1998 Mercury Sable Car Insurance Quotes – 9 Tips to Save

Looking for better insurance rates for your Mercury Sable? Buying lower priced insurance is problematic for drivers new to comparing rates and buying insurance on the internet. Since there are so many companies, how can drivers even start to compare every company in order to find better insurance prices?

It’s important to shop coverage around on a regular basis due to the fact that insurance prices are constantly changing. If you had the lowest price for Sable insurance last year you will most likely find a better rate quote today. There are lots of tips to save on insurance online, but we’re going to give you some solid techniques on how to quit paying high insurance rates.

Choosing the best insurance company for you is not that difficult. Just about anyone who shops for car insurance most likely will be able to find better rates. Although vehicle owners do need to know the methods companies use to sell insurance online.

Find hidden discounts to get affordable car insurance rates

The price of auto insurance can be rather high, but there may be some discounts that can help lower your rates. Some of these disounts will be visible when you complete an application, but a few need to be requested specifically prior to receiving the credit.

  • Defensive Driver Discounts – Taking a course that instructs on driving safety may get you a small discount and make you a better driver.
  • Driving Data Discount – Drivers who agree to allow their car insurance company to track vehicle usage by using a telematics device such as State Farm’s In-Drive might see lower rates if they show good driving skills.
  • Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts could see savings of up to 25% or more.
  • Homeowners Savings – Simply owning a home may trigger a policy discount on car insurance because maintaining a house is proof that your finances are in order.
  • College Student Discount – who are enrolled in a college that is more than 100 miles from home and leave their car at home may be able to be covered for less.
  • Employee of Federal Government – Having worked for a branch of the government can save as much as 8% for Sable insurance with a few car insurance companies.
  • No Charge for an Accident – This isn’t a discount exactly, but a handful of insurance companies will forgive one accident without getting socked with a rate hike so long as you are claim-free for a specific time period.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and earn discounts up to 10% off your insurance coverage quote.
  • Life Insurance – Larger insurance companies have lower rates if you buy life insurance from them.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like you could get a free car insurance policy, nobody gets a free ride. But all discounts will cut your car insurance premiums.

To find providers with the best discounts, follow this link.

How much does auto insurance cost?

The are a couple different ways to compare rate quotes from different companies. The easiest way to find cheaper 1998 Mercury Sable rates is to get quotes online. It is quite easy and can be accomplished in a couple minutes as outlined below.

  1. The fastest and easiest way to get quotes for comparison is a comparison rater form click here to open form in new window. This quick form prevents you from having to do a different quote for each price estimate. Completing one form gets rate comparisons from auto insurance companies with the best prices. This is by far the quickest method.
  2. Another way to obtain and compare quotes online consists of visiting each company website to complete their respective quote request forms. For example, we’ll assume you are doing a rate comparison from State Farm, Allstate and Farmers. To get each rate you have to go to each individual site and enter your information, and that explains why we recommend the first method.

    For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but compare exactly the same coverage limits and deductibles for every company. If you use higher or lower deductibles it will be nearly impossible to determine which rate is truly the best. Even a minor difference in limits may cause a big price difference. Just remember that comparing more rates from different companies will improve the odds of getting more affordable insurance.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique.

These are some specific questions could help you determine if your situation may require specific advice.

  • Am I covered if I hit a deer?
  • Am I covered if I drive in a foreign country?
  • Does my 1998 Mercury Sable need full coverage?
  • What is covered by UM/UIM coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Does coverage extend to my business vehicle?
  • How high should my medical payments coverage be?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form.

Misconceptions in car insurance advertisements

Big name companies like Allstate, GEICO and Progressive seem to constantly run ads on TV and radio. All the companies make an identical promise that you’ll save big just by moving your car insurance coverage to their company. How can each company make the same claim? It’s all in the wording.

Many companies have a preferred profile for the type of driver that will most likely be profitable. For instance, a driver they prefer could possibly be over the age of 45, has a clear driving record, and drives a lower-performance vehicle. Any driver who matches that profile gets the lowest auto insurance rates and will probably save money with a new company.

Potential insureds who are not a match for the “perfect” profile may be required to pay a higher rate and the customer buying from a different company. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” save the amount stated. This is how insurance companies can claim big savings. Each company has different criteria, so you need to compare many company’s premium rates. It is impossible to guess the company that will provide you with the cheapest auto insurance rates.

Insurance coverages 101

Knowing the specifics of your insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability coverages

This coverage provides protection from damage that occurs to other people or property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as bail bonds, repair bills for other people’s vehicles, pain and suffering and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, damage from a tornado or hurricane, hitting a deer, theft and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for expenses for things like hospital visits, ambulance fees, surgery and doctor visits. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Coverage for collisions

This coverage pays for damage to your Sable resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with another moving vehicle, rolling your car, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Shop around and save

When getting insurance coverage quotes online, you should never skimp on critical coverages to save a buck or two. In too many instances, an insured cut uninsured motorist or liability limits and learned later that the savings was not a smart move. Your aim should be to buy a smart amount of coverage for the lowest price.

People switch companies for a variety of reasons including not issuing a premium refund, delays in paying claims, policy cancellation or even policy non-renewal. It doesn’t matter why you want to switch switching car insurance companies can be less work than you think.

Lower-priced car insurance is definitely available both online and from local insurance agents, so you should compare both to have the best selection. A few companies don’t offer rates over the internet and most of the time these small, regional companies prefer to sell through local independent agents.

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