1994 Mercury Sable Insurance Quotes – 5 Tips to Save

Trying to find lower car insurance rates for your Mercury Sable? Searching for low-cost insurance for a Mercury Sable could be difficult, but you can learn the following methods to save time. There are both good and bad ways to shop for car insurance so we’re going to tell you the proper way to compare rates on a Mercury and obtain the cheapest rates either online or from local insurance agents.

How to Compare Car Insurance

Comparing car insurance rates can take hours if you don’t know the most efficient way. You could spend your day driving to local insurance agents in your area, or you could use online quoting to get rates in a matter of minutes.

Most car insurance companies belong to a marketplace where prospective buyers send in one quote, and each company returns a competitive quote determined by their information. This system prevents you from having to do repetitive form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to pricing coverage this way is that you can’t choose the providers you want to price. So if you prefer to pick specific providers to receive pricing from, we put together a list of the cheapest car insurance companies in your area. Click here to view list.

However you get your quotes, make darn sure you compare the exact same quote information for every company. If the quotes have mixed coverages it will be impossible to determine which rate is truly the best.

Lower rates by qualifying for these five discounts

Companies offering auto insurance do not list every discount very well, so the following is a list of some of the more common and also the lesser-known ways to save on insurance. If you don’t get every credit available, you’re just leaving money on the table.

  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you could save 5% or more.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less on Sable insurance than less cautious drivers.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.

Consumers should know that most credits do not apply to the entire cost. Most cut specific coverage prices like comp or med pay. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

Insurance companies who might offer some of the above discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering how you can save money. Some discounts may not be available everywhere.

Car insurance is unique, just like you

When buying adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique.

For example, these questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Should I buy only the required minimum liability coverage?
  • I have health insurance so do I need medical payments coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my camper covered by my car insurance policy?
  • Does having multiple vehicles earn me a discount?
  • Is my babysitter covered when using my vehicle?
  • When can I cancel my policy?
  • Will my insurance pay for OEM parts?
  • Do all my vehicles need collision coverage?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Do drivers who switch really save?

Consumers can’t get away from ads for the lowest price auto insurance from companies such as State Farm, GEICO and Progressive. All the ads make an identical promise about savings if you switch your policy.

How can each company make the same claim? It’s all in the numbers.

All companies can use profiling for the right customer they prefer to insure. A good example of a desirable insured might be profiled as between 30 and 50, owns a home, and drives less than 10,000 miles a year. A driver who meets those qualifications will get very good rates and therefore will save a lot of money.

Drivers who don’t measure up to these standards will have to pay higher prices and this can result in business going elsewhere. The ads state “drivers who switch” but not “drivers who get quotes” save money. That’s the way insurance companies can confidently make the claims of big savings. Because of the profiling, you absolutely need to get a wide range of price quotes. It’s impossible to know which company will provide you with the cheapest Mercury Sable insurance rates.

Information about specific coverages

Understanding the coverages of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Coverage for liability

This provides protection from damage that occurs to people or other property in an accident. 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 a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like repair costs for stationary objects, funeral expenses, emergency aid, medical expenses and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for collisions

Collision insurance will pay to fix damage to your Sable resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, rolling your car and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive car insurance

This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from flooding, damage from a tornado or hurricane, a tree branch falling on your vehicle, fire damage and vandalism. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as prosthetic devices, rehabilitation expenses, surgery, doctor visits and dental work. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Knowledge is power

Cheap 1994 Mercury Sable insurance is attainable from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

We covered many ways to save on insurance. The key concept to understand is the more you quote, the better your comparison will be. Drivers may discover the biggest savings come from a lesser-known regional company.

Insureds who switch companies do it for many reasons like extreme rates for teen drivers, being labeled a high risk driver, high rates after DUI convictions or even lack of trust in their agent. It doesn’t matter what your reason, switching auto insurance companies can be pretty painless.

Additional detailed information can be read by following these links: