View 2004 Mercury Sable Insurance Rates

Want better insurance rates for your Mercury Sable? Buying the most affordable insurance over the internet may at first seem to be somewhat difficult for consumers new to quoting and comparing rates and buying insurance on the web. With so many agents and insurers to choose from, how are we expected to possibly compare them all to find the cheapest available price?

How to lower your car insurance cost

When shopping for inexpensive insurance quotes, there are a couple of ways of comparing rate quotes from different insurance companies. The recommended way to find competitive 2004 Mercury Sable insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished in just a few minutes using one of these methods.

• The fastest way to get quotes is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating repetitive form entry for every car insurance company. In just a few minutes this one form will get you rate comparisons from all major companies. Just one form and you’re done.
• A different way to get comparison quotes is spending the time to visit each company website and repeat the quote process again and again. For sake of this example, we’ll pretend you want comparison quotes from Progressive, Safeco and Geico. You would need to spend time on each company’s site and repeatedly type in your coverage information, which can get rather old.

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

Whichever way you choose to compare rates, be sure to compare equivalent coverages and limits for each quote you get. If you compare different liability limits you will not be able to make a fair rate comparison. Slightly different insurance coverages could throw off the whole comparison. And when comparing car insurance rates, know that comparing more rates from different companies increases the change that you will find the best rates.

Why you might not save $443 a year

Popular insurance providers such as Allstate and Progressive consistently run television, radio, and online ads. They all seem to say the same thing that you can save if you move your coverage. It sounds good, but how can they all claim to save you money? This is how they do it.

Different companies provide the lowest rates for the type of insured they prefer to insure. A good example of this type of insured may need to be a mature driver, carries full coverage, and drives a vehicle with a low ISO rating. Someone that fits those parameters receive the lowest rate quotes and will probably save a lot of money.

Drivers who do not match this ideal profile must pay higher premiums and this results in the customer not buying. The wording the ads use say “people that switch” but not “everyone who gets a quote” save that kind of money. That is how insurance companies can advertise the savings. Because every company is different, drivers should do a price quote comparison at every renewal. It’s just not possible to know which company will have the lowest prices for your situation.

Don’t overlook these car insurance discounts

Some providers don’t always advertise the entire discount list in an easy-to-find place, so the following is a list of both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates.

• Seat Belts Save more than Lives – Drivers who require all occupants to buckle up can save a little off the PIP or medical payment premium.
• Own a Home – Being a homeowner can get you a discount because maintaining a house means you have a higher level of financial diligence.
• Discount for New Cars – Insuring a vehicle that is new is cheaper because new model year vehicles are generally safer.
• Professional Memberships – Having an affiliation with specific professional or occupational memberships or organizations could qualify you for a break when getting a insurance quote.
• Safe Driver Discounts – Insureds without accidents can pay as much as 50% less on Sable coverage than less cautious drivers.
• Payment Discounts – By paying your entire bill at once rather than paying monthly you could save 5% or more.
• Defensive Driver Discounts – Passing a safe driver course could possibly earn you a 5% discount and easily recoup the cost of the course.
• Active Military Service – Being on active duty in the military could be rewarded with lower prices.
• Federal Employees – Active or retired federal employment may qualify for a discount when you quote insurance on Sable coverage with certain companies.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most cut individual premiums such as collision or personal injury protection. Despite the fact that it seems like you could get a free car insurance policy, it doesn’t quite work that way.

If you would like to see a list of insurance companies who offer car insurance discounts, click here to view.

When to get professional advice

When choosing the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

For example, these questions may help you determine whether or not you might need professional guidance.

• Is my camper covered by my car insurance policy?
• Is a blown tire covered by insurance?
• Do I need medical payments coverage since I have good health insurance?
• How does medical payments coverage work?
• Do I need rental car coverage?
• What can I do if my company won’t pay a claim?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, complete this form.

Information about specific coverages

Having a good grasp of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Auto liability insurance – This protects you from damage that occurs to other people or property. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things like repair costs for stationary objects, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

UM/UIM Coverage – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Mercury Sable.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision coverages – Collision coverage 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 insurance covers things like crashing into a building, rolling your car, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Medical costs insurance – Med pay and PIP coverage kick in for bills like chiropractic care, doctor visits, pain medications and prosthetic devices. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, hitting a deer, a tree branch falling on your vehicle, vandalism and hitting a bird. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Power to the consumer

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced liability limits or collision coverage only to regret that the savings was not a smart move. Your goal should be to buy enough coverage at the best price, but don’t skip important coverages to save money.

Consumers switch companies for many reasons like questionable increases in premium, delays in responding to claim requests, poor customer service or even high prices. No matter why you want to switch, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Some companies may not have the ability to get a quote online and many times these regional insurance providers work with independent agencies. Cost effective 2004 Mercury Sable insurance is possible both online and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates.

Additional information can be found at these links:

• Vehicle Safety Ratings (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)