Cheaper 1991 Mercury Sable Insurance Rates

Trying to find lower insurance coverage rates for your Mercury Sable? Are you kicking yourself for buying an underperforming, overpriced insurance coverage policy? It’s quite common and many drivers feel the same as you. There are many insurance companies to buy insurance from, and though it is a good thing to have a choice, so many choices can make it hard to compare rates and cut insurance costs.

How to buy auto insurance online

Comparing auto insurance rates can be challenging if you don’t understand the easiest way. You could spend your day discussing policy coverages with local insurance agents in your area, or you could use online quoting to get rate comparisons in just a few minutes.

Most of the larger companies belong to a marketplace where prospective buyers submit one quote, and every company then returns a price quote based on that information. This system prevents you from having to do quote forms for each company.

To participate in this free quote system, click here (opens in new window).

The only downside to getting quotes like this is you are unable to specify which insurance companies to get quotes from. So if you prefer to pick specific providers to receive pricing from, we have a listing of companies who write auto insurance in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just ensure you are comparing identical coverage limits and deductibles for each quote you get. If you enter higher or lower deductibles you will not be able to make an equal comparison.

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Do I need special coverages?

When it comes to choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique and your policy should reflect that. These are some specific questions might help in determining whether you might need professional guidance.

  • Is my teen driver covered when they drive my company car?
  • Will my rates increase for filing one claim?
  • Why do I need rental car insurance?
  • Am I covered if I hit a deer?
  • How many claims can I have before being cancelled?
  • When should I buy a commercial auto policy?
  • Do I need motorclub coverage?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Car insurance coverages for a Mercury Sable

Understanding the coverages of a auto insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on most auto insurance policies.

Collision protection

Collision coverage will pay to fix damage to your Sable from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as driving through your garage door, backing into a parked car, crashing into a building and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, hitting a deer, damage from a tornado or hurricane and vandalism. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like EMT expenses, X-ray expenses, funeral costs and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Coverage for liability

Liability insurance can cover damage or injury you incur to people or other property that is your fault. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as medical expenses, bail bonds, repair costs for stationary objects, legal defense fees and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

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