1991 Mercury Sable Insurance Quotes – 7 Savings Tips

Looking for better car insurance rates for your Mercury Sable? Scraping up a payment for overpriced Mercury Sable insurance can take a big chunk out of your savings account and put the squeeze on your family’s finances. Doing a price comparison is free and is an excellent way to slash your bill and have more diposable income. You have multiple car insurance companies to buy insurance from, and even though it’s nice to have a choice, having more insurers makes it harder to find the lowest rates.

Cheap Insurance Coverage Comparisons

Finding a lower price on 1991 Mercury Sable insurance can be surprisingly simple. Drivers just need to take the time getting comparison quotes online from several insurance companies. This is very easy and can be done in several different ways.

  1. One of the simplest ways to find low rates would be an industry-wide quote request form like this one (opens in new window). This type of form keeps you from doing boring form submissions for every insurance coverage company. Taking the time to complete one form gets you coverage quotes instantly.
  2. A different way to compare rate quotes is spending the time to visit each individual company website and request a quote. For example, we’ll assume you want to compare State Farm, Safeco and GMAC. To find out each rate you need to go to every website and enter your policy data, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
  3. The least recommended method of getting rate comparisons is to spend your day driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you require the trained guidance only provided by licensed agents. However, consumers can get prices online but still have the advice of a local agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just be sure to compare the exact same information with each company. If each company quotes differing limits it’s impossible to make a fair comparison for your Mercury Sable.

Save on Mercury Sable insurance

Insuring your fleet can be pricey, but there could be available discounts that many people don’t even know exist. Certain discounts will be applied at the time of purchase, but a few need to be asked about before you get the savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Homeowners Savings – Simply owning a home can help you save on auto insurance because maintaining a house demonstrates responsibility.
  • Multi-policy Discount – If you have multiple policies with one company you may save approximately 10% to 15%.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20% or more.
  • Paperwork-free – Certain companies will give a small break for buying your policy digitally online.
  • Good Student – Getting good grades can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance.

Drivers should understand that most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way. But any discount will cut your overall premium however.

For a list of insurance companies who offer auto insurance discounts, click this link.

Tailor your coverage to you

When it comes to buying adequate coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining whether you would benefit from an agent’s advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • At what point should I drop full coverage?
  • What exactly is covered by my policy?
  • Am I covered when driving a rental car?
  • Are split liability limits better than a combined single limit?
  • Am I covered when driving on a suspended license?
  • Is rental equipment covered for theft or damage?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Insurance policy specifics

Learning about specific coverages of insurance aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Collision protection

Collision coverage covers damage to your Sable from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like rolling your car, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability auto insurance

This coverage provides protection from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as pain and suffering, attorney fees, structural damage and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Mercury Sable.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like pain medications, funeral costs, hospital visits, nursing services and EMT expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a deer, a broken windshield, theft and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Shop Smart and Save

Affordable 1991 Mercury Sable insurance can be bought online and also from your neighborhood agents, and you need to price shop both to have the best rate selection. A few companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. In many instances, someone sacrificed liability coverage limits and discovered at claim time they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage at the best price, not the least amount of coverage.

We just presented a lot of tips how to reduce insurance prices online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may even find the lowest priced car insurance comes from a small local company. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

More tips and info about car insurance is available at these sites: