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Mercury Topaz Insurance Rates

Drivers have lots of options when insurance shopping for your Mercury vehicle. You can either contact a local agent or go online to check prices from many different car insurance companies. Comparing car insurance through online rate quotes can be fast and easy, plus you might just save a little.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The easiest way to find competitive Topaz insurance cost involves getting comparison quotes online. This can be done by completing this short form.

Rates are determined by these factors

Auto insurance rates on a Mercury Topaz will vary greatly depending on several factors. Including but not limited to:

  • Higher performance Topaz vehicles cost more
  • Your accident history
  • Home and auto can earn discounts
  • Pleasure use vs. commuting use
  • Your age
  • Having a spouse can save money
  • Add-on coverages such as rental reimbursement
  • What you do for a living
  • Your coverage level
  • Home ownership saves money

A final factor that can impact Topaz insurance rates is the model year. Used vehicles have a lower value in comparison to older models so the cost to replace them may result in lower rates. On the flip side, newer models may have a trim level with safety features like an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags so those may give discounted rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Topaz from the list below.

Auto liability - This coverage protects you from damage or injury you incur to people or other property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision - This coverage pays for damage to your Mercury resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your Topaz can be pricey, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to get cheaper Topaz insurance rates.

Comprehensive auto coverage - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your Mercury Topaz comprehensive insurance. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage - Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Mercury Topaz Insurance Rates?