercury Topaz by improving your rating. Drivers with very good credit scores tend to file fewer claims than those with poor credit.
  • File policy claims and pay more – Auto insurance companies provide lower rates to insureds who only file infrequent claims. If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is designed for the large, substantial claims.

Tailor your insurance coverage coverage to you

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.

  • What if I total my 1991 Mercury Topaz and owe more than it’s worth?
  • Are all vehicle passengers covered by medical payments coverage?
  • When can my company non-renew my policy?
  • Are split liability limits better than a combined single limit?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does coverage extend to my business vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How can I force my company to pay a claim?
  • I have a DUI can I still get coverage?
  • Does my policy cover me when driving someone else’s vehicle?

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.

Insurance policy coverages for a 1991 Mercury Topaz

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.

Spend less. Save more.

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.

Other information

Comments About 1991 Mercury Topaz Insurance

  1. Joelle Salinas

    What are minimum liability limits required in Michigan?

  2. 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.

  3. Ellis Marshall

    I’ve bought from State Farm forever. Cheapest rates in Green Bay, Wisconsin.

  4. 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.

  5. 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.

  6. 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.

  7. Sha Crane

    Will 21st Century rates go up if I file a claim?

  8. 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.

  9. Hedy Puckett

    Does Progressive do SR22s in Maine?