Compare 2004 Mercury Monterey Insurance Cost

Trying to find cheaper insurance rates for your Mercury Monterey? No normal person looks forward to buying insurance, especially knowing the prices are way too high. Due to the fact that there are so many insurance companies to choose from, it’s nearly impossible to locate the most cost effective insurer.

It’s a good habit to do rate comparisons before your next renewal because insurance rates trend upward over time. Just because you found the best premium rates for Monterey insurance a few years ago you may be paying too much now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the tricks you need to know to find better coverage at a better price.

The purpose of this post is to help you learn how car insurance quotes work. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Consumers only need an understanding of the proper methods to compare prices online.

Which car insurance is cheapest?

Getting a cheaper price on 2004 Mercury Monterey insurance isn’t really that difficult. You just need to spend a few minutes comparing rate quotes from some recommended companies. Rate comparisons can be done in just a few minutes using one of these methods.

One of the fastest ways consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This easy form keeps you from doing repetitive form submissions for each company you want a rate for. Completing one form gets coverage cost estimates from car insurance companies with the best prices.

A more time consuming way to analyze rates is to manually visit the website of each company to complete their respective quote request forms. For instance, let’s assume you want rates from Auto-Owners, State Farm and Farmers. You would have to spend time going to each site individually and repeatedly enter your information, which is why the first method is quicker. For a list of companies in your area, click here.

If you have time to kill, the last way to comparison shop rate quotes is to drive around to local insurance agencies. Comparing online rate quotes makes this process obsolete unless you require the peace of mind of a licensed agent. Although you can compare the best prices online but have a local agent actually write the policy.

Whichever way you choose to compare rates, make sure you are using nearly identical coverages and limits for each comparison quote. If you are comparing different coverage information then you won’t be able to determine the best price for your Mercury Monterey.

Situations that may require an agent’s advice

When choosing the best auto insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions can help discover whether you would benefit from an agent’s advice.

  • Do I pay less for low miles?
  • When do I need to add a new car to my policy?
  • What companies insure drivers after a DUI or DWI?
  • Should I rate my 2004 Mercury Monterey as pleasure use or commute?
  • Does car insurance cover theft of personal property?
  • Should I buy full coverage?
  • Do I have coverage when using my vehicle for my home business?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Auto insurance coverage breakdown

Understanding the coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on most auto insurance policies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses like ambulance fees, X-ray expenses and nursing services. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like a tree branch falling on your vehicle, damage from getting keyed, damage from a tornado or hurricane and hail damage. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage pays for damage to your Monterey caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability insurance

This coverage will cover damage that occurs to other people or property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as pain and suffering, loss of income and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently these coverages are set the same as your liablity limits.

Comments About 2004 Mercury Monterey Insurance

  1. Crysta Roman

    Any claims experience with GEICO in Memphis, Tennessee?

  2. Tracey Jacobs

    Live in Columbus, OH. Compared quite a few companies. Saved about $10 a month. Allstate was the most affordable for me. Was with Farmers. Good multi-policy discounts.

  3. Tam Woodard

    Just my two cents. Located in Evansville, IN. Quoted prices from Amica, Farmers, and Nationwide for my 2004 Mercury Monterey and I’m now saving $15 a month. I get multi-vehicle and multi-policy discounts. You can get a rate quote online. I’m thinking about dropping full coverage though.

  4. Shirley Mcbride

    Here’s my quote info. From north side of New Haven, CT. Received quotes with Western Auto Insurance, AIG Insurance, Hanover, and Mercury for my 2004 Mercury Monterey and I’m now saving $20 a month. Insured with Amica before. Have an at-fault accident tho. I think I’ll get rid of full coverage next time.

  5. Kitty Mccormick

    I got a good deal I think. I live just to the west of Norman, OK. I don’t recall every quote but I ended up saving about $20 each month. It’s only liability tho.

  6. Kristine Yang

    Checking in from Aberdeen, South Dakota. I quoted with AAA, MetLife, and some smaller one I can’t remember the name of for my 2004 Mercury Monterey and I’m now saving $12 a month. They were helpful in switching over.

  7. Nery Fowler

    It all costs too much. Got a quote with Progressive for my Monterey and saved around $90 a year.

  8. Cassi Leach

    Will GEICO raise rates for a small claim?

  9. Merlene Ingram

    All companies are crooks. I’m in the south part of Dallas, TX. Quoted quotes from AIG Insurance, Farmers, and Mercury for my 2004 Mercury Monterey and saved $86 a year. Was with American Family. Even increased my liability limits. Can still barely afford it.

  10. Timothy Bridges

    I found pretty cheap rate quotes for a 2004 Mercury Monterey in Nampa, ID. Ended up at about $100 every six months with AIG Insurance. I got prices on the web.

  11. Donald Aguilar

    Enjoyed the article. From Henderson, Nevada. I quoted with State Farm, AIG Insurance, and some I forget for my 2004 Mercury Monterey and saved around $90 a year. Ask about discounts. Anyone else drop full coverage?