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1995 Mercury Sable Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 23, 2020

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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I can’t think of a single person who cherishes buying insurance coverage, in particular when they are paying too much.

Many insurance companies compete for your insurance dollar, so it’s not easy to compare every insurance company and get the definite lowest price

Smart consumers take time to do rate comparisons every six months because insurance rates are usually higher with each renewal. Despite the fact that you may have had the lowest rates for Sable coverage six months ago you can probably find a better price now. You can find a lot of misleading information regarding insurance coverage on the internet, so with this article, you’re going to get some excellent ideas to buy insurance coverage cheaper.

If you have car insurance now, you should be able to cut costs considerably using this information. Finding the best rates is quite easy. But car owners need to have an understanding of how insurance companies sell insurance online.

How to Compare Insurance Coverage Rates

There are a lot of ways to compare insurance coverage prices and some are less time-consuming than others. You could spend your day talking to insurance agencies in your area, or you could use the web to get pricing more quickly.

Many popular insurance companies take part in a program that enables customers to enter their policy data once, and each participating company can provide price quotes based on that information. This system prevents you from having to do quotation requests for every insurance coverage company. To get comparison pricing now click here to open in new window.

One minor caviat to pricing coverage this way is you don’t know exactly the providers you want pricing from. So if you want to choose individual companies to compare rates, we have a listing of low cost insurance coverage companies in your area. Click here for list of insurance companies.

However you get your quotes, be sure to compare the exact same coverages and limits on every quote. If the quotes have different limits and deductibles on each one then you won’t be able to determine the best price for your Mercury Sable. Quoting even small variations in limits can make a big difference in price. And when quoting insurance coverage, remember that more quotes provides better odds of finding a lower rate.

Save big with these discounts

Companies don’t list every discount in a way that’s easy to find, so the following is a list of both well-publicized and the more hidden savings tricks you should be using.

  • Multi-policy Discount – When you have multiple policies with one insurance company you will save at least 10% off all policies.
  • Accident Free – Claim-free drivers pay much less when compared to frequent claim filers.
  • Sign Early and Save – A few companies offer discounts for switching policies before your current policy expires. It can save you around 10%.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Paperwork-free – Certain companies will give a small break for buying your policy online.
  • New Car Discount – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Auto/Life Discount – Some companies give better rates if you take out life insurance.
  • Drive Less and Save – Fewer annual miles on your Mercury can earn better rates on cars that stay parked.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you’re out of luck.

For a list of insurers offering car insurance discounts, click this link.

Your Mercury Sable insurance rate is a complex equation

Consumers need to have an understanding of the different types of things that come into play when calculating your auto insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that may reward you with better auto insurance rates.

The list below includes a partial list of the pieces used by your company to calculate rates.

  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • Pleasure use or commuting – Driving more miles every year the more you’ll pay to insure your vehicle. The majority of insurers charge to insure your cars based on their usage. Vehicles used primarily for pleasure use get more affordable rates than those used for commuting. Double check that your auto insurance coverage is showing the proper vehicle usage. Incorrect usage on your Sable can result in significantly higher rates.
  • Don’t get talked into coverage you don’t need – There are many extra coverages that you can buy when buying auto insurance. Coverages like roadside assistance, towing coverage and motor club memberships are examples of these. They may seem good when you first buy your policy, but if you don’t need them get rid of them and save.
  • Your auto insurance rates can be influenced by your job – Did you know your auto insurance rates can be affected by your occupation? Occupations such as lawyers, business owners and stock brokers tend to pay the highest rates in part from high stress levels and long work hours. On the other hand, occupations such as scientists, students and homemakers have the lowest average rates for Sable coverage.

But I don’t know anything about car insurance

When it comes to buying the best insurance coverage, there is no perfect coverage plan. Every situation is different so your insurance should reflect that For instance, these questions may help you determine whether or not you would benefit from professional advice.

  • Do I need motorclub coverage?
  • What can I do if my company denied a claim?
  • How do I buy GAP insurance?
  • What is roadside assistance coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • What are the best liability limits?
  • Are my friends covered when driving my car?
  • Can I afford to buy a different vehicle if my 1995 Mercury Sable is totaled?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Do drivers who switch really save $459 a year?

Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. All the companies make an identical promise that you can save if you move your coverage to them. But how can every company make the same claim?

Different companies can use profiling for the driver that is profitable for them. For instance, a preferred risk might be profiled as between 30 and 50, a clean driving record, and has excellent credit. Any driver that hits that “sweet spot” receives the best rates and therefore will save when they switch companies.

Potential customers who don’t meet the “perfect” profile will have to pay higher prices and ends up with business going elsewhere. The ad wording is “customers who switch” not “people who quote” save that much money. This is how companies can claim big savings. Because of the profiling, you need to get as many quotes as possible. It’s not possible to predict which insurance coverage company will have the lowest Mercury Sable insurance rates.

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Car insurance coverages for a Mercury Sable

Learning about specific coverages of your insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages available from insurance companies.

Liability insurance

This protects you from injuries or damage you cause to other’s property or people. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as loss of income, court costs, pain and suffering, bail bonds and medical expenses. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, rock chips in glass and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sustaining damage from a pot hole, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Mercury Sable.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for chiropractic care, pain medications and dental work. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Save for a rainy day

Throughout this article, we presented many ideas to compare 1995 Mercury Sable insurance prices online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the best prices are with a smaller regional carrier. Smaller companies may cover specific market segments cheaper compared to the large companies like Progressive or GEICO.

When trying to cut insurance costs, make sure you don’t reduce needed coverages to save money. In too many instances, an accident victim reduced physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Additional insurance coverage information is available on the following sites:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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