Compare 1993 Mercury Capri Insurance Quotes

Shoppers have options when shopping for low-cost Mercury Capri insurance. You can either spend your time contacting agents to compare prices or leverage the internet to compare rates.

There is a better way to find insurance online and we’ll show you the quickest way to get price quotes on a Mercury and get the lowest possible price from local insurance agents and online providers.

Free Auto Insurance Quotes

Finding a lower price on 1993 Mercury Capri insurance can be quick and easy. You just have to spend a few minutes comparing rates from different insurance companies. This can be accomplished in several different ways.

The fastest way to get quotes would be an industry-wide quote request form click here to open form in new window. This method prevents you from having to do separate quotation requests for each company you want a rate for. One quote request will get you rate comparisons from all major companies.It’s the quickest way to get rates.
A slightly less efficient method to get comparison quotes is spending the time to visit the website for every company you want to comare and request a quote. For instance, let’s say you want to compare rates from USAA, Liberty Mutual and Progressive. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
The least efficient method to compare rates is driving around to different agent offices. Buying insurance online has reduced the need for local agents unless you want the personal advice only provided by licensed agents. It is possible to get the lowest quotes online but buy from a local insurance agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but be sure to compare identical information on every quote. If you use different values for each quote it’s impossible to truly determine the lowest rate.

Discounts are great for lower rates

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied when you get a quote, but some may not be applied and must be asked about before being credited. If they aren’t giving you every credit available, you are throwing money away.

Drivers Education – Require your teen driver to enroll in driver’s education if offered at their school.
Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
Lower Rates for Military – Being deployed with a military unit can result in better rates.
Club Memberships – Participating in a qualifying organization could trigger savings when buying car insurance on Capri insurance.
More Vehicles More Savings – Insuring multiple cars or trucks on one policy could earn a price break for each car.
Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of more than 20%.
Discount for Life Insurance – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less on Capri insurance than their less cautious counterparts.

It’s important to understand that some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way. But any discount will reduce the amount you have to pay.

For a list of insurers who offer car insurance discounts, follow this link.

You may need specialized coverage

When buying the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different.

These are some specific questions can help discover if you may require specific advice.

What vehicles should carry emergency assistance coverage?
How can I get high-risk coverage after a DUI?
Do I have newly-aquired coverage?
Is business property covered if stolen from my car?
Will filing a claim cost me more?
Is business equipment covered while in my vehicle?
Are all vehicle passengers covered by medical payments coverage?
Is a fancy paint job covered?
Does insurance cover damages from a DUI accident?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages 101

Learning about specific coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as loss of income, pain and suffering, structural damage, legal defense fees and court costs. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

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

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, hitting a bird, vandalism and damage from flooding. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a building, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as hospital visits, pain medications, dental work, prosthetic devices and nursing services. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay