2001 Mercury Sable Insurance Rates

Trying to find the cheapest car insurance rates for your Mercury Sable? Have you finally had enough of being strong-armed to pay high car insurance rates every month? You are no different than many other consumers.

Big companies like Allstate and Progressive constantly bombard you with TV and radio ads and consumers find it hard to avoid their marketing magic and find the best price available.

Consumers need to shop coverage around occasionally because car insurance prices fluctuate regularly. Just because you found the lowest price for Sable insurance last year you may be paying too much now. Forget anything you know (or think you know) about car insurance because I’m going to teach you how to use online quotes to remove unneeded coverages and save money.

Auto insurance rates and discounts

Companies offering auto insurance do not advertise the complete list of policy discounts in a way that’s easy to find, so the following list contains some of the best known and also the lesser-known savings tricks you should be using when you buy insurance online.

  • Home Ownership Discount – Just being a homeowner can help you save on auto insurance due to the fact that maintaining a home demonstrates responsibility.
  • Telematics Discount – Drivers who elect to allow driving data submission to look at where and when they drive by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if their driving habits are good.
  • Discount for Swiching Early – A few insurance companies allow discounts for renewing your policy prior to your current policy expiration. It can save you around 10%.
  • Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and qualify for as much as a 10% discount.
  • Federal Government Employee – Having worked for a branch of the government can save as much as 8% for Sable insurance depending on your auto insurance provider.
  • Student in College – Children living away from home attending college and leave their car at home could qualify for this discount.
  • Student Discounts – Maintaining excellent grades can earn a discount of 20% or more. The good student discount can last until age 25.
  • Drivers Ed for Students – Teen drivers should successfully complete driver’s ed class if it’s offered in school.

As is typical with insurance, most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates you can get free auto insurance, companies don’t profit that way.

A few of the larger companies and some of their more popular discounts are included below.

  • Farm Bureau offers premium reductions for safe driver, youthful driver, driver training, multi-vehicle, multi-policy, and good student.
  • MetLife offers discounts including claim-free, defensive driver, accident-free, good driver, good student, and multi-policy.
  • Progressive may have discounts that include multi-policy, online signing, continuous coverage, multi-vehicle, online quote discount, and good student.
  • AAA has discounts for multi-car, AAA membership discount, anti-theft, pay-in-full, good driver, and good student.
  • American Family may offer discounts for accident-free, good student, early bird, bundled insurance, and TimeAway discount.
  • GEICO may include discounts for driver training, multi-vehicle, defensive driver, membership and employees, and multi-policy.
  • State Farm has savings for good student, Drive Safe & Save, accident-free, defensive driving training, safe vehicle, good driver, and passive restraint.

Double check with all the companies how you can save money. Savings might not be available to policyholders in your area. If you would like to view auto insurance companies that offer many of these discounts, click this link.

How to get cheap insurance coverage

Shopping for lower insurance coverage rates can be a daunting task if you don’t utilize the fastest way to get free quotes. You can waste a few hours (or days) driving to agents in your area, or you can stay home and use the web to get rates in a matter of minutes.

The majority of car insurance companies participate in a marketplace where insurance shoppers send in one quote, and each company returns a competitive quote determined by their information. This saves time by eliminating quotation requests for each company you want a rate for.

To fill out one form to compare multiple rates now click here to start a free quote.

The single downside to using this type of system is that you can’t choose which insurance companies you want to price. If you wish to select individual companies to compare prices, we have a listing of companies who write insurance coverage in your area. Click here for list of insurance companies.

Compare rates however you want, just try to use the exact same coverages and limits for every quote you compare. If you compare unequal deductibles or liability limits it will be impossible to make a fair rate comparison. Just slight variations in insurance coverages or limits can make a big difference in price. And when comparison shopping, making a lot of price comparisons provides better odds of finding better pricing.

Situations that may require an agent’s advice

When it comes to choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might point out if your insurance needs might need professional guidance.

  • When does my teenage driver need to be added to my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need an umbrella policy?
  • Should I buy additional glass protection?
  • Do I need replacement cost coverage on my 2001 Mercury Sable?
  • Do I benefit by insuring my home with the same company?
  • Should I buy only the required minimum liability coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does coverage extend to a rental car in a foreign country?
  • When should I remove comp and collision on my 2001 Mercury Sable?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Insurance coverage breakdown

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

Coverage for collisions

Collision coverage will pay to fix damage to your Sable from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, damaging your car on a curb, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Auto liability insurance

This coverage can cover damage that occurs to a person or their property that is your fault. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like funeral expenses, pain and suffering, emergency aid and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills like funeral costs, prosthetic devices and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage

This pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, fire damage, damage from a tornado or hurricane, hitting a deer and rock chips in glass. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Mercury Sable.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Affordable insurance is out there

As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced physical damage coverage and found out when filing a claim that it was a big mistake. The proper strategy is to buy a smart amount of coverage for the lowest price and still be able to protect your assets.

Throughout this article, we presented quite a bit of information on how to compare 2001 Mercury Sable insurance premium rates online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding cheap insurance. You may be surprised to find that the most savings is with some of the lesser-known companies. Some small companies can often provide lower prices in certain areas compared to the large companies like Allstate and Progressive.

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