1993 Mercury Sable Insurance Cost – 7 Discounts for Cheaper Prices

Nobody that owns a car likes having to buy auto insurance, especially when their premiums are through the roof. Many car insurance companies compete for your business, and because of this it can be hard to compare car insurance companies and get the definite best rates possible.

It’s a good habit to take a look at other company’s rates before your policy renews because insurance prices are rarely the same from one policy term to another. Even if you got the lowest rates on Sable insurance on your last policy the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because you’re about to learn how to use online quotes to find better rates and still maintain coverage.

Discount insurance quotes

Companies that sell car insurance don’t always advertise every available discount very well, so we break down both the well known as well as the least known discounts you could be receiving when you buy car insurance online. If you do not double check each discount available, you could be saving more on your insurance.

  • Pay Early and Save – If paying your policy premium upfront as opposed to paying monthly you can actually save on your bill.
  • Bundle and Save – If you combine your homeowners and auto policies with one company you will save up to 20% and get you low cost car insurance.
  • Savings for New Vehicles – Putting insurance coverage on a new car may earn a small discount due to better safety requirements for new model year vehicles.
  • Early Switch Discount – A few companies offer discounts for switching companies prior to the expiration date on your current policy. The savings is around 10%.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save 10% or more on medical payment and PIP coverage.
  • Driving Data Discount – Policyholders that allow their insurance company to look at their driving habits by using a telematic data system such as State Farm’s In-Drive may see discounts if they are good drivers.
  • Theft Deterent System – Cars and trucks that have factory anti-theft systems are stolen with less frequency and can earn a small discount on your policy.

It’s important to understand that some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky. Any qualifying discounts should help reduce the cost of your policy.

A few popular companies and their possible discounts include:

  • GEICO offers discounts for air bags, anti-theft, anti-lock brakes, daytime running lights, membership and employees, multi-policy, and five-year accident-free.
  • MetLife may include discounts for defensive driver, good student, claim-free, accident-free, good driver, multi-policy
  • Progressive offers premium reductions for continuous coverage, multi-policy, homeowner, good student, online quote discount, and multi-vehicle.
  • Travelers discounts include multi-car, hybrid/electric vehicle, save driver, good student, continuous insurance, student away at school, and home ownership.
  • SAFECO has discounts for anti-lock brakes, drive less, bundle discounts, homeowner, teen safety rewards, and teen safe driver.
  • AAA may have discounts that include multi-car, education and occupation, good student, anti-theft, multi-policy, and good driver.

Before you buy a policy, ask every prospective company how many discounts you can get. Some of the discounts discussed earlier might not be offered in your state. If you would like to choose from a list of providers with significant discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage, there really is not a best way to insure your cars. Each situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight if you might need professional guidance.

  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does insurance cover damages from a DUI accident?
  • Should I have a commercial auto policy?
  • Should I buy additional glass protection?
  • Where can I get insurance after a DUI in my state?
  • Am I better off with higher deductibles on my 1993 Mercury Sable?
  • If my 1993 Mercury Sable is totaled, can I afford another vehicle?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Insurance buyers beware

Drivers can’t get away from all the ads that promise big savings for switching from the likes of Progressive, Allstate and GEICO. They all seem to advertise claims about saving some big amount if you switch to their company.

How does each company give you a lower rate? This is how they do it.

All the different companies require specific criteria for the type of driver that will add to their bottom line. For instance, this type of risk profile may be between the ages of 30 and 45, has a low-risk occupation, and drives a safe vehicle. A propective insured who matches those parameters will get low premium rates and therefore will save if they switch.

People who fall short of the ideal profile may be required to pay a higher rate and ends up with the customer not buying. Company advertisements say “customers who switch” not “everyone that quotes” save money. This is how insurance companies can confidently make claims like that. Because each company has a different risk profile, you absolutely need to get as many free car insurance quotes as possible. It is impossible to guess which insurance companies will give you lower prices than your current company.

Coverage specifics

Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, damage from getting keyed and vandalism. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Mercury Sable.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Auto liability insurance – This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that means you have $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.

Liability can pay for claims such as loss of income, court costs, bail bonds, legal defense fees and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverages – This will pay to fix damage to your Sable caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for expenses for things like prosthetic devices, rehabilitation expenses, X-ray expenses and doctor visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Coverage on a shoestring budget

Some companies do not provide the ability to get quotes online and usually these smaller providers only sell through independent agencies. Cheaper 1993 Mercury Sable insurance can be found online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money.

You just learned many ways to shop for 1993 Mercury Sable insurance online. The most important thing to understand is the more companies you get prices for, the better your chances of lowering your prices. You may even find the biggest savings come from the smaller companies. They may cover specific market segments cheaper as compared to the big name companies such as Progressive or GEICO.

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