2007 Mercury Montego Insurance Rates – 10 Ideas for Cheapest Quotes

I can’t think of a single person who likes having to buy auto insurance, particularly when their premiums are too high.

Because you have many companies to choose from, it’s nearly impossible to choose the best company.

You need to compare rates periodically since insurance rates are adjusted regularly by insurance companies. Even if you got the best rates on Montego coverage last year you can probably find a better price now. So forget anything you know (or think you know) about auto insurance because you’re going to learn one of the quickest ways to properly buy coverages and cut your premium.

Buying car insurance is quite easy. Essentially everyone who has to buy auto insurance should be able to find better rates. But drivers need to learn how the larger insurance companies market on the web and take advantage of how the system works.

How to Get Cheap Car Insurance

Comparing car insurance rates can be exhausting if you don’t utilize the most efficient way. You can waste a lot of time driving to local insurance agents in your area, or you can stay home and use the web to quickly compare rates.

Most of the best insurance companies belong to an insurance system that enables customers to submit their information once, and each company can give them a price based on that information. This system prevents you from having to do quote requests for every car insurance company.

To find out what other companies charge for 2007 Mercury Montego insurance click here to open in new window.

The only downside to getting quotes like this is you can’t choose the companies you want pricing from. So if you want to choose specific insurance companies for rate comparison, we have a page of low cost car insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just ensure you’re using exactly the same information with every price quote. If the quotes have different deductibles you will not be able to make a fair comparison for your Mercury Montego. Quoting even small variations in coverage limits can make a big difference in price. And when price shopping your coverage, comparing a large number of companies provides better odds of finding better pricing.

Which insurance is the “right” coverage?

When buying the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out whether or not you would benefit from an agent’s advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Should I buy additional glass protection?
  • Am I covered if my car is in a flood?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need PIP coverage since I have good health insurance?
  • When should I drop full coverage on my 2007 Mercury Montego?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Learn about auto insurance coverages for a Mercury Montego

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverage types available from auto insurance companies.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, hitting a deer, a broken windshield, damage from a tornado or hurricane and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

This provides protection from damage or injury you incur to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like emergency aid, attorney fees and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

This coverage will pay to fix damage to your Montego caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like rolling your car, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2007 Mercury Montego.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for expenses like surgery, rehabilitation expenses and nursing services. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage