View 1997 Mercury Sable Insurance Quotes

Pricey Mercury Sable insurance can draw down your personal savings and force you to tighten up your finances. Doing a rate comparison can save money and help to reduce premiums and put more money in your pocket.

Due to the increasing number of options when it comes to auto insurance, it is very difficult to find the cheapest insurance company.

It’s a good idea to get comparison quotes once or twice a year since prices change quite often. If you had the lowest quotes on Sable insurance two years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the tricks you need to know to lower your annual insurance bill.

This information will teach you how to get online quotes and some money-saving tips. If you currently have a car insurance policy, you should be able to cut costs considerably using these methods. Drivers just need to understand the most effective way to find the lowest price over the internet.

Why you might pay inflated rates

Lots of things are used when premium rates are determined. Some are pretty understandable like a motor vehicle report, although others are not as apparent like where you live or your commute time.

• Companies want multiple policies – The majority of auto insurance companies apply better rates to policyholders who have multiple policies with them. It’s known as a multi-policy discount. Even with this discount, you may still want to compare rates to make sure you are getting the best deal.There is a chance you can find a better deal by buying auto insurance from a different company.
• Don’t let your coverage lapse – Having a lapse in insurance coverage is a fast way to increase your rates. Not only will you pay higher rates, failure to provide proof of insurance may result in a license revocation or jail time. You could then be forced to file a SR-22 with your state department of motor vehicles.
• What’s your car’s NHTSA crash test rating? – Cars with high safety ratings get lower rates. Safe vehicles help reduce the chance of injuries in an accident and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If your Mercury Sable is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
• Discounts for married couples – Having a wife or husband may save some money compared to being single. Having a significant other translates into being more mature and responsible it has been statistically shown that drivers who are married are more cautious.

How to get affordable car insurance

The majority of larger companies provide prices for coverage from their websites. Doing online price comparisons is easy for anyone because it’s just a matter of typing in on the page. Once entered, the quote system requests your credit score and driving record and gives you a price quote based on the data you entered. This streamlines rate comparisons, but the time required to go to many different websites and type in the same information can be a bit tiresome and repetitive. But it’s very important to do this if you want to find better prices.

The easiest way to find cheaper rates uses one simple form that analyzes rates from many companies. The form is fast, eliminates form submissions, and makes online quotes much more efficient. After sending the form, it is rated and you can select any of the quotes returned.

If a lower price is quoted, you simply finish the application and purchase the new policy. It can be completed in a matter of minutes and can result in significant savings.

To use this form to compare rates, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you copy the limits and deductibles as close as possible to your current policy. Doing this guarantees you will have a rate comparison using the exact same coverages.

Don’t believe everything you hear

Drivers can’t escape the ads that promise big savings for switching from the likes of Geico, State Farm and Progressive. They all seem to make the same claim about savings after switching your auto insurance coverage to their company.

Is it even possible that every company can claim to save you money? This is how they do it.

Companies have a certain “appetite” for the type of driver that earns them the highest profit. A good example of a desirable insured could be between the ages of 30 and 45, has never had a claim, and drives a safe vehicle. Any new insured who matches those parameters will get very good car insurance rates and will also save a lot of money.

Drivers who do not match those standards will probably have to pay higher premiums and this can result in the driver buying from a lower-cost company. The trick companies use is to say “people who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way insurance companies can confidently advertise the way they do.

Different companies use different criteria so you need to compare rate quotes every year. It is impossible to guess with any certainty which company will fit you best based on your risk profile.

Don’t overlook these insurance discounts

Some companies don’t list their entire list of discounts very well, so we took the time to find some of the more common and the harder-to-find insurance savings.

• 55 and Retired – If you’re over the age of 55, you may be able to get a discount up to 10% on Sable insurance.
• Sign Early and Save – A few larger companies give discounts for switching to them before your current expiration date. You could save around 10% when you buy auto insurance online.
• Responsible Driver Discount – Accident-free drivers can save as much as half off their rates on Sable insurance than drivers with accidents.
• Good Grades Discount – Excelling in school may save as much as 25% on a auto insurance quote. The good student discount can last well after school through age 25.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
• Anti-theft System – Cars and trucks that have factory anti-theft systems prevent vehicle theft and that can save you a little bit as well.
• Membership in Organizations – Participating in a professional or civic organization could trigger savings on your bill.

As a footnote on discounts, many deductions do not apply to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts should help reduce the amount you pay for coverage.

Car insurance companies that may include some of the above discounts include:

• State Farm
• Progressive
• Progressive
• MetLife
• Farm Bureau
• Geico
• SAFECO

When getting free auto insurance quotes, it’s a good idea to each company or agent to give you their best rates. Discounts may not apply to policies in your area. If you would like to choose from a list of insurance companies who offer discounts, follow this link.

When to get professional advice

When it comes to choosing adequate coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different so your insurance should reflect that For example, these questions can help discover whether your personal situation might need an agent’s assistance.

• Why does it cost so much to insure a teen driver?
• Are my friends covered when driving my 1997 Mercury Sable?
• How do I buy GAP insurance?
• Does coverage extend to my business vehicle?
• I have health insurance so do I need medical payments coverage?
• Are rental cars covered under my policy?
• How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your policy

Having a good grasp of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages available from car insurance companies.

Collision protection

This coverage pays for damage to your Sable caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as colliding with a tree, sideswiping another vehicle, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Mercury Sable.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses such as prosthetic devices, dental work, EMT expenses and chiropractic care. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Auto liability insurance

This protects you from damage that occurs to other people or property in an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair bills for other people’s vehicles, loss of income and structural damage. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Comprehensive car insurance

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hail damage, hitting a bird and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Affordable insurance is out there

As you restructure your insurance plan, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where someone dropped liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at the best possible price and still be able to protect your assets.

Some insurance companies do not provide rate quotes online and usually these smaller companies provide coverage only through independent insurance agents. Cheaper insurance is definitely available on the web as well as from insurance agents, and you need to price shop both to get a complete price analysis.

More information is located at the links below

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)