2002 Mercury Sable Insurance Cost – 10 Ideas for Cheapest Prices

Think you have an underperforming, overpriced insurance coverage policy? You’re in good company because many consumers are in the same pinch.

There is such a variety of insurance companies to insure vehicles with, and although it’s a good thing to have a selection, too many choices makes it more difficult to compare rates and cut insurance costs.

How much does auto insurance cost?

There are several ways to shop for auto insurance, and some are more efficient than others. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could save time and use the web for quick rates.

Many companies enroll in a system that allows shoppers to submit one quote, and each participating company then gives them pricing determined by their information. This prevents consumers from doing quote forms for each company you want a rate for.

To participate in this free quote system, click to open in new window.

The one downside to getting quotes like this is you can’t choose which insurance companies to get pricing from. So if you want to select specific providers to compare prices, we have a listing of auto insurance companies in your area. Click here to view list.

Whichever method you choose, make sure you are using the exact same coverage data for each price quote. If you are comparing different limits and deductibles on each one it’s not possible to make a fair comparison for your Mercury Sable. Just slight variations in insurance coverages or limits can make a big difference in price. Just remember that comparing a large number of companies will increase your chances of finding more affordable insurance.

Slash your insurance coverage rates with these ten discounts

Companies that sell car insurance don’t list every discount very clearly, so the following list contains both well-publicized as well as the least known credits available to bring down your rates.

• Defensive Driving Course – Taking a class that teaches defensive driving techniques could save 5% or more and make you a better driver.
• Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10% off your insurance quote.
• Passenger Safety Discount – Cars that have air bags can get savings of more than 20%.
• Discount for Multiple Policies – If you can bundle your homeowners and auto insurance with one insurance company you may earn at least 10 to 15 percent or more.
• Driver’s Ed – Teen drivers should participate in a local driver’s education class as it will make them better drivers and lower rates.
• Telematics Devices – Insureds who allow driving data collection to scrutinize driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they show good driving skills.
• Pay Now and Pay Less – By paying your entire bill at once instead of monthly or quarterly installments you can avoid the installment charge.
• Lower Rates for Military – Being deployed with a military unit can result in better insurance coverage rates.
• Discount for New Cars – Putting insurance on a new car may earn a small discount because new vehicles keep occupants safer.
• Save over 55 – Seniors could receive a small decrease in premiums for Sable coverage.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, you won’t be that lucky.

Car insurance companies who may offer many of the previously listed discounts include:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

Check with all the companies which discounts you qualify for. Some of the earlier mentioned discounts may not apply to policies in your area.

You are unique and your car insurance should be too

When it comes to buying the best car insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For instance, these questions could help you determine if you could use an agent’s help.

• Can I rate high risk drivers on liability-only vehicles?
• When do I need to add a new car to my policy?
• Do I really need UM/UIM coverage?
• Should I buy more coverage than the required minimum liability coverage?
• Do I need replacement cost coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Should I buy additional glass protection?
• Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverages

Having a good grasp of your policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are the normal coverages available from auto insurance companies.

Collision insurance

This pays to fix your vehicle from damage resulting 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 backing into a parked car, sideswiping another vehicle, colliding with a tree and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hail damage, rock chips in glass, theft and hitting a bird. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance

This provides protection from damage that occurs to other’s property or people by causing an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like emergency aid, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like pain medications, funeral costs, X-ray expenses, rehabilitation expenses and prosthetic devices. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Feed the piggy bank

When getting insurance quotes online, don’t be tempted to skimp on coverage in order to save money. There have been many cases where consumers will sacrifice liability coverage limits only to regret that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage at the lowest possible cost while not skimping on critical coverages.

Lower-priced 2002 Mercury Sable insurance is available online and from local agencies, so you should compare both to get a complete price analysis. Some companies may not provide rate quotes online and most of the time these small, regional companies provide coverage only through local independent agencies.

We covered some good ideas how you can compare 2002 Mercury Sable insurance premium rates online. It’s most important to understand that the more price quotes you have, the better likelihood of getting cheaper insurance. Drivers may discover the most savings is with a smaller regional carrier. They can often provide lower prices in certain areas as compared to the big name companies such as Allstate and Progressive.

Helpful articles

• Winter Driving (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Safety Features for Your New Car (State Farm)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Property Damage Coverage (Liberty Mutual)