Get Cheaper Mercury Montego Insurance in Three Steps
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But it's actually not a real enjoyable process for the majority of people and we always seem to end up paying too much. Buying insurance on your Mercury Montego might leave you feeling the same way.
Step One: Compare Multiple Rate Quotes
If you haven't priced insurance for awhile, you may still think that the only way to compare rates is to drive around town to multiple insurance offices and meet with an agent. Thanks to the internet, insurance shopping is a whole lot easier!
All the major car insurance companies sell insurance for a Mercury Montego and you can compare their rates by entering your information only one time.
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Apples-to-Apples! When doing comparison quotes for your Montego, it's very important that you use the same liability limits and physical damage deductibles on each quote. Otherwise you will not be able to accurately determine which company has the lowest rates.
Step Two: Best Ways to Lower your Montego Insurance Cost
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your Montego that will also lower the rate you pay irregardless of which company you choose.
- If you carry full coverage on your vehicle, you can slash your rates by increasing your comprehensive and collision deductibles. You'll pay more out-of-pocket but you will save with every renewal.
- How's your credit score? If it's good you will pay a lower rate than your poor credit counterparts. Work on improving weak credit and you will eventually see your car insurance bill go down.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- The time it takes to complete a driver's safety training course could be time well spent. It could save you up to 10% off your car insurance rates.
- If you think the only financial impact of a speeding ticket is a fine and court costs, think again. Insurance companies will raise your rates for up to three years for a single ticket.
- Having any gaps in coverage (known as a lapse) is bad in the eyes of any insurance company. Make sure you keep coverage in force at all times by synchronizing the expiration and effective dates of your policies.
- Safety features such as antilock brakes, traction control and air bag systems all help reduce the cost of car insurance by keeping the passengers safer.
- Being a homeowner can often get you a little discount on your auto insurance. Insuring you home with the same company as your autos can often get you even deeper discounts.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- Vehicle thefts drive up the cost of everyone's insurance, but if your Montego is on the list of the most frequently stolen cars, you might be paying just a little extra.
Step Three: Make an Informed Buying Decision
Purchasing an insurance policy is more than just clicking a button. You need to have funds available to make payment and you need to be sure that the coverages are adequate for your personal situation.
On your new policy, double check that the effective date is the same as the date you are cancelling your old policy. This avoids any lapse in coverage which can cause an increase in your rates.
If you already have a car insurance policy, then your Mercury Montego will be covered as soon as your purchase it. If this is your first vehicle, you will want to make sure you have coverage in place as soon as your purchase it. Most car insurance companies will extend coverage to newly purchased vehicles, but only up to the limits of the best insured vehicle. So if you only carry liability insurance and no physical damage coverage, your new purchase will be inadequately insured until you specifically add it to the policy with full coverage.
After completing your policy purchase, you can print out the proof-of-insurance card to place in your car. Always keep the current card available in case requested by law enforcement or if you are in an accident. If you qualilfy as a high-risk driver after being convicted of a DUI, reckless driving or driving on a suspended license, you may be required to file an SR-22 with your state's DMV. Be sure your new car insurance company is aware of this filing requirement.
Additional Learning Resources
For more information on car insurance topics like the claims process, rental car insurance and how much coverage you need, visit the Insurance Information Institute website.
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