Cheap 2003 Mercury Sable Insurance Quotes

Having to pay for overpriced car insurance can take a big chunk out of your savings account and make it impossible to make ends meet. Comparing price quotes is free and is an excellent way to lower your monthly bill. Drivers have so many auto insurance companies to insure vehicles with, and although it’s a good thing to have a selection, lots of choices makes it harder to adequately compare rates.

How to Compare Insurance Costs

Finding cheaper 2003 Mercury Sable insurance prices is surprisingly easy. You just have to take a few minutes getting comparison quotes online from several insurance companies. This can be done in just a few minutes using one of these methods.

  1. The fastest way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This form saves time by eliminating separate quote forms for each company you want a rate for. Completing one form gets you coverage quotes from several companies.
  2. Another way to find lower rates is going to each company’s website to complete their respective quote request forms. For example, let’s say you want to compare rates from State Farm, Liberty Mutual and American Family. To get rate quotes you would need to visit each site and enter your information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  3. The most time-consuming way of getting rate comparisons is to spend time driving to local insurance agencies. Shopping for insurance online eliminates the need for an insurance agent unless you require the professional guidance of a local agent. However, consumers can comparison shop online and still use a local agent and we’ll cover that in a bit.

However you get your quotes, make darn sure you compare identical information with each company. If you compare different liability limits it will be impossible to truly determine the lowest rate.

Auto insurance myths debunked

Consumers can’t get away from ads for car insurance savings by companies like State Farm, Allstate and GEICO. All the ads make an identical promise that you’ll save big if you move to them.

But how can every company make almost identical claims?

All companies have a certain “appetite” for the type of customer that is profitable for them. For example, a profitable customer could be between 30 and 50, has no prior claims, and has excellent credit. A customer who fits that profile will qualify for the lowest rates and therefore will save quite a bit of money when switching.

Consumers who fall outside these standards will have to pay a more expensive rate which usually ends up with business going elsewhere. The ad wording is “drivers who switch” not “people who quote” save that kind of money. That is how insurance companies can confidently make the claims of big savings. Because of the profiling, you need to get quotes from several different companies. You cannot predict the company that will provide you with the cheapest Mercury Sable insurance rates.

Verify you’re getting all your discounts

Car insurance companies don’t list every discount very well, so we break down both the well known and the more hidden ways to save on insurance. If you don’t get every credit possible, you’re just leaving money on the table.

  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Auto/Life Discount – Some companies give a break if you buy auto and life insurance together.
  • Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current expiration date. It can save you around 10%.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you will save 10% to 20% off each policy.
  • Student in College – Any of your kids living away from home attending college and do not have a car can be insured at a reduced rate.
  • Accident Forgiveness – A few companies allow you one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same insurance policy may reduce the rate for each vehicle.
  • No Accidents – Good drivers with no accidents can save substantially when compared to accident-prone drivers.

It’s important to note that most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, insurance companies aren’t that generous.

Companies that may offer some of the above discounts are:

Double check with each company how you can save money. Savings might not apply in your state.

When should I talk to an agent?

When it comes to buying the right insurance coverage, there is no cookie cutter policy. Everyone’s needs are different so your insurance should reflect that For instance, these questions could help you determine if you could use an agent’s help.

  • Are rock chip repairs covered?
  • When should my teen driver be added to my policy?
  • What if I total my 2003 Mercury Sable and owe more than it’s worth?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does liability extend to a camper or trailer?
  • How much liability do I need to cover my assets?
  • I have health insurance so do I need medical payments coverage?
  • Is pleasure use cheaper than using my 2003 Mercury Sable to commute?
  • Does my car insurance cover rental cars?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Auto insurance coverage basics

Having a good grasp of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most auto insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists 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.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses for surgery, ambulance fees, X-ray expenses and nursing services. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, a broken windshield, falling objects, rock chips in glass and hitting a bird. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance

Liability coverage will cover damage that occurs to other’s property or people in an accident. It protects you against other people’s claims. Liability doesn’t 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 might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like pain and suffering, funeral expenses, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Auto collision coverage

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

Collision insurance covers claims like colliding with a tree, hitting a parking meter, colliding with another moving vehicle, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Best coverage at the best price

When you buy insurance online, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped liability coverage limits and discovered at claim time that they should have had better coverage. The aim is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

We’ve covered many ideas to shop for 2003 Mercury Sable insurance online. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the best price on insurance is with some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as Progressive or GEICO.

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