2001 Mercury Sable Insurance Quotes – 8 Tips to Save

Trying to come up with a payment for overpriced car insurance can draw down your accounts and require stricter spending habits. Doing a price comparison is a smart way to ensure you are getting the best deal.

Companies like Progressive, GEICO and Farmers Insurance continually bombard you with catchy ads and it is challenging if not impossible to ignore the promise of big savings and do the work needed to find the best deal.

Free insurance price quotes

Most major insurance companies such as Progressive, GEICO, Allstate and State Farm give prices for coverage from their websites. Getting online rates is possible for anyone as you simply type in the coverages you want as requested by the quote form. After you submit the form their system automatically retrieves your credit score and driving record and gives you a price quote based on these and other factors. Being able to quote online makes it easy to compare insurance prices but the time required to go to different websites and fill out multiple forms gets old quite quickly. But it’s necessary to perform this step if you want to find better prices.

Compare rates the easy way

The easiest way to find better insurance pricing uses one simple form to obtain quotes from several different companies. This type of form saves time, requires much less work on your part, and makes online price comparison much more enjoyable and efficient. As soon as you send your information, it is rated and you are able to buy any of the resulting price quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. It takes 15 minutes at the most and may save quite a bit of money.

To compare pricing, click here to open in new window and enter your information. If you have a policy now, it’s recommended you input the limits and deductibles identical to your current policy. Doing this assures you’re receiving a fair comparison using the exact same coverages.

Auto insurance discounts help reduce rates

Auto insurance is not inexpensive, but you may qualify for discounts that you may not even be aware of. Certain reductions will be credited when you purchase, but a few must be manually applied before being credited.

  • Senior Citizen Rates – Drivers that qualify as senior citizens can possibly qualify for reduced rates on Sable coverage.
  • Driver Training Discounts – Taking a safe driver course could save 5% or more and also improve your driving technique.
  • Bundled Policy Discount – When you combine your homeowners and auto insurance with the same insurance company you will save as much as 10 to 15 percent.
  • Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of more than 20%.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Telematics Data – Drivers who agree to allow companies to spy on driving habits by installing a telematics device like Allstate’s Drivewise may see discounts if their driving habits are good.
  • College Student – Older children who attend college more than 100 miles from home and leave their car at home can be insured at a reduced rate.
  • Responsible Driver Discounts – Insureds without accidents can pay as much as 50% less on Sable coverage than drivers with accident claims.

As a sidenote, most discount credits are not given the the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

To choose auto insurance companies that provide some of the discounts listed above, click this link.

Which is the best auto insurance?

When buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help you determine if your situation would benefit from an agent’s advice.

  • Is my teen driver covered when they drive my company car?
  • Can I get a multi-policy discount?
  • Am I covered when driving a rental car?
  • What is high-risk coverage and where do I buy it?
  • Should I have combined single limit or split liability limits?
  • Are my friends covered when driving my car?

If you can’t answer these questions but a few of them apply, you might consider 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 can help protect your family.

Car insurance 101

Understanding the coverages of your policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on the average car insurance policy.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like fire damage, damage from a tornado or hurricane, damage from flooding, hail damage and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability car insurance

Liability coverage will cover damage or injury you incur to people or other property. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers things such as bail bonds, structural damage and funeral expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Coverage for collisions

This coverage will pay to fix damage to your Sable resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 2001 Mercury Sable.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense insurance

Coverage for medical payments and/or PIP pay for expenses such as ambulance fees, rehabilitation expenses and doctor visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Don’t be a big spender

We just presented some good ideas how you can shop for 2001 Mercury Sable insurance online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a smaller regional carrier. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

More affordable insurance coverage is available from both online companies as well as from independent agents, so get free car insurance quotes from both of them so you have a total pricing picture. Some insurance coverage companies may not have online rate quotes and most of the time these small, regional companies work with independent agents.

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