Trying to find cheaper car insurance rates for your Mercury Topaz? No car owner loves paying for car insurance, especially knowing the prices are way too high.
Lots of auto insurance companies contend for your hard-earned dollar, so it’s not easy to compare every company to get the lowest rate
It is always a good idea to price shop coverage before your policy renews because prices trend upward over time. Even if you think you had the lowest rates on Topaz insurance on your last policy you can probably find a better premium rate now. You can find a lot of information about car insurance online but by reading this article, you’re going to learn some great ideas on how to find cheap car insurance.
Car insurance can cost a lot, but you may qualify for discounts to help offset the cost. A few discounts will automatically apply when you quote, but occassionally some discounts must be requested specifically before you will receive the discount. If you do not check that you are getting every discount you deserve, you could be paying more than you need to.
One last thing about discounts, some credits don’t apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, you aren’t that lucky.
To see providers who offer discounts, click here to view.
When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if you would benefit from an agent’s advice.
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.
Popular insurance coverage providers such as State Farm and Allstate consistently run ads on television and other media. All the ads state the claim that you can save if you get a free auto insurance quote and switch to them. How does every insurance coverage company sell you cheaper insurance coverage? You have to listen carefully.
Different companies provide the lowest rates for the type of customer that will add to their bottom line. A good example of this type of driver could be a female over age 40, insures multiple vehicles, and drives less than 7,500 miles a year. Any driver that matches those criteria will probably get cheap prices and therefore will save money with a new company.
Potential customers who cannot meet these stringent criteria will probably have to pay a higher premium with the end result being the customer not purchasing. Company advertisements say “people that switch” not “everyone who quotes” can save as much as they claim. That is how insurance companies can make those statements. This really drives home the point why you need to compare as many free auto insurance quotes as you can. It is just not possible to predict the company that will have better car insurance rates than you’re paying now.
Understanding the coverages of insurance aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.
Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects YOU from claims by other people, 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. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against things such as emergency aid, structural damage and attorney fees. How much coverage you buy is your choice, but consider buying as much as you can afford.
This will pay to fix damage to your Topaz from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like damaging your car on a curb, hitting a parking meter, sustaining damage from a pot hole, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims like vandalism, hail damage, a tree branch falling on your vehicle, hitting a deer and falling objects. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Mercury Topaz.
Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like surgery, funeral costs and nursing services. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible
You just learned some good ideas how you can lower your 1993 Mercury Topaz insurance rates. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers could even find that the biggest savings come from a smaller regional carrier. They may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.
While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced collision coverage only to find out they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage at the best possible price, but do not sacrifice coverage to save money.
To learn more, feel free to visit the resources below:
Donte Gross
Anyone buy from AAA? I’m in Charleston, SC.
Maia Haynes
Does Progressive offer multi-policy discounts?
Maureen Cameron
Here’s my info. Live in Milwaukee, WI. Got rates from The General, AIG Insurance, Safeco, and a couple others for my Topaz and saved $113 a year. A clean driving record helps. I got prices on the web.
Loraine Shields
If you have a good history and live near Denver, CO, check out Allstate. I saved quite a bit. Left Travelers to switch.
Elissa Macdonald
If you have a clean record and live near Nampa, ID, check out GEICO. You might get cheaper rates. Just liability coverage since it’s getting old.
Aurora Randolph
Does GEICO insure after a DUI?
Claretha Prince
I compared a lot of rate quotes for a 1993 Mercury Topaz in Paterson, NJ. Ended up at roughly $60 every six months with American Family. Got better coverage too. I don’t have comp or collision coverage.
Kandice Davenport
Good detail in your article. From northwest of Baltimore, MD. Quoted with MetLife, Farmers, GEICO, and AIG Insurance for my Mercury and saved $83 a year. Left AAA to switch. I only have liability coverage on it.