1991 Mercury Capri Insurance Quotes

Looking for lower insurance coverage rates for your Mercury Capri? Finding low-cost insurance for your Mercury Capri could be difficult, but you can use the following methods to save time.

There is a better way to find insurance coverage online and we’ll show you the best way to compare rates on a Mercury and find the lowest price from local insurance agents and online providers.

Why your Mercury Capri insurance rates may be high

It’s important that you understand the different types of things that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in big savings.

  • Big city or small town – Being located in a small town has it’s advantages when it comes to auto insurance. Urban drivers have to deal with congested traffic and longer commutes to work. Fewer people means fewer accidents and also fewer theft and vandalism claims.
  • Always keep insurance in force – Driving without insurance is illegal and auto insurance companies will penalize you for letting your insurance expire. Not only will rates go up, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Optional equipment can affect rates – Driving a car with an alarm system can get you a discount on your auto insurance. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
  • Lower rates come with age – Older insureds are viewed as being more responsible, file fewer claims and receive fewer citations. Teen drivers are known to be careless and easily distracted when behind the wheel therefore auto insurance rates are much higher.
  • Being married can save on auto insurance – Having a wife or husband helps lower the price on your auto insurance policy. Having a significant other translates into being more mature and it’s proven that drivers who are married are more cautious.
  • Do you have a high stress job? – Did you know that where you work can have an impact on rates? Occupations such as judges, business owners and dentists tend to pay the highest average rates due to job stress and lots of time spent at work. Other jobs such as pilots, historians and performers have the lowest average rates for Capri coverage.
  • Protect your assets with liability insurance – Liability insurance is the coverage that protects you if you are found liable for causing damage or personal injury in an accident. It will provide legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.

Verify you’re getting all your discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that many people don’t even know exist. A few discounts will automatically apply when you purchase, but less common discounts must be asked for prior to receiving the credit. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Multiple Cars – Buying coverage for all your vehicles on one policy can get a discount on all vehicles.
  • Military Rewards – Having a family member in the military can result in better rates.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Organization Discounts – Being a member of a qualifying organization may earn a discount on your policy for Capri coverage.
  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.

Consumers should know that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts will bring down the amount you have to pay.

For a list of companies with discount auto insurance rates, follow this link.

Save $447 a year? Really?

Consumers constantly see and hear ads for cheaper car insurance by companies like State Farm and Allstate. They all have a common claim about savings if you move to them.

How do they all claim to save you money?

All the different companies have a certain “appetite” for the right customer they prefer to insure. For example, a driver they prefer could be between the ages of 40 and 55, owns a home, and drives newer vehicles. Any driver who fits that profile will get very good rates and as a result will probably save when switching.

Potential customers who fall outside the requirements must pay higher prices and ends up with the customer not buying. The ads state “drivers who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can confidently make the claims of big savings.

This illustrates why you need to get quotes from several different companies. It’s just too difficult to predict which car insurance company will provide you with the cheapest Mercury Capri insurance rates.

When should I talk to an agent?

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For example, these questions might help in determining if your insurance needs might need an agent’s assistance.

  • Why do I need rental car insurance?
  • Are my friends covered when driving my car?
  • What if I total my 1991 Mercury Capri and owe more than it’s worth?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my 1991 Mercury Capri need full coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Coverages available on your car insurance policy

Having a good grasp of car insurance aids in choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1991 Mercury Capri.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as theft, falling objects, damage from getting keyed and rock chips in glass. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability

This can cover damage that occurs to people or other property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like repair costs for stationary objects, bail bonds and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for expenses for EMT expenses, dental work and hospital visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

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

Collision insurance covers things such as damaging your car on a curb, crashing into a building, colliding with another moving vehicle, crashing into a ditch and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Knowledge is power

When you buy insurance online, don’t be tempted to reduce needed coverages to save money. Too many times, drivers have reduced uninsured motorist or liability limits only to find out that they should have had better coverage. Your strategy should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Drivers change insurance companies for many reasons like unfair underwriting practices, being labeled a high risk driver, high prices or policy cancellation. It doesn’t matter what your reason, finding a great new company is easier than you think.

The cheapest 1991 Mercury Capri insurance can be purchased from both online companies and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Additional information is located at the links below