Searching for cheaper insurance for a Mercury Sable can turn out to be difficult, but you can learn the following methods to find lower rates.
There are more efficient ways to find auto insurance online so we’re going to tell you the quickest way to quote coverages on a Mercury and get the lowest price from both online companies and local agents.
Quick Auto Insurance Quotes
There are several ways to compare rate quotes from local auto insurance companies. The best way to compare insurance prices consists of shopping online. This can be accomplished in just a few minutes using one of these methods.
- Probably the best way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This type of form eliminates the need for repetitive form submissions for every auto insurance company. A single, simple form gets rate comparisons from auto insurance companies with the best prices. It’s definitely the quickest method.
- A more time consuming way to compare rate quotes is going to the website for each individual company and complete a new quote form. For example, we’ll assume you want comparison quotes from Farmers, GEICO and Allstate. You would have to take the time to go to each 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.
- The most time-consuming method to get comparison rates is to drive around to and from local insurance agencies. The internet has reduced the need for local agents unless you have a need for the personal advice of a licensed agent. You can, however, compare the best prices online and still use a local agent and we’ll cover that in a bit.
It’s up to you how you get prices quotes, just be sure to compare the exact same coverages with every price quote. If the quotes have different deductibles then you won’t be able to determine the lowest rate for your Mercury Sable. Slightly different limits can mean a large discrepancy in price. And when quoting auto insurance, remember that more quotes helps locate better pricing.
Be sure to get all your discounts
Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that many people don’t even know exist. Some trigger automatically when you quote, but less common discounts must be specially asked for before being credited.
- Multiple Policy Discount – If you insure your home and vehicles with one company you will save at least 10% off all policies.
- Good Student – Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.
- Accident Waiver – Some insurance companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a set time period.
- No Accidents – Drivers with accident-free driving histories can earn big discounts as compared to frequent claim filers.
- Low Mileage – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
It’s important to note that some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way. But all discounts will reduce your overall premium however.
For a list of providers who offer auto insurance discounts, click this link.
Comparing rates from local agents
Some consumers just want to visit with an insurance agent and that is a personal choice. The best thing about comparing insurance prices online is you may find lower rates but still work with a licensed agent. Buying from local businesses is especially important in smaller communities.
To make it easy to find an agent, after completing this simple form, the coverage information is emailed to companies who will return price quotes for your business. You won’t need to drive around since price quotes are sent directly to your email. How cool is that?! You’ll get the best rates and work with a local agent.
To select a specific agent in your state, click here.
Picking an insurer needs to be determined by more than just a cheap price. Here are some questions to ask:
- How long has their agency been in business?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Are there any discounts that you might be missing?
- Is working in the agency their full-time job?
- What insurance companies do they work with?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Which members of your family are coverage by the policy?
After getting answers to your satisfaction to your questions in addition to an acceptable price estimate, most likely you have located an insurer that meets your needs to properly service your auto insurance policy.
Quote more, save more
Insureds change insurance companies for a number of reasons such as delays in responding to claim requests, lack of trust in their agent, not issuing a premium refund and policy cancellation. It doesn’t matter why you want to switch finding a great new company is not as difficult as it may seem.
As you prepare to switch companies, do not sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed full coverage only to regret that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at an affordable rate while still protecting your assets.
We’ve covered many ideas to shop for Mercury Sable insurance online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Consumers may even find the lowest priced auto insurance comes from a small local company.
