1999 Mercury Sable Insurance Cost – 6 Savings Tips

Drivers have many options when trying to find the lowest priced Mercury Sable insurance. They can either spend hours contacting agents trying to get quotes or utilize the internet to find the lowest rates. There is a right way and a wrong way to buy car insurance and you need to know the quickest way to get price quotes for your Mercury and obtain the lowest price.

It’s a good habit to shop coverage around quite often since prices go up and down regularly. Just because you had the lowest rates for Sable coverage a few years ago there may be better deals available now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the only way to find better coverage at a better price.

Insurance quotes comparison

Finding a better price on insurance doesn’t have to be difficult. All you need to do is take a couple of minutes to compare rate quotes to find. It’s super easy and can be done by using one of the methods below.

One of the fastest ways to get quotes is to use a rate comparison form like this one (opens in new window). This style of form saves time by eliminating repetitive form submissions for each price estimate. Filling out one form gets prices estimates from insurance companies with the best prices. It’s the fastest way to compare.

A more time consuming way to obtain and compare quotes online requires a trip to the website of each company and repeat the quote process again and again. For instance, let’s say you want to view quotes from USAA, Allstate and Travelers. To do that, you would have to take the time to go to each site and enter your policy data, which is why first method is reommended.

For a list of companies in your area, click here.

The most difficult way to compare rates is to drive around to insurance agents’ offices. Doing it all online reduces the need to sit down with an agent unless you have a need for the trained guidance that you can only get from talking to an agent. Drivers can price shop online and have a local agent actually service the policy.

You can use whichever method you prefer to find lower rates, just double check that you are using identical deductibles and coverage limits with each company. If you have different liability limits it’s impossible to truly determine the lowest rate.

Can you really save if you switch?

Consumers can’t escape the ads that claim the cheapest premium rates by 21st Century, Allstate and State Farm. They all tend to make the same promise about saving some big amount if you just switch your coverage.

How does every company charge you less for car insurance? It’s all in the words they use.

All the different companies have specific characteristics for the type of driver that earns them the highest profit. For instance, a profitable customer should be between the ages of 30 and 50, has never had a policy lapse, and the vehicle is rated for pleasure use. Any driver who meets those qualifications receives the best rates and will most likely save a lot of money.

Potential insureds who are not a match for this ideal profile will be quoted a more expensive rate and this can result in the customer buying from someone else. The ads state “customers who switch” not “everyone who quotes” save that much money. That’s the way companies can make it sound like they have such great car insurance rates. That is why it’s extremely important to get a wide range of price quotes. It’s impossible to know the company that will give you the biggest savings.

Six discounts to earn lower-cost car insurance rates

Car insurance is expensive, but you may find discounts to cut the cost considerably. Some discounts will apply at quote time, but some need to be asked about prior to getting the savings.

  • E-sign Discounts</strong – A few companies may give you up to $50 get insurance coverage over the internet.
  • Multiple Vehicles – Buying coverage for all your vehicles with the same company can get a discount on all vehicles.
  • Anti-lock Brakes – Cars equipped with ABS or steering control have fewer accidents and qualify for as much as a 10% discount.
  • Clubs and Organizations – Joining a professional or civic organization is a simple method to lower premiums when shopping for car insurance.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen so companies will give you a small discount.
  • Include Life Insurance and Save – If the company offers life insurance, you could get a lower car insurance rate if you buy life insurance.

A little disclaimer on discounts, most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way.

Some companies who may offer most of these discounts may include but are not limited to:

When comparing rates, check with each company or agent which discounts you may be entitled to. Some discounts may not apply to policies in your area. If you would like to view providers who offer discounts, click this link.

Tailor your insurance coverage to you

When buying proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different.

These are some specific questions can aid in determining if your insurance needs might need an agent’s assistance.

  • When can my company non-renew my policy?
  • How high should deductibles be on a 1999 Mercury Sable?
  • Why does it cost so much to insure a teen driver?
  • Does my policy cover my teen driver if they drive my company car?
  • How do I file an SR-22 for a DUI in my state?
  • What is UM/UIM insurance?
  • Am I covered when delivering products for my home-based business?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is pleasure use cheaper than using my 1999 Mercury Sable to commute?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can help protect your family.

Car insurance coverages for a Mercury Sable

Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Liability auto insurance

This coverage can cover damages or injuries you inflict on other’s property or people in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like legal defense fees, repair bills for other people’s vehicles, pain and suffering, medical expenses and loss of income. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Comprehensive protection

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, damage from getting keyed, hitting a deer, vandalism and falling objects. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

Collision coverage covers damage to your Sable from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, crashing into a ditch and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like nursing services, hospital visits, surgery, EMT expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Don’t throw your cash in the trash

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. In many cases, an insured cut uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

Some insurance coverage companies do not offer price quotes online and most of the time these smaller providers prefer to sell through independent insurance agents. Cost effective 1999 Mercury Sable insurance can be bought both online as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money.

We just presented many ways to shop for 1999 Mercury Sable insurance online. It’s most important to understand that the more quotes you get, the better likelihood of getting cheaper insurance coverage. Drivers may discover the best price on insurance coverage is with a smaller regional carrier.

Additional insurance coverage information is located at the links below

Comments About 1999 Mercury Sable Insurance

  1. Leena Walsh

    All companies are crooks. Proud to be from Concord, NH. Not sure of all the companies but I ended up saving about $20 each month.

  2. Shantel Rios

    Cheaper car insurance is a myth. I live just to the east of Lewiston, ME. Quoted quotes from Allstate, GMAC, and Esurance for my Sable and saved just over $80 a year. Moved home policy as well. I don’t put full coverage on it.

  3. Min Bolton

    I’m just east of Paterson, New Jersey and for me Progressive had the lowest quote. I recommend comparing lots of rates. Liability only on my Sable.

  4. Julee Banks

    Thought I’d throw in my experience. From a town just southwest of Chesapeake, VA. Received quotes from Mercury, Eastwood, State Farm, and Auto-Owners for my Mercury and saved $80 a year. Teenage drivers are expensive! :P

  5. Adela Sims

    I’m in the south part of Pittsburgh, Pennsylvania. Got quotes with 21st Century, AIG Insurance, and some I forget for my Sable and I think I cut my rates about $20 each month. Not sure if rates are cheaper online or through an agent. I think I’ll get rid of full coverage next time.

  6. Edwin Caldwell

    I think I’m paying too much. Got a quote with Allstate for my Mercury and saved around $90 a year. I get lower rates because of my clean driving record. They offer free online rate quotes. I don’t put full coverage on it.

  7. Darrell Moran

    Cheap is not always the best policy. Proud to be from Tucson, Arizona. Quoted with 21st Century, Amica, Esurance, and Hanover for my 1999 Mercury Sable and saved $71 a year. Was with Hartford. I get a discount for insuring multiple vehicles. Not worth enough to pay for comprehensive and collision.

  8. Chanda Zimmerman

    Thought I’d throw in my experience. Lifelong resident of Portland, OR. Went online for free insurance quotes for a 1999 Mercury Sable. Ended up at about $70 savings annually. Went with State Farm. I quoted rates online then called them.

  9. Jacquetta Casey

    Proud to be from San Antonio, TX. Quoted with Safeco, Erie, State Farm, and American Family for my Sable and saved just over $110 a year. Not sure about claim service.

  10. Roxanne Andrews

    Located in Warren, MI. I don’t recall every quote but I ended up saving about $30 each month. It never hurts to quote around.