2005 Mercury Sable Insurance Rates – 8 Ways to Save

Searching for the cheapest auto insurance rates for your Mercury Sable? Have you had enough of trying to scrape together enough money to make your auto insurance payment? You are no different than millions of other people. Multiple insurers compete for your insurance dollar, so it can be very hard to choose a insurer and get the best coverage at the best rate

The fastest way that we advise to compare car insurance company rates utilizes the fact most of the larger companies participate in a system to give free rates quotes. The only thing you need to do is provide the companies a bit of rating information including coverage limits, driver details, if you lease or own, and your general credit rating. That rating information is then submitted to multiple different insurance companies and they return quotes quickly.

To find the cheapest Mercury Sable insurance rates, click here then complete the form.

Insurance coverage buyers beware

Consumers can’t escape the ads that claim the lowest prices by companies like Progressive, Geico, Allstate and State Farm. All the ads advertise claims that drivers will save a bundle just by switching your coverage to them.

How is it plausible that every one can say the same thing? This is how they do it.

Insurance coverage companies quote their cheapest rates for the type of customer that earns them the highest profit. A good example of a driver they prefer may need to be between the ages of 30 and 50, has had continuous coverage, and drives a car with an anti-theft system. A propective insured that meets those criteria will probably get cheap rates and have a good chance to save a lot of money.

Consumers who are not a match for these stringent criteria will be quoted higher rates which translates to the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everyone who quotes” will save that much if they switch. That’s why companies can truthfully lure you into getting a quote. Because of this risk profiling, you really should do a rate comparison at every renewal. It’s not possible to predict which insurance companies will give you the biggest savings.

Car insurance companies offer lots of discounts

Car insurance is easily one of your largest bills, but there could be significant discounts that can help lower your rates. Larger premium reductions will be automatically applied when you purchase, but some discounts are required to be requested specifically before being credited.

• Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents so companies give up to a 10% discount.
• Good Student – Performing well in school can get you a discount of up to 25%. The good student discount can last up until you turn 25.
• Defensive Driver – Participating in a defensive driving class may get you a small discount depending on where you live.
• Discount for Multiple Policies – If you combine your auto and homeowners policies with one company you could get a discount of at least 10% off all policies.
• Paperwork-free – A handful of insurance companies give back up to $50 simply for signing on the internet.
• Switch and Save Discount – Some car insurance companies give discounts for signing up before your current expiration date. You may see this discount when you get auto insurance quotes online.
• Active Service Discounts – Being deployed with a military unit could trigger a small discount.
• Payment Discounts – By paying your policy upfront rather than spreading payments over time you could save 5% or more.

It’s important to understand that some credits don’t apply to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. Just because you may think it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

A list of car insurance companies and some of the discounts can be read below.

• State Farm offers premium reductions for defensive driving training, multiple autos, driver’s education, safe vehicle, multiple policy, and Steer Clear safe driver discount.
• Liberty Mutual may have discounts that include multi-policy, safety features, multi-car, good student, and new graduate.
• American Family policyholders can earn discounts including multi-vehicle, TimeAway discount, early bird, accident-free, and air bags.
• Progressive may offer discounts for homeowner, good student, multi-policy, online signing, continuous coverage, online quote discount, and multi-vehicle.
• Farmers Insurance has savings for electronic funds transfer, teen driver, bundle discounts, youthful driver, and multi-car.
• Auto-Owners Insurance has discounts for student away at school, anti-lock brakes, mature driver, paid in full, multiple vehicles, teen driver, and good student.
• SAFECO may include discounts for anti-lock brakes, multi-car, teen safety rewards, homeowner, bundle discounts, drive less, and teen safe driver.

When comparing rates, check with every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered everywhere. To locate providers that offer discounts, follow this link.

Do I just need basic coverages?

When buying proper insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions can aid in determining whether or not you would benefit from professional advice.

• Where can I get insurance after a DUI in my state?
• Am I better off with higher deductibles on my 2005 Mercury Sable?
• Are there companies who specialize in insuring high-risk drivers?
• What can I do if my company won’t pay a claim?
• Can I rent a car in Mexico?
• What exactly is covered by my policy?
• Is there coverage for injuries to my pets?
• Can I afford to buy a different vehicle if my 2005 Mercury Sable is totaled?
• Will filing a claim cost me more?
• Can I drive in Mexico and have coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

Auto insurance policy coverages for a Mercury Sable

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages found on the average auto insurance policy.

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, colliding with another moving vehicle, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Mercury Sable.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverages – This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, hitting a bird, a tree branch falling on your vehicle, a broken windshield and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability – Liability insurance provides protection from damage that occurs to a person or their property that is your fault. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims such as structural damage, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments – Med pay and PIP coverage kick in for expenses such as pain medications, nursing services, hospital visits and X-ray expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

In any little way, save everyday

Budget-friendly insurance is available on the web and from local agencies, and you need to price shop both so you have a total pricing picture. Some insurance companies may not provide the ability to get quotes online and usually these small, regional companies provide coverage only through independent insurance agencies.

As you restructure your insurance plan, it’s not a good idea to skimp on coverage in order to save money. Too many times, an insured cut uninsured motorist or liability limits to discover at claim time they didn’t have enough coverage. Your goal is to get the best coverage possible for the lowest cost while not skimping on critical coverages.

Helpful resources

• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Auto Insurance 101 (About.com)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Older Driver Statistics (Insurance Information Insitute)