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Mercury Monterey Insurance Rates

You have lots of choices when insurance shopping for your Mercury vehicle. You can either contact an agent or price shop online to compare pricing from companies. Shopping for auto insurance by quoting online is simple to do and at the same time you can save money.

Comparing auto insurance rates direct online is challenging if you have never used online quotes. But don't be discouraged because it's actually quite easy. Cutting your Monterey insurance cost is a fairly straight forward process. Drivers just need to take a couple of minutes getting comparison quotes online with multiple companies. This is very easy and can be done by visiting this page.

What influences your insurance rates?

Car insurance premiums on a Mercury Monterey can vary widely subject to many criteria. Taken into consideration are:

  • More performance equals higher cost
  • Any accidents you may have
  • Whether you insure your home with the same company
  • Pleasure use vs. commuting use
  • Special coverage such as replacement cost
  • Your claim history
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

An additional factor that will help determine Monterey insurance rates is the year of the vehicle. A newer vehicle have a higher replacement value than older models so the payout to repair can inflate annual premiums. But new Mercury models may have safety features including all-wheel drive, a rollover prevention system, and adaptive headlights which can provide discounts that lower premiums.

To get more specific information about how much rates will be for your vehicle, select the year of your Monterey from available model years below.

Liability coverages - Monterey liability coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision - Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your Monterey can be pricey, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages - This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage - This gives you protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage.

How Much are Mercury Monterey Insurance Rates?