1. Vehicles
  2. Mercury
  3. Monterey
  4. 2005 Model Year

2005 Mercury Monterey Insurance Rates

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

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 ...

Full Bio →

Written by

UPDATED: Mar 10, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Want better insurance coverage rates for your Mercury Monterey? Paying for high-priced Mercury Monterey insurance can take a big chunk out of your checking account and force you to make sacrifices. Doing a price comparison is a great way to cut your insurance bill.

Lots of insurers contend for your hard-earned dollar, so it’s not easy to compare every insurance company to find the absolute best rate

Comprehensive Insurance Coverage Comparison

There are several ways to shop for Mercury Monterey insurance coverage, but there is one way that is more efficient than others. You can waste hours driving to local insurance agents in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Most major companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and each participating company then gives them pricing based on the submitted data. This system prevents you from having to do form submissions for every insurance coverage company. To submit your quote information now, click here to open in new window.

The only drawback to comparing rates this way is you don’t know exactly the insurers to get pricing from. If you wish to select individual companies for rate comparison, we have assembled a list of insurance coverage companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just compare exactly the same coverage limits with every price quote. If your comparisons have different values for each quote it will be very difficult to truly determine the lowest rate. Just a small difference in limits may result in large price differences. It’s important to know that obtaining a wide range of quotes will enable you to find better pricing.

Tailor your coverage to you

When buying coverage, there is no best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.

  • What if I total my 2005 Mercury Monterey and owe more than it’s worth?
  • How much liability insurance is required?
  • Are my tools covered if they get stolen from my vehicle?
  • When should my teen driver be added to my policy?
  • What is the ISO rating for a 2005 Mercury Monterey?
  • Am I covered when driving a rental car?
  • Does car insurance cover theft of personal property?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When would I need rental car insurance?
  • Which companies will insure high-risk drivers?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Car insurance coverage options for a Mercury Monterey

Knowing the specifics of your car insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverages found on the average car insurance policy.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, fire damage, vandalism and hitting a deer. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

This coverage covers damage to your Monterey from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sustaining damage from a pot hole, colliding with another moving vehicle, hitting a parking meter, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Mercury Monterey.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability

This can cover damage that occurs to other’s property or people in an accident. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like emergency aid, funeral expenses, repair costs for stationary objects, medical expenses and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses like prosthetic devices, X-ray expenses and nursing services. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

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.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles