2005 Mercury Monterey Insurance Quotes – 10 Tips for Best Rates

Want lower insurance coverage rates? Drivers have lots of choices when trying to find affordable Mercury Monterey insurance. You can either spend your time struggling with agents to get rate comparisons or save time using the internet to compare rates.

There are both good and bad ways to shop for insurance coverage and you need to know the best way to compare rates on a Mercury and locate the lowest possible price either online or from local insurance agents.

The quickest way to compare policy rates is to know the fact most insurance companies actually pay money for the chance to quote your coverage. To begin a comparison, all you need to do is take a few minutes to give details including whether you are single or married, driver details, whether you drive to work or school, and your education level. That rating data is then sent to many highly-rated insurers and you will get price comparisons quickly.

To compare rates now, click here and complete the quick form.

Companies offer discounts so take them!

The price of auto insurance can be rather high, but there are discounts available to help offset the cost. A few discounts will automatically apply when you quote, but less common discounts must be inquired about in order for you to get them. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Driver Safety – Successfully completing a defensive driving course can save you 5% or more if your company offers it.
  • Seat Belts Save – Requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Sign Online – A few companies may give you up to $50 for buying your policy online.
  • Clubs and Organizations – Belonging to certain professional organizations is a good way to get lower rates on your policy on Monterey insurance.
  • Homeowners Discount – Owning a home may trigger a insurance coverage policy discount because owning a home is proof that your finances are in order.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more on Monterey insurance than drivers with accident claims.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% on Monterey insurance with certain companies.
  • Resident Student – Kids in college who live away from home and do not have access to a covered vehicle may be able to be covered for less.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way. Any amount of discount will bring down your premiums.

For a list of insurance companies offering insurance coverage discounts, click here.

Do I just need basic coverages?

When it comes to buying adequate coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

These are some specific questions can aid in determining whether you might need an agent’s assistance.

  • Who is covered by my policy?
  • Should I get collision insurance on every vehicle?
  • Does coverage extend to my business vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered if I crash into my own garage door?
  • Is extra glass coverage worth it?
  • I have a DUI can I still get coverage?
  • Should I bundle my homeowners policy with my auto?
  • Are rental cars covered under my policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Car insurance 101

Understanding the coverages of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Coverage for medical expenses

Med pay and PIP coverage pay for bills for nursing services, doctor visits, pain medications, X-ray expenses and dental work. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, vandalism, theft, falling objects and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Mercury Monterey.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Auto liability

Liability coverage provides protection from injuries or damage you cause to other’s property or people. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has 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 policy 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 limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as legal defense fees, structural damage, medical services, court costs and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage protection

Collision coverage pays for damage to your Monterey resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, crashing into a ditch and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Have the Midas touch

Affordable 2005 Mercury Monterey insurance can be purchased both online and with local insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where an insured cut liability limits or collision coverage only to find out that they should have had better coverage. The ultimate goal is to find the BEST coverage at the best price while still protecting your assets.

Insureds who switch companies do it for a variety of reasons including high prices, an unsatisfactory settlement offer, questionable increases in premium and even lack of trust in their agent. No matter why you want to switch, finding the right auto insurance provider can be less work than you think.

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