Lower Your 1999 Mercury Sable Insurance Rates

Did a good deal turn out to be high-priced insurance coverage? Say no more because there are many people just like you. Due to the large number of options when it comes to insurance coverage, it’s difficult to pick the cheapest insurance company.

It’s smart to quote other rates at least once a year since insurance prices are usually higher with each renewal. Just because you found the best price on Sable insurance on your last policy a different company probably has better rates today. You can find a lot of information about insurance coverage online, but we’re going to give you some good information on how to slash your insurance coverage rates.

Compare quotes for insurance

Finding a better price on insurance is a great way to save money. All that’s required is to spend a few minutes comparing price quotes online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The easiest and least time consuming way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This method saves time by eliminating a different quote for every prospective company. Completing one form gets you coverage quotes from multiple companies.

A more time consuming way to compare rate quotes is spending the time to visit the website for every company you want to comare and go through the quote process again. For sake of this example, we’ll pretend you want to get rates from Auto-Owners, Allstate and Progressive. You would have to navigate to each company’s site and punch in your information repeatedly, which is why the first method is more popular. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just ensure you’re using identical quote data for each comparison quote. If you use differing limits it’s impossible to truly determine the lowest rate.

Why your insurance premiums might be higher

Many different elements are considered when quoting car insurance. A few of the factors are predictable such as your driving history, but some are more obscure like your continuous coverage or your vehicle rating.

  • Don’t let your policy lapse – Not maintaining insurance is a misdemeanor and insurance companies will penalize you for letting your insurance lapse for non-payment. In addition to paying higher rates, getting caught without coverage may earn you a license revocation or jail time.
  • You might want pay the minor claims yourself – Insurance companies provide the best rates to people who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can expect either higher rates or even cancellation. Your car insurance is designed for the large, substantial claims.
  • Extra policy coverages that may not be needed – Insurance policies have a lot of optional add-on coverages that sound like a good idea at the time if you aren’t diligent. Add-on coverages like rental car reimbursement, accidental death, and motor club memberships are some examples. The coverages may be enticing when buying your policy, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
  • Why do you need liability protection? – Liability coverage will protect you if ever a jury decides you are liable for causing personal injury or damage in an accident. Liability insurance provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Tickets and citations cost more than a fine – Having a clean driving record has a lot to do with how much you pay for insurance. Careful drivers tend to pay less for car insurance than bad drivers. Having a single speeding ticket or other violation could increase your next policy renewal twenty percent or more. Drivers who have gotten license-revoking citations such as DUI or reckless driving are required to file a SR-22 with their state in order to prevent a license revocation.

Get affordable insurance with discounts

Insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that can dramatically reduce your bill. Certain credits will be shown at the time of purchase, but a few must be asked for in order for you to get them.

  • Paper-free Discount – Some of the larger companies may give you up to $50 shop insurance on the internet.
  • Discounts for Good Drivers – Accident-free drivers can save up to 40% or more on their insurance quote on Sable insurance as compared to drivers with claims.
  • Early Signing – Some larger companies provide a discount for renewing your policy prior to the expiration date on your current policy. This discount can save up to 10%.
  • Payment Method – If you pay your entire premium ahead of time rather than paying in monthly installments you could save up to 5%.
  • Senior Citizen Discount – If you qualify as a senior citizen, you are able to get reduced rates on Sable insurance.
  • Organization Discounts – Being in certain professional organizations can get you a small discount on your policy.
  • Savings for New Vehicles – Insuring a vehicle that is new can cost up to 25% less since new vehicles have better safety ratings.
  • Safety Course Discount – Completing a defensive driver course can save you 5% or more and make you a better driver.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Multiple Cars – Buying a policy with more than one vehicle with the same company can reduce rates for all insured vehicles.

Policy discounts save money, but some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. Just because you may think adding up those discounts means a free policy, you aren’t that lucky.

Companies and the discounts they provide include:

  • State Farm discounts include Steer Clear safe driver discount, student away at school, good driver, multiple autos, good student, safe vehicle, and passive restraint.
  • GEICO may offer discounts for military active duty, seat belt use, federal employee, five-year accident-free, membership and employees, and driver training.
  • Liberty Mutual policyholders can earn discounts including hybrid vehicle, new vehicle discount, multi-car, preferred payment discount, newly retired, and good student.
  • The Hartford offers discounts for anti-theft, bundle, vehicle fuel type, defensive driver, and air bag.
  • MetLife may have discounts that include multi-policy, accident-free, good driver, defensive driver, good student, and claim-free.
  • Progressive offers discounts including continuous coverage, multi-policy, multi-vehicle, good student, online quote discount, homeowner, and online signing.

Double check with all companies you are considering which credits you are entitled to. Savings might not be offered in your area.

Tailor your insurance coverage to you

When buying coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. For instance, these questions might help in determining whether or not you may require specific advice.

  • Can I drive in Mexico and have coverage?
  • When does my teenage driver need to be added to my policy?
  • Am I covered when pulling a rental trailer?
  • Is my custom paint covered by insurance?
  • When should I buy a commercial auto policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When should I remove comp and collision on my 1999 Mercury Sable?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this 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.

Auto insurance coverage information

Knowing the specifics of a auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from auto insurance companies.

UM/UIM Coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Mercury Sable.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, hitting a parking meter, hitting a mailbox, driving through your garage door and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Auto liability insurance

Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like court costs, bail bonds and structural damage. How much coverage you buy is up to you, but buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from 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 insurance covers things such as a broken windshield, a tree branch falling on your vehicle, falling objects and hitting a deer. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for expenses such as EMT expenses, X-ray expenses, dental work, hospital visits and ambulance fees. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Summing up your car insurance search

As you quote insurance, never buy poor coverage just to save money. There have been many cases where someone sacrificed liability limits or collision coverage only to find out that the small savings ended up costing them much more. The goal is to purchase plenty of coverage for the lowest cost while still protecting your assets.

Discount 1999 Mercury Sable insurance can be found from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies may not have rate quotes online and these small, regional companies only sell through independent agents.

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