2006 Mercury Monterey Insurance Rates – 8 Discounts for Best Quotes

Trying to find cheaper auto insurance rates for your Mercury Monterey? Shopping for car insurance is not a chore people look forward to, but all states require it to legally drive.

It’s a good idea to compare rates once or twice a year because prices are rarely the same from one policy term to another. Even if you think you had the lowest rates on Monterey coverage on your last policy there may be better deals available now. So ignore everything you know about auto insurance because it’s time to teach you one of the quickest ways to find better rates and still maintain coverage.

How to Compare Car Insurance

Effectively comparing car insurance prices can take hours if you don’t know the best way to get rate quotes. You can spend countless hours driving to insurance agencies in your area, or you can utilize online quotes to achieve your goal.

Many companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and at least one company can provide price quotes for coverage. This prevents consumers from doing quote forms to each company.

To compare 2006 Mercury Monterey rates now click to open in new window.

One minor caviat to using this type of system is that you can’t choose which insurance companies to get quotes from. So if you want to choose from a list of companies to compare rates, we have a page of car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just compare apples-to-apples coverage limits and deductibles for every company. If you enter mixed coverages it’s impossible to make an equal comparison. Having just a slight variation in limits may result in a large different in cost. And when price shopping your coverage, comparing a large number of companies will increase your chances of finding the best offered rates.

Discounts are great for lower rates

Insuring your fleet can be pricey, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically when you quote, but less common discounts must be requested specifically prior to receiving the credit.

  • Claim Free – Claim-free drivers can earn big discounts when compared with frequent claim filers.
  • Student in College – Youth drivers who are attending college and do not have a car can be insured at a reduced rate.
  • Drive Safe and Save – Safe drivers may save up to 50% more on Monterey coverage than drivers with accidents.
  • Organization Discounts – Affiliation with certain professional organizations could qualify you for a break on your policy on Monterey coverage.
  • Own a Home – Simply owning a home may trigger a auto insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Bundle and Save – If you insure your home and vehicles with the same company you could get a discount of approximately 10% to 15%.
  • Military Discounts – Having a deployed family member can result in better rates.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.

Keep in mind that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as comp or med pay. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will cut the cost of coverage.

Insurance companies who might offer these money-saving discounts include:

Check with each insurance company which discounts you may be entitled to. Savings may not be available everywhere.

You may need specialized coverage

When buying coverage, there really is not a cookie cutter policy. Every situation is different.

For instance, these questions might point out whether your personal situation might need professional guidance.

  • Do I really need UM/UIM coverage?
  • Is rental equipment covered for theft or damage?
  • Do I need more liability coverage?
  • Should I buy additional glass protection?
  • How much can I save by bundling my policies?
  • Do I need replacement cost coverage on my 2006 Mercury Monterey?
  • Should I waive the damage coverage when renting a car?
  • How can I find cheaper teen driver insurance?
  • Do I need roadside assistance coverage?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverage information

Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for short-term medical expenses for pain medications, funeral costs and EMT expenses. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, hail damage, theft, a tree branch falling on your vehicle and rock chips in glass. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability auto insurance – This coverage can cover damage that occurs to other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like legal defense fees, emergency aid and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverages – Collision insurance pays for damage to your Monterey from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as scraping a guard rail, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Save your hard earned cash

As you restructure your insurance plan, do not buy poor coverage just to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

People change insurance companies for a number of reasons such as denial of a claim, policy non-renewal, high rates after DUI convictions and even delays in responding to claim requests. Regardless of your reason, choosing a new company is not as difficult as it may seem.

Cheap 2006 Mercury Monterey insurance is attainable from both online companies as well as from independent agents, and you should be comparing both so you have a total pricing picture. A few companies don’t offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

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