1991 Mercury Capri Car Insurance Quotes – 8 Tips for Cheapest Rates

Locating cheaper insurance for a Mercury Capri can be a lot of work, but you can use these tips and make it easy. There is a better way to compare insurance rates so you’re going to learn the absolute fastest way to quote coverages for a Mercury and get the best price possible from local insurance agents and online providers.

If you have a policy now or need a new policy, you can use these techniques to shop for the lowest rates while maintaining coverages. Pricing cheaper protection is simple if you know the tricks. Consumers only need to know the proper way to buy insurance coverage online.

Car Insurance Prices Online

Finding a lower price on 1991 Mercury Capri insurance is surprisingly easy. Just take a couple of minutes to compare rate quotes online with multiple companies. This can be accomplished in a couple of different ways.

  1. The single most time-saving way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do separate quote forms for every car insurance company. Filling out one form will get you rate comparisons direct from many companies.It’s the quickest way to get rates.
  2. A more time consuming way to get comparison quotes is going to the website of each company to complete their respective quote request forms. For examples sake, we’ll assume you want to compare Nationwide, Farmers and Liberty Mutual. To get each rate you have to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but ensure you are comparing the exact same deductibles and coverage limits with every price quote. If you enter different liability limits then you won’t be able to determine the lowest rate for your Mercury Capri.

Best discounts on Mercury Capri coverage

Auto insurance companies don’t always list all available discounts very clearly, so we break down both the well known and also the lesser-known discounts you could be receiving. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Own a Home – Being a homeowner can save you money because owning a home is proof that your finances are in order.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Auto/Home Discount – When you have multiple policies with one company you may save 10% to 20% off each policy.
  • Club Memberships – Belonging to a civic or occupational organization may earn a discount when shopping for insurance coverage for Capri coverage.
  • Passive Restraints – Factory air bags can receive discounts up to 30%.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Student in College – Children who live away from home without a vehicle on campus can receive lower rates.

It’s important to note that most discount credits are not given to the entire cost. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, it doesn’t quite work that way.

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

Tailor your coverage to you

When choosing adequate coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether your personal situation might need an agent’s assistance.

  • When should I drop full coverage on my 1991 Mercury Capri?
  • What is an SR-22 filing?
  • Can I get a multi-policy discount?
  • When would I need additional glass coverage?
  • Why do I need rental car insurance?
  • Can I rent a car in Mexico?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • What vehicles should carry emergency assistance coverage?
  • Are all vehicle passengers covered by medical payments coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverages for a Mercury Capri

Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Collision coverage protection

This coverage will pay to fix damage to your Capri from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, scraping a guard rail, crashing into a ditch, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills for EMT expenses, chiropractic care, hospital visits, pain medications and surgery. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a deer, rock chips in glass, theft and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.


This provides protection from damage that occurs to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like medical expenses, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Mercury Capri.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Buy Smart and Save

The cheapest 1991 Mercury Capri insurance can be purchased both online in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies do not provide online quoting and most of the time these small, regional companies sell through independent agents.

Consumers switch companies for many reasons like extreme rates for teen drivers, unfair underwriting practices, delays in responding to claim requests and policy non-renewal. It doesn’t matter what your reason, finding a new company is not as difficult as it may seem.

While you’re price shopping online, you should never reduce needed coverages to save money. There are many occasions where an insured dropped collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at the best price.

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