Cheaper 2007 Mercury Montego Insurance Cost

Searching for better insurance rates? Consumers have a choice when looking for the best price on Mercury Montego insurance. They can either waste time calling around to get rate comparisons or use the internet to find the lowest rates.

There are both good and bad ways to shop for insurance so you’re going to learn the proper way to get price quotes for your Mercury and find the best price possible either online or from local insurance agents.

You should take the time to do price comparisons at least once a year due to the fact that insurance rates change regularly. Despite the fact that you may have had the best rate for Montego coverage two years ago a different company probably has better prices today. Block out anything you think you know about insurance because you’re going to get a crash course in the things you must know in order to lower your annual insurance bill.

Lower your insurance rates with discounts

Car insurance companies do not advertise all their discounts in an easy-to-find place, so the list below details a few of the more common as well as some of the hidden credits available to lower your premiums when you buy insurance coverage online.

  • Membership in Organizations – Affiliation with a qualifying organization is a good way to get lower rates on your next insurance statement.
  • ABS Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and earn discounts up to 10%.
  • Distant Student Discount – Any of your kids who are attending college and do not take a car to college may qualify for this discount.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle up can save 10% or more off the PIP or medical payment premium.
  • No Claim Discounts – Insureds who avoid accidents and claims pay much less as opposed to drivers who are more careless.
  • Savings for New Vehicles – Buying a new car instead of a used car is cheaper because new model year vehicles have to meet stringent safety requirements.
  • Low Mileage Discounts – Driving less could qualify for discounted premium rates on garaged vehicles.
  • Employee of Federal Government – Federal government employees may qualify for a discount when you quote insurance coverage for Montego coverage but check with your company.
  • Policy Bundle Discount – If you combine your homeowners and auto policies and place coverage with the same company you could earn a discount of up to 20% and get you inexpensive insurance coverage.
  • Telematics Discount – People who choose to allow companies to look at when and where they use their vehicle by installing a telematics device such as Progressive’s Snapshot might get better premium rates as long as the data is positive.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Some of the larger companies that may include most of the discounts above may include but are not limited to:

When getting a coverage quote, ask every insurance company which discounts you may be entitled to. Some credits may not be offered in your area.

Six things that determine your insurance costs

Consumers need to have an understanding of a few of the rating criteria that go into determining your premiums. When you understand what determines premiums, this enables you to make decisions that will entitle you to cheaper rates.

The factors shown below are just a few of the factors that factor into your prices.

  • Driving citations mean higher costs – Only having one speeding ticket or other violation can increase rates substantially. Attentive drivers tend to pay less for car insurance than bad drivers. Drivers unfortunate enough to have severe citations such as DUI, reckless driving or excessive speeding may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
  • Policy add-ons may not be needed – Policies have additional coverages that can add up when buying insurance. Coverage for things like rental car coverage, accident forgiveness, and membership fees may not be needed and are just wasting money. They may seem good when deciding what coverages you need, but your needs may have changed so remove them and pocket the money.
  • Physical damage deductibles are a factor – Deductibles for physical damage tell how much you are willing to pay if a claim is determined to be covered. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some coverage claims could be colliding with a stationary object, damage caused by hail, and having a roll-over accident. The more you pay before a claim is paid (deductible), the less your company will charge you for insurance for Montego coverage.
  • Liability coverage risk factors in – Your insurance policy’s liability coverage will protect you in the event that you are found to be at fault for damages caused by your negligence. Your policy’s liability insurance provides you with a defense in court to attempt to prove you were not liable. This coverage is relatively inexpensive compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Higher insurance rates for insurance policy lapses – Not maintaining insurance is illegal and companies may charge more for letting your insurance lapse. Not only will you pay higher rates, the inability to provide proof of insurance may earn you a fine, jail time, or a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Rates can be impacted by your occupation – Occupational choices like real estate brokers, architects and dentists tend to pay the highest rates attributed to intense work requirements and lots of time spent at work. Conversely, occupations such as scientists, engineers and performers get better rates for Montego coverage.

You are unique and your insurance should be too

When buying the best insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that may help you determine if you might need an agent’s assistance.

  • Do I have coverage when pulling a U-Haul trailer?
  • Are my friends covered when driving my car?
  • Am I covered when using my vehicle for business?
  • Does my 2007 Mercury Montego qualify for pleasure use?
  • Should I buy only the required minimum liability coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered if I wreck a rental car?
  • Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, complete this form. It’s fast, free and may give you better protection.

What insurance coverages do you need?

Knowing the specifics of insurance can help you determine which coverages you need for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for EMT expenses, pain medications and doctor visits. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your 2007 Mercury Montego.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like hitting a parking meter, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Auto liability

This will cover damage that occurs to a person or their property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like attorney fees, medical services, repair bills for other people’s vehicles, bail bonds and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, damage from flooding and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Saving money makes a lot of cents

When you buy insurance coverage online, you should never skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage for the lowest cost while still protecting your assets.

You just learned some good ideas how you can shop for 2007 Mercury Montego insurance online. The most important thing to understand is the more quotes you get, the higher your chance of finding inexpensive insurance coverage. Drivers may discover the lowest prices come from some of the lesser-known companies.

Cheaper 2007 Mercury Montego insurance is available from both online companies as well as from insurance agents, and you need to comparison shop both to have the best rate selection. Some auto insurance companies do not provide the ability to get a quote online and many times these regional insurance providers prefer to sell through local independent agencies.

More tips and info about auto insurance is available by following these links:

Comments About 2007 Mercury Montego Insurance

  1. Johnathan Hammond

    I live north of Rochester, NY. I quoted with Progressive, Esurance, and Hanover for my 2007 Mercury Montego and I think I am saving around $30 each month.

  2. Shalon Mooney

    Cheaper car insurance is a myth. Got a quote with Erie for my Mercury and saved around $110 a year. Good multi-policy discounts.

  3. Oren Harmon

    I’m looking for cheaper coverage. I live in Jersey City, NJ. Got rates from Hanover, Amica, Sentry, and a couple others for my 2007 Mercury Montego and I’m now saving $42 a month. Was with Allstate.

  4. Tiffani Reynolds

    It all costs too much. Live in the eastern part of Springfield, Massachusetts. Received quotes with State Farm, Erie, and Hanover for my Montego and I’m now saving $56 a month. A clean driving record helps. They have free quotes online.

  5. Chin Macias

    Located in Billings, MT. Got quotes with Allstate, AAA, and some I forget for my Mercury and saved about $530 a year. Was with Encompass. I just quoted rates online.

  6. Andre Hughes

    In Juneau, AK, Allstate is a good choice. I’m a pretty low risk driver. Highly recommended.

  7. Cathi Keith

    I switched to Allstate. Quoted good rates in Providence, Rhode Island. Insured with Hartford before. Just waiting to see how claims go.

  8. Sean Olsen

    I’m in the west part of Wichita, Kansas. I don’t recall every quote but I ended up saving about $30 each month. Insured with Allstate before. Got better coverage too.

  9. Stefany Macias

    I got decent rates for a 2007 Mercury Montego in Grand Rapids, MI. Ended up at darn near $410 every six months with American Family. Thankfully I’m not a high risk driver.

  10. Yanira Vaughan

    If you have a good history and live near Grand Rapids, Michigan, check out GEICO. They seem to be cheaper. I get a discount for insuring multiple vehicles. It never hurts to quote around.

  11. Tisha Sharpe

    All companies are crooks. Checking in from Salem, OR. I got free quotes from GEICO, AAA, and Erie for my Mercury and saved just over $90 a year. I get lower rates because of my clean driving record. Not sure if rates are cheaper online or not.

  12. Margeret Sutton

    Checking in from New Haven, CT. Don’t remember every company but I ended up saving about $20 each month. I have a teen driver too. Not sure if rates are cheaper online or through an agent.

  13. Shea Roth

    From west side of Miami, FL. Quoted with Travelers, Auto-Owners, Hartford, and Mercury for my 2007 Mercury Montego and I’m now saving $26 a month. Insured with Mercury before. I used their website to get prices.

  14. Yan Sullivan

    Does Illinois have minimum liability requirements?

  15. Cheree Lowery

    I live in a small town just outside of North Charleston, South Carolina. Got car insurance quotes from AIG Insurance, MetLife, and Western Auto Insurance for my Mercury and saved $446 a year. BTW speeding tickets are not good.