How Much Does 2006 Mercury Montego Insurance Cost?

Locating budget-priced insurance coverage may be somewhat intimidating for vehicle owners that are relatively new to comparing and buying insurance coverage over the internet. When there are so many companies competing online, how are vehicle owners able to have a chance to compare every possible option in order to find lower insurance coverage premiums?

Smart consumers take time to compare prices at least once a year since insurance prices change regularly. Just because you had the lowest rate for Montego insurance a couple years back the chances are good that you can find a lower premium rate today. Block out anything you think you know about insurance coverage because we’re going to demonstrate the easiest way to eliminate unnecessary coverages and save money.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. The purpose of this post is to let you in on the best way to quote coverages and some tricks to saving. But vehicle owners can benefit by having an understanding of how companies market on the web and use this information to your advantage.

How to get car insurance quotes

To find the best car insurance prices, there are several ways to get quotes from companies that offer car insurance in your state. The recommended way to comparison shop is to get quotes online. This is quite simple and can be completed in a couple of different ways.

• One of the simplest ways consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This type of form eliminates the need for separate quotes for every company. A single, simple form gets coverage cost estimates from all major companies. Recommended for those who want to invest the least amount of time.
• A more difficult way to analyze rates is going to the website of each company and fill out a new quote form. For example, let’s assume you want to see prices from Nationwide, Progressive and GEICO. You would be required to navigate to each company’s site to input your insurance information, which can get rather old. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just try to keep equivalent coverage data on every quote you get. If you enter unequal deductibles or liability limits then you won’t be able to find the best deal for your Mercury Montego. Having just a slight variation in limits could throw off the whole comparison. Just remember that comparing a large number of companies will increase your chances of finding a better price. Not every company allows you to get prices over the internet, so it’s recommended that you also compare price estimates from those companies as well.

When in doubt talk to an agent

When it comes to buying the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique.

For example, these questions could help you determine whether you would benefit from an agent’s advice.

• Will I lose any money if I cancel my policy before it expires?
• How high should my medical payments coverage be?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Does my insurance cover my expensive audio equipment?
• Do I have newly-aquired coverage?
• Will my rates increase for filing one claim?
• Exactly who is provided coverage by my policy?
• Should I drop comprehensive coverage on older vehicles?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Detailed coverages of your insurance policy

Understanding the coverages of insurance aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, damage from flooding, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance – Med pay and PIP coverage pay for expenses such as X-ray expenses, pain medications, EMT expenses, nursing services and chiropractic care. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision – Collision coverage covers damage to your Montego 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 protects against things such as scraping a guard rail, crashing into a ditch, rolling your car and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Liability auto insurance – This protects you from damage or injury you incur to people or other property. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as structural damage, medical services, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

UM/UIM Coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Mercury Montego.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these limits are set the same as your liablity limits.