How Much Does 2008 Mercury Milan Insurance Cost?

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Insurance shopping is not a chore car owners relish, but it’s a required process before the rubber hits the road.

You should take the time to compare rates every six months due to the fact that insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates on Milan insurance a couple years back the chances are good that you can find a lower rate today. There is a lot of wrong information about car insurance on the web, but we’re going to give you some tested techniques to reduce your car insurance bill.

This information will instruct you on the most effective way to quote insurance. If you currently have a car insurance policy, you should be able to cut costs considerably using this information. But vehicle owners should learn how insurance companies compete online.

Discounts are available to cut your rates

Car insurance can cost a lot, but you may find discounts that you may not know about. Some discounts apply automatically at quote time, but some must be asked for prior to getting the savings.

  • Defensive Driving Course – Taking a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Accident Forgiveness – Certain companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Drive Less and Save – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on Milan insurance than their less cautious counterparts.
  • Early Signing – Some insurance companies reward drivers for switching policies prior to your current policy expiring. This can save 10% or more.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will help reduce the amount you have to pay.

To see a list of providers offering insurance coverage discounts, follow this link.

Insurance Prices

There are multiple methods you can shop for 2008 Mercury Milan insurance but there is one way that is less time-consuming than others. You can waste a lot of time talking about coverages with agents in your area, or you could use online quotes to accomplish the same thing much quicker.

Many insurance companies participate in an industry program where prospective buyers enter their coverage request one time, and every company returns a competitive quote. This system prevents you from having to do form submissions to every company.

To participate in this free quote system, click here (opens in new window).

The one disadvantage to using this type of form is that you can’t choose the providers you want pricing from. If you prefer to choose specific insurance companies to request quotes from, we put together a list of insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just make sure you use the exact same coverages for each comparison quote. If your comparisons have different deductibles you will not be able to decipher which rate is best. Quoting even small variations in coverages can make a big difference in price. And when comparing insurance rates, know that having more price comparisons helps locate the best rates.

Why your Mercury Milan might be costing you more

It’s important that you understand the factors that play a part in calculating the price you pay for car insurance. When you know what positively or negatively determines base rates enables informed choices that could result in much lower annual insurance costs.

Shown below are a partial list of the pieces car insurance companies consider when setting premiums.

  • Better crash test results mean better rates – Vehicles with good safety scores get lower rates. The safest vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If your Mercury Milan has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Where you live is a factor – Residing in small towns and rural areas can be a good thing when talking about car insurance. Fewer drivers means a lower chance of having an accident. City drivers have much more traffic to deal with and longer commute times. More time commuting means more change of being in an accident.
  • Never let your coverage lapse – Letting your insurance expire is a quick way to increase your car insurance rates. And not only will your rates increase, but not being able to provide proof of insurance can result in a steep fine or even jail time.
  • Women pay lower rates – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. Women and men have accidents at about the same rate, but men tend to have more serious accidents. Men also get cited for more serious violations like DUI and reckless driving.
  • Pay less after the wedding – Having a wife or husband actually saves money when buying car insurance. Marriage usually means you are more mature and statistics show drivers who are married are more cautious.

Everyone needs different coverages

When it comes to choosing the right insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions may help you determine whether or not you would benefit from professional advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Does my policy cover my teen driver if they drive my company car?
  • Are my friends covered when driving my 2008 Mercury Milan?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my 2008 Mercury Milan qualify for pleasure use?
  • Is rental equipment covered for theft or damage?
  • How do I buy GAP insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my teenager covered with friends in the car?
  • Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, complete this form.

Car insurance myths debunked

Car insurance companies such as Allstate and Progressive consistently run television and radio advertisements. They all seem to make the same claim that you’ll save big if you change to them. But how can every company claim to save you money? This is how they do it.

Insurance companies have a certain “appetite” for the type of driver that is profitable for them. For instance, a preferred risk might be profiled as a mature driver, a clean driving record, and has a short commute. A customer getting a price quote who matches those parameters receives the best rates and as a result will probably save when they switch companies.

Potential insureds who don’t meet this ideal profile must pay a higher premium and this can result in the driver buying from a lower-cost company. The ads state “people who switch” not “everyone that quotes” save that much. That’s why insurance companies can confidently advertise the way they do.

This illustrates why you absolutely need to get a wide range of price quotes. It is impossible to predict which insurance companies will fit your personal profile best.

Learn about car insurance coverages for a 2008 Mercury Milan

Knowing the specifics of car insurance can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision insurance

Collision insurance will pay to fix damage to your Milan resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sideswiping another vehicle, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like chiropractic care, pain medications, hospital visits and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability auto insurance

This will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like repair bills for other people’s vehicles, legal defense fees, attorney fees, medical expenses and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Comprehensive car insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from getting keyed, damage from a tornado or hurricane, rock chips in glass, a broken windshield and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Be a money saver!

As you prepare to switch companies, never reduce needed coverages to save money. There have been many cases where an insured cut liability limits or collision coverage only to discover later they didn’t have enough coverage. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

You just learned many ways to get a better price on 2008 Mercury Milan insurance. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. You may even find the best prices are with a smaller regional carrier.

People change insurance companies for a variety of reasons including policy cancellation, an unsatisfactory settlement offer, poor customer service or lack of trust in their agent. It doesn’t matter what your reason, choosing a new company can be less work than you think.

For more information, link through to the articles below:

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