Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Buyers have options when searching for low-cost Mercury Milan Hybrid insurance. You can either spend your time contacting agents to get rate comparisons or leverage the internet to find the lowest rates. There is a right way and a wrong way to shop for insurance coverage so we’re going to tell you the quickest way to compare rates for your Mercury and get the lowest possible price.

It’s a good idea to compare premium rates as often as possible due to the fact that insurance prices trend upward over time. Despite the fact that you may have had the best quotes on Milan Hybrid coverage two years ago other companies may now be cheaper. Ignore everything you know about insurance coverage because you’re going to learn how to use the internet to save on insurance coverage.

The quickest method to compare insurance rates from multiple companies utilizes the fact most of the bigger providers provide online access to provide you with a free rate quote. The only thing you need to do is provide a small amount of information including whether you are married, your education level, how many miles driven, and if your license is active. That rating information is instantly sent to multiple top-rated companies and you will get price comparisons immediately.

To compare rates now, click here and enter the information requested.

Truth in auto insurance advertising

Consumers can’t get away from ads that claim the lowest car insurance rates by companies like Allstate and Progressive. They all advertise the message that people will save if you switch your coverage to them.

How does every auto insurance company charge you less for car insurance? This is how they do it.

Companies have specific characteristics for the right customer they prefer to insure. An example of a profitable insured could possibly be between the ages of 30 and 50, has a clear driving record, and drives less than 7,500 miles a year. Anybody who fits that profile is entitled to the best price and as a result will probably save quite a bit of money when switching.

Insureds who fall outside the requirements will get higher prices and the customer buying from a different company. The ads say “drivers that switch” not “everyone who quotes” save that much money. That’s why companies can truthfully advertise the way they do. Because every company is different, it is so important to get price quotes at each policy renewal. It’s just too difficult to predict which insurance companies will give you lower car insurance rates than your current company.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Discounts for lower-cost car insurance quotes

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be specifically requested in order for you to get them.

  • Active Military Service – Having a family member in the military can result in better prices.
  • No Claims – Claim-free drivers pay less when compared with insureds who have frequent claims or accidents.
  • Telematics Data Discounts – Insureds who allow data collection to monitor driving manner by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they show good driving skills.
  • Drivers Ed for Students – Teen drivers should take driver’s ed class in high school.
  • Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy a life insurance policy as well.

Drivers should understand that many deductions do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like all the discounts add up to a free policy, it’s just not the way it works. Any amount of discount will help lower your policy premium.

Auto insurance companies that may include some of the above discounts include:

It’s a good idea to ask all companies you are considering which credits you are entitled to. Some of the earlier mentioned discounts may not apply in your area. To view car insurance companies that offer discounts, follow this link.

You may need specialized car insurance coverage

When it comes to choosing the best car insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions can help discover whether your personal situation will benefit from professional help.

  • When should I drop full coverage on my 2011 Mercury Milan Hybrid?
  • Does medical payments coverage apply to all occupants?
  • How much liability do I need to cover my assets?
  • When can my company non-renew my policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I buy only the required minimum liability coverage?
  • Am I better off with higher deductibles on my 2011 Mercury Milan Hybrid?
  • Am I covered if I hit my neighbor’s mailbox?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Specific coverage details

Knowing the specifics of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Mercury Milan Hybrid.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for liability

Liability insurance protects you from damages or injuries you inflict on people or other property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as funeral expenses, emergency aid, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses like surgery, EMT expenses, rehabilitation expenses, doctor visits and chiropractic care. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, vandalism, rock chips in glass and fire damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Final considerations

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. There have been many cases where someone dropped liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage at the lowest possible cost.

People leave their current company for many reasons like extreme rates for teen drivers, not issuing a premium refund, poor customer service or even delays in responding to claim requests. It doesn’t matter why you want to switch finding a new auto insurance company is easier than you think.

We just covered some good ideas how to save on 2011 Mercury Milan Hybrid insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the biggest savings come from a small mutual company.

For more information, link through to the resources below: