View 1997 Mercury Sable Insurance Cost

Looking for the cheapest auto insurance rates for your Mercury Sable? Are you sick and tired of scraping the payment together to insure your Mercury every month? You are no different than most other car owners.

Popular companies such as Geico, Progressive and Allstate all claim big savings with catchy ads and it is difficult to see through the deception and do the work needed to find the best deal.

It’s a good idea to price shop coverage yearly because prices tend to go up over time. If you had the best price for Sable insurance last year you can probably find a lower rate today. Starting now, forget anything you know (or think you know) about auto insurance because I’m going to teach you the best methods to remove unneeded coverages and save money.

If you currently have car insurance, you stand a good chance to be able to save some money using this information. Finding affordable coverage is not rocket science. But vehicle owners should learn the methods companies use to price online insurance and use this information to your advantage.

How to Get Car Insurance

To find the best car insurance prices, there are several ways of comparing rates from local car insurance companies. By far the easiest way to find the cheapest 1997 Mercury Sable insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished using a couple different methods.

  • One of the simplest ways to get the best comparison quotes is a comparison rater form click here to open form in new window. This easy form saves time by eliminating separate quotation requests for every car insurance company. A single, simple form will return quotes from multiple low-cost companies.
  • A less efficient way to analyze rates requires visiting the website of each company to request a price quote. For sake of this example, we’ll pretend you want to compare rates from Nationwide, Liberty Mutual and Farmers. To get rate quotes you would need to visit each site to enter your coverage information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare the exact same deductibles and coverage limits for every company. If your comparisons have higher or lower deductibles you will not be able to make an equal comparison. Quoting even small variations in coverage limits can result in a big premium difference. Keep in mind that having more price comparisons will enable you to find the best offered rates.

Are you getting all your discounts?

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be asked about in order for you to get them.

  • Organization Discounts – Belonging to a professional or civic organization is a good way to get lower rates on car insurance for Sable insurance.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% for Sable insurance with certain companies.
  • Bundle and Save – When you combine your home and auto insurance with one company you may save up to 20% off your total premium.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts when compared to bad drivers.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, companies don’t profit that way. But any discount will reduce your premiums.

Companies that may offer these discounts include:

Check with each insurance company which discounts they offer. Some discounts might not apply in your state.

When might I need an agent?

When it comes to buying coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions might point out whether or not you could use an agent’s help.

  • Are there companies who specialize in insuring high-risk drivers?
  • When would I need rental car insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I bundle my homeowners policy with my auto?
  • How many claims can I have before being cancelled?
  • Should I get collision insurance on every vehicle?
  • Does my policy cover my teen driver if they drive my company car?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Factors influencing Mercury Sable insurance rates

An important part of buying insurance is that you know some of the elements that help determine the price you pay for car insurance. Understanding what impacts premium levels helps enable you to make changes that may reward you with lower car insurance prices.

  • The more you drive the more you pay – Driving more miles every year the higher your rates will be. Almost all companies apply a rate based on how the vehicle is used. Vehicles not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Sable may be wasting your money. Ask your agent if your car insurance coverage is showing the proper vehicle usage.
  • Where you reside plays a part – Choosing to live in less populated areas is a positive aspect when talking about car insurance. Urban drivers regularly have more traffic problems and a longer drive to work. Fewer people means fewer accidents and also fewer theft and vandalism claims.
  • Safer cars cost less to insure – Vehicles with good safety scores can get you lower premiums. These vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Mercury Sable earned at least four stars on or an “acceptable” rating on you are probably receiving a discount.
  • A clean driving record saves money – Your driving citation history impacts your car insurance rates tremendously. Careful drivers have lower premiums than their less careful counterparts. Just one moving violation can boost insurance rates by twenty percent. Drivers who have dangerous citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.

How can Geico, State Farm and Progressive save drivers who switch?

Companies like Geico, State Farm and Progressive consistently run ads in print and on television. All the ads have a common claim that you can save if you change your coverage to them. But how can every company make almost identical claims? This is how they do it.

Insurance companies are able to cherry pick for the type of driver that makes them money. For instance, a preferred risk could possibly be between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. Any new insured that hits that “sweet spot” receives the best rates and most likely will save when switching.

Potential insureds who don’t meet the “perfect” profile will have to pay higher rates which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone that quotes” save that kind of money. That’s why companies can truthfully advertise the savings.

Because of the profiling, you should get quotes from several different companies. It’s impossible to know the company that will give you the biggest savings on Mercury Sable insurance.

Insurance coverage basics

Knowing the specifics of insurance can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Mercury Sable.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are set the same as your liablity limits.

Collision protection

Collision coverage pays for damage to your Sable caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a building, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from flooding, a broken windshield, rock chips in glass, damage from getting keyed and theft. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for short-term medical expenses for things like chiropractic care, pain medications and dental work. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto liability

Liability insurance will cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as emergency aid, medical expenses, funeral expenses and loss of income. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Shop Smart and Save

We just showed you many tips how you can compare 1997 Mercury Sable insurance prices online. The most important thing to understand is the more price quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from the least-expected company. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and Geico.

Low-cost insurance is attainable both online and with local insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

Much more information about car insurance can be found below: