Compare 1990 Mercury Topaz Insurance Quotes

Trying to find better auto insurance rates for your Mercury Topaz? Overpriced Mercury Topaz insurance can take a big chunk out of your savings account and put the squeeze on your family’s finances. Comparison shopping is a great way to lower your monthly bill. There are many insurance companies to choose from, and though it is a good thing to be able to choose, it can be more difficult to compare company pricing.

Consumers should take time to shop coverage around quite often due to the fact that insurance rates go up and down regularly. Even if you got the lowest rates on Topaz insurance a year ago you can probably find a better price now. So forget all the misinformation about auto insurance because you’re about to learn the things you must know in order to properly buy coverages and cut your premium.

Cut your premium with discounts

Companies that sell car insurance don’t always list all available discounts in a way that’s easy to find, so we researched some of the more common and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • E-sign – Certain companies will discount your bill up to fifty bucks simply for signing online.
  • Multi-policy Discount – When you have multiple policies with the same company you may save approximately 10% to 15%.
  • Good Student Discount – This discount can earn a discount of 20% or more. The discount lasts up to age 25.
  • Early Signing – Some companies give discounts for switching policies prior to your current policy expiring. This can save 10% or more.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way.

A partial list of companies that may have these benefits are:

Double check with each insurance company which discounts you may be entitled to. Savings might not be offered in every state.

Low Cost Auto Insurance

Most companies such as State Farm, Allstate and Geico provide pricing directly from their websites. Getting online rates doesn’t take much effort as you just type in your coverage information into the quote form. After you submit the form their system will obtain information on your driving record and credit history and gives you a price quote based on these factors. This streamlines rate comparisons, but the work required to visit a lot of sites and complete many quote forms can get tiresome after awhile. Unfortunately, it is important to do this in order to find better prices.

An easier way to get multiple rate quotes uses one simple form that obtains quotes from several different companies. This type of form saves time, eliminates repetitive work, and makes comparison shopping much more enjoyable and efficient. Once the form is submitted, it is quoted and you are able to buy any one of the resulting price quotes. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. It just takes a couple of minutes and may result in a nice savings.

To save time and fill out one form to compare multiple rates now, click here to open in new window and enter your information. To compare your current rates, we recommend you type in the limits and deductibles as close as possible to your current policy. This helps ensure you will have comparison quotes based on similar coverages.

Lesser-known factors impacting Mercury Topaz insurance rates

An important part of buying insurance is that you know the factors that go into determining the rates you pay for auto insurance. When you know what positively or negatively determines base rates enables informed choices that could result in much lower annual insurance costs.

Listed below are a partial list of the pieces auto insurance companies consider when setting premiums.

  • Occupation reflects on rates – Occupations such as doctors, social workers and dentists tend to pay the highest average rates because of high stress and lots of time spent at work. Other occupations like farmers, historians and the unemployed have the lowest average rates on Topaz insurance.
  • Do you need those extra coverages? – There are a ton of extra coverages you can purchase on your Topaz policy. Things like rental car reimbursement, better glass coverage and membership fees are some examples. They may seem like a good idea when you first buy your policy, but your needs may have changed so remove them from your policy.
  • Multiple policies with one company can save – Some insurers give discounts to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even with this discount, it’s still a good idea to comparison shop to make sure you are getting the best deal. Drivers may still find better rates by splitting coverages up.
  • Younger drivers pay higher rates – Mature drivers tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Young drivers have a tendency to be careless and easily distracted in a vehicle and because of this, their auto insurance rates are much higher.
  • Protect your assets with liability insurance – Your policy’s liability coverage is the coverage that protects you when you are found to be at fault for damages caused by your negligence. Liability provides legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • An active claims history can cost you – Car insurance companies give lower rates to insureds who file claims infrequently. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
  • Higher deductibles cost less – Your deductibles represent how much money you are willing to pay out-of-pocket before your auto insurance pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Examples of covered claims could be colliding with a building, damage from fire, and burglary. The higher the amount you’re willing to pay, the less your company will charge you for insurance on Topaz insurance.
  • Tickets mean higher rates – Your driving citation history impacts your car insurance rates tremendously. Careful drivers have lower premiums than people who have multiple driving citations. Just one moving violation can boost insurance rates forty percent or more. Drivers who have severe citations such as reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.

What is the best insurance coverage?

When it comes to buying the best insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique so your insurance should reflect that For example, these questions might point out whether your personal situation might need professional guidance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • I don’t drive much so do I pay less?
  • How much liability do I need to cover my assets?
  • Am I covered when driving on a suspended license?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is pleasure use cheaper than using my 1990 Mercury Topaz to commute?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Beware of misleading car insurance ads

Consumers constantly see and hear ads for the lowest price auto insurance from companies such as State Farm, Allstate and Geico. They all say the same thing that you can save after switching your policy.

How does each company make almost identical claims? It’s all in the numbers.

Insurance companies are able to cherry pick for the driver that makes them money. A good example of a desirable insured might be profiled as a mature driver, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and therefore will save quite a bit of money when switching.

Potential customers who don’t meet this ideal profile must pay higher prices and this can result in the customer not buying. The ads say “customers who switch” but not “drivers who get quotes” save that much. This is how insurance companies can confidently make those claims. This illustrates why it is so important to get as many quotes as possible. It’s just too difficult to predict which insurance companies will have the lowest Mercury Topaz insurance rates.

Information about specific coverages

Understanding the coverages of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Shown next are the normal coverages found on most auto insurance policies.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, theft, a tree branch falling on your vehicle and hitting a deer. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses such as dental work, pain medications, funeral costs, surgery and chiropractic care. They can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Liability auto insurance

Liability insurance provides protection from injuries or damage you cause to other people or property. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims such as emergency aid, legal defense fees, repair costs for stationary objects and court costs. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 1990 Mercury Topaz.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Collision insurance

This coverage pays for damage to your Topaz resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a building, scraping a guard rail, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Find Good Coverage for Less

In this article, we presented many ways to reduce 1990 Mercury Topaz insurance prices online. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a lesser-known regional company. Smaller companies can often provide lower rates in certain areas compared to the large companies like Progressive and Geico.

While you’re price shopping online, you should never buy less coverage just to save a little money. In many instances, someone dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

More detailed car insurance information is available by following these links: