Lower Your 2009 Mercury Sable Insurance Cost

Paying for expensive Mercury Sable insurance can deplete your checking account and make it tough to pay other bills. Doing a rate analysis can help to tighten up your finances.

Having so many online and local companies to choose from, it can be challenging to locate a more affordable company.

First Step: Get free auto insurance quotes

When looking for cheap auto insurance quotes, there are a couple ways to compare rate quotes from many available auto insurance companies in your state. The best way to find competitive Mercury Sable insurance rates is to use the internet to compare rates. This can be done in a couple minutes as outlined below.

The easiest and least time consuming way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This type of form saves time by eliminating separate quotation requests for each price estimate. One quote request will return price quotes from multiple low-cost companies.

A slightly less efficient method to find better pricing is to take the time to go to each company’s website and repeat the quote process again and again. For sake of this example, we’ll assume you want to compare Progressive, Liberty Mutual and State Farm. To get each rate you have to spend time going to each site individually to input your insurance information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using nearly identical coverage data for each comparison quote. If your comparisons have different limits and deductibles on each one it will be impossible to determine which rate is truly the best. Just a small difference in insurance coverages can result in a big premium difference. Just keep in mind that comparing more rates from different companies helps locate more affordable insurance.

Cut your car insurance rates with discounts

Car insurance companies don’t necessarily list their entire list of discounts in a way that’s easy to find, so the following is a list of some of the more common as well as some of the hidden discounts that may be available.

• Claim Free – Drivers with accident-free driving histories pay less as compared to frequent claim filers.
• Homeowners Pay Less – Just being a homeowner can save you money due to the fact that maintaining a home means you have a higher level of financial diligence.
• Active Service Discounts – Being on active deployment in the military could trigger a small discount.
• Sign Online – Certain insurance companies will provide an incentive shop auto insurance on your computer.
• Senior Citizens – Mature drivers can possibly qualify for reduced rates on Sable insurance.
• Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents so you can save 10 percent or more.

While discounts sound great, it’s important to understand that some credits don’t apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, it’s just not the way it works. Any qualifying discounts will definitely reduce the cost of your policy.

A list of car insurance companies and a partial list of their discounts are included below.

• Farm Bureau offers premium reductions for driver training, good student, safe driver, multi-policy, multi-vehicle, and renewal discount.
• MetLife policyholders can earn discounts including multi-policy, good driver, good student, claim-free, accident-free, defensive driver
• Progressive offers discounts for online quote discount, homeowner, good student, multi-policy, and continuous coverage.
• AAA discounts include good student, education and occupation, multi-policy, AAA membership discount, anti-theft, and pay-in-full.
• American Family offers discounts including air bags, mySafetyValet, good driver, bundled insurance, and early bird.
• Geico has discounts for air bags, good student, anti-theft, multi-policy, membership and employees, anti-lock brakes, and defensive driver.
• State Farm may offer discounts for anti-theft, good driver, Steer Clear safe driver discount, accident-free, and passive restraint.

Before buying, ask all companies you are considering which credits you are entitled to. Depending on the company, some discounts may not apply to policies in your state. To view insurance companies with significant discounts, follow this link.

You are unique and your car insurance should be too

When it comes to buying coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether or not you would benefit from professional advice.

• Am I covered if I break a side mirror?
• Does my car insurance cover rental cars?
• I have good health insurance, so how much medical payments coverage do I need?
• Does my policy cover my teen driver if they drive my company car?
• Are rock chip repairs covered?
• What can I do if my company denied a claim?
• I have a DUI can I still get coverage?
• Do I have coverage when using my vehicle for my home business?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Insurance coverages 101

Understanding the coverages of a insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

Collision insurance

Collision coverage pays for damage to your Sable resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with another moving vehicle, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like surgery, rehabilitation expenses and EMT expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

This provides protection from damage that occurs to people or other property. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as medical services, emergency aid, attorney fees, legal defense fees and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from flooding, fire damage and theft. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.