1990 Mercury Topaz Insurance Quotes

Are you sick and tired of being strong-armed to pay your car insurance bill each month? You are in the same boat as millions of other consumers.

Drivers have multiple insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, too many choices makes it more difficult to locate the cheapest rates.

You should take the time to check auto insurance prices before your policy renews because prices change frequently. Even if you think you had the best rates on Topaz insurance last year you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re about to find out the best methods to lower your rates without sacrificing coverage.

Finding Insurance Deals

There are several ways to compare quotes from different insurance companies. The recommended way to find the lowest 1990 Mercury Topaz rates consists of shopping online. This is very easy and can be done in a couple of different ways.

  • One of the best ways to get quotes would be an industry-wide quote request form (click to open form in new window). This type of form prevents you from having to do boring form submissions for each company you want a rate for. One quote request compares rates from many national carriers.
  • A slightly less efficient method to get quotes online requires you to visit each company’s website to complete their respective quote request forms. For example, let’s say you want rates from Nationwide, Farmers and Liberty Mutual. You would have to spend time on each company’s site to input your insurance information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, ensure you’re using identical coverage limits and deductibles on every quote. If you enter differing limits you can’t possibly truly determine the lowest rate. Quoting even small variations in coverages may cause a big price difference. Just keep in mind that having more price comparisons gives you a better chance of getting the best rates.

Be sure to get all your discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts to help bring down the price. Certain discounts will be applied when you quote, but a few need to be asked about prior to receiving the credit.

  • Employee of Federal Government – Active or retired federal employment can save as much as 8% on Topaz insurance with certain companies.
  • Accident Free – Drivers who don’t have accidents can earn big discounts when compared with bad drivers.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Resident Student – Youth drivers who are attending college without a vehicle on campus can receive lower rates.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on Topaz insurance than drivers with accident claims.
  • Club Memberships – Affiliation with a qualifying organization could qualify you for a break on your policy on Topaz insurance.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.
  • Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.

Drivers should understand that many deductions do not apply to your bottom line cost. Most only cut specific coverage prices like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky. But any discount will cut your premiums.

For a list of insurance companies with discount car insurance rates, click here to view.

Factors that can influence insurance rates for a Mercury Topaz

It’s important that you understand the different types of things that go into determining insurance coverage rates. Knowing what impacts premium levels enables informed choices that will entitle you to big savings.

Listed below are a few of the “ingredients” insurance coverage companies consider when setting prices.

  • More people means more accidents – Residing in less populated areas can save you money when it comes to insurance coverage. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft. City drivers have to deal with traffic congestion and a longer drive to work. More time on the road means higher likelihood of an accident.
  • Add-on coverages can add up – There are a ton of extra bells and whistles you can purchase if you aren’t careful. Things like vanishing deductibles, better glass coverage and term life insurance may be costing you every month. They may seem like a good idea when you first buy your policy, but if they’re wasting money remove them from your policy.
  • Better credit scores mean better rates – A driver’s credit score is a large factor in determining your rates. So if your credit score is lower than you’d like, you could be paying less to insure your 1990 Mercury Topaz by improving your rating. Consumers who have excellent credit tend to be less risk to insure than drivers with poor credit.
  • Drive less and save money – The higher the mileage driven every year the more you will pay for insurance coverage. Almost all companies apply a rate based on their usage. Vehicles used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated Topaz may be wasting your money. Double check that your insurance coverage declarations sheet is showing the correct usage for each vehicle.
  • Drive a safer car and pay less – Cars with high safety ratings can get you lower premiums. Safe vehicles protect occupants better and fewer injuries means lower claim amounts and lower rates for you. If your Mercury Topaz scored better than four stars on Safercar.gov it may be receiving lower rates.
  • Women pay lower rates – Statistics show that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Men and women cause accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically have more aggressive citations like reckless driving and DUI.
  • Theft deterrents lower rates – Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

  • When should I remove comp and collision on my 1990 Mercury Topaz?
  • Is upholstery damage covered by car insurance?
  • Which companies will insure high-risk drivers?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is high-risk coverage and where do I buy it?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is a blown tire covered by insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • Exactly who is provided coverage by my policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Car insurance coverages and their meanings

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average car insurance policy.

Coverage for collisions

Collision coverage pays for damage to your Topaz from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like backing into a parked car, colliding with another moving vehicle, rolling your car, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your 1990 Mercury Topaz.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive car insurance

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a broken windshield, vandalism and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability

This provides protection from damage that occurs to other people or property. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like court costs, emergency aid, medical expenses and attorney fees. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as chiropractic care, EMT expenses, nursing services and prosthetic devices. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Be a money saver!

As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. In too many instances, someone dropped full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at an affordable rate.

We just presented quite a bit of information on how to lower your 1990 Mercury Topaz insurance rates. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the most savings is with a small local company. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm and Allstate.

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