2008 Mercury Milan Car Insurance Rates

Searching for better car insurance rates for your Mercury Milan? Pricey Mercury Milan insurance can stress out your accounts and make it hard to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill.

You have multiple insurers to buy insurance from, and although it’s nice to have multiple companies, lots of choices makes it harder to compare rates and find the lowest cost car insurance.

How much is car insurance?

All major car insurance companies give coverage price quotes from their websites. Getting online rates can be done by anyone as you simply type in into the quote form. After the form is submitted, their quoting system will order your driving record and credit report and gives you a price quote based on the data you entered. Online price quotes makes it a lot easier to compare rates but the time required to go to different websites and type in the same information gets old quite quickly. But it’s very important to get many rate quotes in order to find the lowest car insurance rates.

There is a better way!

The quickest way to find better car insurance pricing makes use of a single form that gets prices from several different companies. The form is fast, eliminates repetitive work, and makes online price comparison much more enjoyable and efficient. After your information is entered, it is rated and you can select any of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. This process takes less than 15 minutes and may save quite a bit of money.

To find out how much you’re overpaying now, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you copy identical to your current policy. This way, you will receive rate comparison quotes based on the exact same insurance coverage.

Is there truth in advertising?

Consumers can’t get away from all the ads that promise big savings for switching from the likes of Progressive, Geico, Allstate and State Farm. They all seem to make the promise that drivers can save some big amount if you move to their company.

How is it possible that every company can give you a better price? It’s all in the wording.

Insurance providers have specific characteristics for the type of driver that will be a good risk. For instance, a desirable insured might be over the age of 50, has few claims, and drives less than 10,000 miles a year. Any customer that fits those parameters will get low premium rates and therefore will save quite a bit of money when switching.

Potential customers who fall outside this stringent profile will probably have to pay higher rates and ends up with business not being written. If you pay attention, the ads say “people that switch” but not “all drivers who get quotes” save that much. That’s why insurance companies can confidently advertise the way they do. This really emphasizes why drivers should do a rate comparison at every renewal. It is impossible to guess which insurance companies will have the best premium rates.

Educated choices result in lower insurance premiums

When buying insurance it’s important to understand the rating factors that help calculate insurance rates. If you understand what influences your rates, this empowers consumers to make smart changes that can help you get big savings.

• Multiple policies with one company – Most larger companies allow lower prices for people that purchase more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be 10 percent or more. If you currently are using one company, it’s still a good idea to check prices from other companies to ensure the best deal.
• Males tend to take more risk – Over time, data shows that females take fewer risks when driving. However, this does not mean females are better at driving than males. Both genders cause accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Not only that, but men also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
• Job impacts prices – Jobs like fire fighterspolice officers and medical professionals have the highest average rates attributed to high stress and lengthy work days. Conversely, professions such as farmers, athletes and retirees pay lower than average rates for Milan coverage.
• Lower premiums for cars with good safety ratings – Vehicles with good safety scores cost less to insure. Vehicles built for safety help reduce the chance of injuries in an accident and fewer serious injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Mercury has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
• Discounts for married drivers – Having a significant other actually saves money on your insurance policy. Marriage usually means you are less irresponsible and statistics prove drivers who are married file infrequent claims.

Auto insurance discounts are available to cut your rates

Companies don’t necessarily list all disounts in an easy-to-find place, so we break down some of the more common as well as the least known discounts you could be receiving when you buy auto insurance online.

• Government Employees – Being employed by or retired from a federal job could provide a small rate reduction for Milan coverage with a few auto insurance companies.
• Telematics Data Discounts – People who choose to allow their company to track driving patterns remotely like Allstate’s Drivewise may get a rate reduction if they exhibit good driving behavior.
• Passive Restraints – Vehicles equipped with air bags or motorized seat belts could see savings as much as 30%.
• Claim-Free Discount – Good drivers with no accidents pay less in comparison with frequent claim filers.
• Early Payment Discounts – By making one initial payment rather than paying in monthly installments you could save up to 5%.
• Membership in Organizations – Belonging to qualifying employment or professional organizations could trigger savings when shopping for auto insurance.
• Homeowners Pay Less – Just owning your own home may earn you a small savings since owning and maintaining a home is proof that your finances are in order.
• Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks with one company can get a discount on all vehicles.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, it’s just not the way it works.

The best auto insurance companies and some of their more popular discounts can be read below.

• State Farm offers discounts for driver’s education, good driver, safe vehicle, accident-free, and passive restraint.
• Progressive has savings for multi-policy, homeowner, multi-vehicle, good student, and online quote discount.
• Progressive may have discounts that include online quote discount, homeowner, continuous coverage, multi-policy, good student, and multi-vehicle.
• MetLife has discounts for accident-free, multi-policy, claim-free, good student, defensive driver, and good driver.
• Farm Bureau includes discounts for driver training, safe driver, multi-vehicle, renewal discount, 55 and retired, and multi-policy.
• Geico discounts include military active duty, driver training, emergency military deployment, anti-lock brakes, good student, membership and employees, and anti-theft.
• SAFECO policyholders can earn discounts including teen safety rewards, anti-theft, multi-car, anti-lock brakes, accident prevention training, and homeowner.

When comparing rates, check with each insurance company what discounts are available to you. Depending on the company, some discounts may not apply to policies in your area. If you would like to view companies that have a full spectrum of discounts, click here to view.

Everyone needs different insurance coverages

When buying the best insurance coverage, there is no one size fits all plan. Each situation is unique and your policy should reflect that. For instance, these questions may help highlight if your situation will benefit from professional help.

• Should I buy only the required minimum liability coverage?
• Does my liability insurance cover pulling a trailer or camper?
• When should my teen driver be added to my policy?
• Do all my vehicles need collision coverage?
• Am I covered if I hit a deer?
• Can I get a multi-policy discount?
• What is the difference between comprehensive and collision coverage?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

What car insurance coverages do you need?

Understanding the coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average car insurance policy.

Liability

This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like emergency aid, pain and suffering, funeral expenses and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

Collision coverage will pay to fix damage to your Milan resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with another moving vehicle, backing into a parked car, sustaining damage from a pot hole, hitting a parking meter and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for ambulance fees, X-ray expenses, doctor visits and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, a broken windshield and hitting a bird. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Mercury Milan.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Knowledge is power

As you quote auto insurance, make sure you don’t buy poor coverage just to save money. In many instances, drivers have reduced liability coverage limits only to regret at claim time that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.

Lower-priced car insurance can be sourced both online and from local agencies, and you should compare rates from both to have the best chance of lowering rates. Some car insurance companies may not offer the ability to get a quote online and many times these smaller companies only sell through independent agents.

More detailed car insurance information can be read by following these links:

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Think You’re a Safe Driver? (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)
• Tread Depth and Tire Safety (State Farm)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)