Save on 1992 Mercury Sable Insurance Quotes

Nobody I know looks forward to buying insurance coverage, especially when they are aware that the cost is too high.

Online insurance companies like Allstate, Progressive and Geico constantly blast consumers with catchy ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

How to get free car insurance quotes online

There are a variety of methods to compare car insurance prices but one way is easier and takes less work. You can waste a few hours (or days) talking about coverages with agents in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Many companies participate in a marketplace where prospective buyers complete one form, and every company can provide price quotes based on that information. This eliminates the need for quote requests for every car insurance company.

To participate in this free quote system, click here (opens in new window).

The single downside to using this type of form is that you can’t choose which carriers to get pricing from. So if you want to choose specific providers for rate comparison, we have a listing of low cost car insurance companies in your area. View list of insurance companies.

Whichever method you choose, compare apples-to-apples deductibles and coverage limits on every price quote you get. If your comparisons have mixed coverages you will not be able to determine which rate is truly the best. Just slight variations in coverage limits may cause a big price difference. And when comparing car insurance rates, know that having more price comparisons will enable you to find more affordable rates. Not every company provides online quotes, so you should also compare price estimates on coverage from those companies, too.

How do insurers determine Mercury Sable insurance costs?

Many factors are considered when pricing auto insurance. Some of the criteria are obvious such as your driving record, but some are less apparent like your vehicle usage and annual miles driven.

• Prices and your address – Residing in a small town is a positive aspect if you are looking for the lowest rates. People in densly populated areas tend to have much more traffic and more time behind the wheel. Fewer drivers on the road translates into fewer accident claims in addition to fewer liability claims.
• Put fewer miles on your vehicle – Driving more miles each year the more it will cost to insure it. Most insurance companies charge rates based upon how much you drive. Cars that sit idle most of the time receive lower rates than those that get driven frequently. Verify your car insurance policy is showing the right rating data, because it can save money. An improperly rated Sable may be costing you higher rates.
• Drivers with responsible credit save on car insurance – Credit score can be an important factor in calculating your car insurance rates. If your credit score is lower than you’d like, you could save money insuring your 1992 Mercury Sable by spending a little time repairing your credit. Consumers who have excellent credit tend to be less risk to insure than drivers with bad credit.
• Car insurance rates and job – Occupations such as doctors, business owners and dentists are shown to have the highest rates because of intense work situations and long work days. Conversely, occupations like scientists, athletes and homemakers pay lower than average rates on Sable coverage.
• Gender and insurance premiums – Statistics demonstrate females are less aggressive when driving. However, don’t assume that men are worse drivers. They both have at-fault accidents at about the same rate, but the males cause more damage. Men also statistically get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.
• Better car insurance rates on safer cars – Vehicles that have high safety ratings cost less to insure. Vehicles built for safety have better occupant injury protection and lower rates of occupant injuries means less claims paid and cheaper rates on your policy. If your Mercury scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.

Drivers save money with with these discounts

Some insurers don’t always list all disounts very clearly, so the below list has some of the best known as well as some of the hidden credits that may apply to you.

• Early Renewal Discounts – Some insurance coverage companies give discounts for buying a policy prior to the expiration date on your current policy. It’s a savings of about 10%.
• Early Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you can avoid the installment charge.
• Seat Belts Save – Drivers who require all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of more than 20%.
• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will qualify for a discount on a car insurance quote.

Don’t be surprised that some credits don’t apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like you would end up receiving a 100% discount, you’re out of luck.

Companies and some of the discounts are shown below.

• Farm Bureau offers discounts for good student, safe driver, youthful driver, multi-policy, and 55 and retired.
• Liberty Mutual discounts include multi-policy, new vehicle discount, new graduate, teen driver discount, hybrid vehicle, newly retired, and exclusive group savings.
• State Farm includes discounts for Drive Safe & Save, multiple autos, safe vehicle, accident-free, anti-theft, passive restraint, and Steer Clear safe driver discount.
• Auto-Owners Insurance may have discounts that include multi-policy, teen driver, student away at school, group or association, and anti-theft.
• Geico has discounts for membership and employees, multi-vehicle, multi-policy, military active duty, emergency military deployment, and anti-lock brakes.
• SAFECO policyholders can earn discounts including homeowner, anti-theft, drive less, accident prevention training, teen safety rewards, and teen safe driver.

When getting a coverage quote, ask all companies you are considering which discounts can lower your rates. Savings may not apply to policyholders in your area.

Your situation helps dictate your coverage

When it comes to choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different so this has to be addressed. These are some specific questions may help you determine if your situation may require specific advice.

• What is the difference between comprehensive and collision coverage?
• How much liability coverage do I need in my state?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Am I covered if I hit my neighbor’s mailbox?
• How does medical payments coverage work?
• When should my teen driver be added to my policy?
• Where can I find high-risk insurance?
• Is a fancy paint job covered?
• What vehicles should carry emergency assistance coverage?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Car insurance 101

Knowing the specifics of a insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage pay for bills for chiropractic care, doctor visits and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision protection

This covers damage to your Sable from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1992 Mercury Sable.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Auto liability insurance

This coverage can cover damage that occurs to people or other property in an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

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 policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like attorney fees, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from flooding, vandalism, falling objects and hail damage. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Take this to the bank

When you buy car insurance online, you should never skimp on critical coverages to save a buck or two. In many instances, someone sacrificed liability limits or collision coverage only to regret that it was a big mistake. Your goal is to purchase plenty of coverage at the best price, but do not skimp to save money.

Cheaper 1992 Mercury Sable insurance is available on the web as well as from independent agents, and you should be comparing both to have the best rate selection. A few companies do not provide rate quotes online and most of the time these regional carriers prefer to sell through independent agents.

We’ve covered some good ideas how you can shop for 1992 Mercury Sable insurance online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding cheaper car insurance. You may even find the best car insurance rates are with a smaller regional carrier. Regional companies often have lower premium rates on specific markets compared to the large companies like State Farm, Geico and Nationwide.

More detailed insurance information is located at these sites:

• Learn About Car Insurance (Geico)
• Insurance Losses by Make and Model (iihs.org)
• Understanding Limits and Deductibles (Allstate)
• Tools for Teen Driving Safety (State Farm)
• Car Insurance: When not to Skimp (BankRate.com)