1996 Mercury Sable Car Insurance Quotes – 7 Policy Discounts

Trying to find better insurance coverage rates for your Mercury Sable? Searching for affordable insurance coverage on the internet can be problematic for people who are new to comparing rates online. With a ridiculous number of insurers available, how can anyone even start to compare every one to find the best pricing?

It’s a good idea to compare prices before your policy renews because insurance rates trend upward over time. Even if you got the lowest price for Sable coverage two years ago you can probably find a better price now. Starting now, forget all the misinformation about insurance coverage because you’re going to get a crash course in the right way to find lower rates on insurance coverage.

Don’t overlook these seven discounts

Car insurance companies don’t list every available discount in a way that’s easy to find, so we researched both the well known and also the lesser-known discounts you could be receiving.

  • Own a Home – Simply owning a home may trigger a car insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Auto/Life Discount – Larger companies have a break if you buy auto and life insurance together.
  • Low Mileage – Fewer annual miles on your Mercury could qualify for better rates on cars that stay parked.
  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Sable coverage than their less cautious counterparts.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% for Sable coverage with select insurance companies.
  • Seat Belt Usage – Drivers who require all occupants to use their safety belts could save 15% off your PIP or medical payments premium.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, you’re out of luck.

For a list of insurance companies who offer car insurance discounts, follow this link.

How to Compare Insurance

The are a couple different ways to compare quotes and find the best price. One of the best ways to find the cheapest 1996 Mercury Sable insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished in several different ways.

  1. The most efficient way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing boring form submissions for each company. One quote request will return quotes from all major companies. This is by far the quickest method.
  2. A slightly less efficient method to obtain and compare quotes online requires visiting the website for each individual company to request a price quote. For example, let’s say you want comparison quotes from Liberty Mutual, Progressive and American Family. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  3. The hardest way to compare rates is driving around to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you require the professional guidance of a local agent. Drivers can price shop your coverage online and get advice from an agent in your area.

It doesn’t matter which method you choose, just double check that you are using exactly the same coverages for every quote you compare. If you are comparing differing limits it’s not possible to find the best deal for your Mercury Sable. Slightly different coverage limits can result in a big premium difference. And when price shopping your coverage, getting more free quotes provides better odds of finding a lower rate.

Is my situation unique?

When choosing coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if your insurance needs will benefit from professional help.

  • Should I file a claim if it’s only slightly more than my deductible?
  • What if I owe more than I can insure my car for?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered when driving someone else’s vehicle?
  • I have a DUI can I still get coverage?
  • How high should my medical payments coverage be?
  • Where can I find high-risk insurance?
  • Am I covered when using my vehicle for business?
  • Does coverage extend to Mexico or Canada?
  • Can my teen driver be rated on a liability-only vehicle?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Learn about insurance coverages for a Mercury Sable

Knowing the specifics of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision – Collision insurance covers damage to your Sable resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, scraping a guard rail, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Mercury Sable.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for immediate expenses for things like hospital visits, nursing services, funeral costs and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as theft, hail damage, fire damage and vandalism. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage – Liability insurance will cover damage that occurs to other’s property or people by causing an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things like medical services, medical expenses, emergency aid, funeral expenses and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Be a smart shopper

Affordable 1996 Mercury Sable insurance is definitely available from both online companies and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. A few companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. In many instances, an insured dropped physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at the best price.

People change insurance companies for a variety of reasons including delays in responding to claim requests, policy non-renewal, denial of a claim and extreme rates for teen drivers. It doesn’t matter what your reason, switching insurance coverage companies can be less work than you think.

Much more information about insurance coverage can be found below: