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Mercury Topaz Insurance Rates

Finding cheaper auto insurance by comparing rates online is simple to do, plus you can save money. The critical component is to take the time to get as many rate quotes as possible in order to have the best prices.

Finding the best direct price on auto insurance can be difficult if you have never used online quotes. But don't let that discourage you because it's actually quite easy. Finding a better price on auto insurance can be quick and easy. Consumers just need to spend a few minutes getting comparison quotes online with multiple companies. It is quite easy and can be accomplished by comparing rates here.

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Premiums are calculated by these things

Car insurance premiums for a Mercury Topaz can vary widely subject to many criteria. Including but not limited to:

  • Traffic citations increase rates
  • Credit rating
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Crash test rating for your Topaz
  • Your claim history
  • Having continuous coverage saves you money
  • Home ownership saves money

An additional factor which can affect Topaz insurance rates is the year of the vehicle. Newer models have a higher actual cash value than older models so the payout to repair can inflate annual premiums. Although new Mercury models may have safety features included like forward-collision avoidance, adaptive cruise control, and active head restraints which can lower rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Auto liability insurance - Topaz liability coverage provides protection from damage or injury you incur to other people or property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision coverages - This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Topaz collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible in order to get cheaper Topaz insurance rates.

Comprehensive insurance - Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.

How Much are Mercury Topaz Insurance Rates?