Lower Your 1993 Mercury Capri Insurance Quotes

Want cheaper auto insurance rates? Drivers have a choice when trying to find affordable Mercury Capri insurance. You can either spend your time calling around getting price quotes or use the internet to compare rates.

There are more efficient ways to shop for auto insurance and you need to know the proper way to quote coverages on a Mercury and find the lowest possible price from both online companies and local agents.

Discounts mean cheaper 1993 Mercury Capri insurance rates

Insuring your vehicles can cost a lot, but there could be available discounts that you may not know about. Most are applied when you quote, but less common discounts must be specially asked for prior to getting the savings. If you don’t get every credit available, you are throwing money away.

  • Life Insurance Discount – Larger companies have better rates if you take out life insurance.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • Homeowners Pay Less – Simply owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Defensive Driver – Taking a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on Capri coverage than less cautious drivers.
  • Early Switch Discount – Some companies give discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Sign Online – A few companies may give you up to $50 for buying a policy and signing up online.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Most cut the price of certain insurance coverages like medical payments or collision. Just because it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous. But any discount will cut the amount you have to pay.

Companies who might offer these money-saving discounts include:

Before buying, ask each insurance company how you can save money. Some discounts might not be offered in every state.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • Do all my vehicles need collision coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my ex-spouse still covered by my policy?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t get away from ads for car insurance savings by State Farm and Allstate. All the ads say the same thing that you can save after switching to their company.

How does each company make almost identical claims?

Different companies can use profiling for the driver they prefer to insure. For example, a profitable customer could be a mature driver, owns a home, and has a short commute. A propective insured who meets those qualifications receives the best rates and most likely will cut their rates substantially.

Consumers who don’t qualify for the requirements will have to pay higher rates which leads to business not being written. The ads say “drivers who switch” not “everyone that quotes” save that kind of money. That is how insurance companies can claim big savings.

Because of the profiling, drivers should get as many quotes as possible. It’s impossible to know the company that will provide you with the cheapest Mercury Capri insurance rates.

Insurance coverage basics

Knowing the specifics of insurance helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as nursing services, X-ray expenses, pain medications and EMT expenses. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Auto liability insurance

This protects you from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as attorney fees, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your 1993 Mercury Capri.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Collision insurance

This pays for damage to your Capri resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, vandalism and hitting a deer. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Keep this in mind

Insureds who switch companies do it for a number of reasons such as not issuing a premium refund, policy cancellation, an unsatisfactory settlement offer and denial of a claim. No matter why you want to switch, switching companies is easier than you think.

Cheaper 1993 Mercury Capri insurance can be purchased on the web and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. A few companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.

As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, someone dropped full coverage only to find out that it was a big mistake. Your aim should be to buy a smart amount of coverage at an affordable rate.

More detailed insurance coverage information is available in the articles below: