View 2002 Mercury Sable Car Insurance Quotes

Searching for better car insurance rates for your Mercury Sable? Scraping up a payment for overpriced Mercury Sable insurance can drain your bank account and put the squeeze on your family’s finances. Comparing price quotes is free and is an excellent way to slash your bill and have more diposable income.

Because there are so many insurance providers from which to choose, it can be diffult for consumers to find the lowest cost provider.

Finding affordable coverage is easy if you know what you’re doing. In a nutshell, every driver who carries insurance stands a good chance to be able to find better rates. Although drivers do need to learn how the larger insurance companies compete online and take advantage of how the system works.

Cut your auto insurance rates with discounts

Companies offering auto insurance do not list all their discounts very well, so we researched some of the more common and also the lesser-known ways to save on auto insurance.

  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts could save 15% off the personal injury premium cost.
  • E-sign – A handful of insurance companies will give a small break for buying a policy and signing up on their website.
  • No Accidents – Claim-free drivers pay less compared to drivers who are more careless.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up before your current policy expires. The savings is around 10%.
  • Multiple Cars – Buying insurance for all your vehicles on the same auto insurance policy could earn a price break for each car.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you’re out of luck.

For a list of companies who offer auto insurance discounts, click here.

Compare Car Insurance Today

Shopping for lower car insurance rates can be exhausting if you don’t utilize the most efficient way. You can spend countless hours talking to agents in your area, or you could use the internet to get prices fast.

Most of the best insurance companies participate in a marketplace that allows shoppers to only type in their quote data once, and every company then returns a price quote based on that data. This eliminates the need for quotation requests to each individual car insurance company.

To fill out one form to compare multiple rates now click to open in new window.

One minor caviat to getting quotes like this is you are unable to specify which insurance companies you want pricing from. If you wish to select specific insurance companies to receive pricing from, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

Whichever method you choose, compare identical information on every quote. If you compare different limits and deductibles on each one it will be next to impossible to find the best deal for your Mercury Sable. Quoting even small variations in coverages may result in a large different in cost. It’s important to know that comparing a large number of companies will enable you to find lower pricing.

You are unique and your insurance should be too

When it comes to choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can aid in determining if your situation may require specific advice.

  • Am I missing any policy discounts?
  • Can I afford to buy a different vehicle if my 2002 Mercury Sable is totaled?
  • Is pleasure use cheaper than using my 2002 Mercury Sable to commute?
  • Does my insurance cover my expensive audio equipment?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my personal policy cover me when driving out-of-state?
  • When should I buy a commercial auto policy?
  • Should I drop comprehensive coverage on older vehicles?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.

Parts of your insurance policy

Having a good grasp of your insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like fire damage, vandalism, damage from flooding, a tree branch falling on your vehicle and falling objects. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision protection

This coverage pays for damage to your Sable resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like damaging your car on a curb, scraping a guard rail, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Liability coverage

Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as repair bills for other people’s vehicles, bail bonds, repair costs for stationary objects, legal defense fees and medical expenses. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses like nursing services, chiropractic care and surgery. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

One last thing about your coverage

You just learned many ideas to shop for 2002 Mercury Sable insurance online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with an unexpected company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

When shopping online for auto insurance, never buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. The proper strategy is to buy enough coverage at the best price, not the least amount of coverage.

Much more information about auto insurance can be found at these links: