Tightwads Guide to Insuring a Mercury Monterey Van
If comparing car insurance was easy, most of us would do it more often. But we always seem to pay too much for coverage and most people would rather go to the dentist. Insuring your Mercury Monterey Van is probably no exception.
Step One: Compare Multiple Rates
If it's been a few years since you shopped for car insurance, you might still think the only way to buy is from a local agent. Welcome to the NEW way to buy car insurance!
Comparing insurance rates for a Mercury Monterey Van only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
Compare rates now by clicking the link below. In just a few minutes you'll have a good idea of what insurance will cost for your Mercury Monterey Van.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your Monterey Van.
Step Two: Techniques to Lower your Monterey Van Insurance Rates
After completing step one above, you can now learn some of the other ways to slash your Monterey Van insurance costs.
- 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.
- 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.
- When buying a new policy, you do not want a gap in coverage. This lapse is viewed by insurance companies as a high risk, and you will pay more for your next policy.
- Renting a house or apartment rather than owning a home may keep you from paying the lowest rates on car insurance. Home ownership is viewed as being more financially responsible than renting.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- Consider using higher deductibles for physical damage coverages like comprehensive and collision. Higher deductibles save money since you're willing to pay more out-of-pocket at claim time.
- Every parent dreads the day when their teenager gets added to their policy. If you are a teenager, or if you have one on your policy, expect to pay significantly more each year.
- Speeding tickets and other violations can negatively impact your insurance rates for up to three years. Get too many tickets and you'll be shopping for a new car insurance company.
- If your vehicle comes with safety features such as electronic stability control, head restraints, all-wheel drive or air bags, these all help keep insurance costs down by helping reduce accident injuries.
- Small claims that may only exceed your physical damage deductibles by a small amount are better off not being submitted to your company. Just pay the extra hundred dollars or two and keep a claim-free discount on your policy.
- Particular years and models of cars tend to be frequently stolen, and if your Monterey Van is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
Step Three: Choose a Company and Bind Coverage
Car insurance is pretty easy to buy online, but you do need to be aware that it is a legally binding contract. You need to have funds available for a down payment as well as review your coverages for any insufficiencies.
The key thing to keep in mind when buying a new policy is you do not want your old policy to lapse. Make sure the effective date of the new policy is on or before the expiration date of your current policy.
If the Mercury Monterey Van is a new purchase and you haven't had car insurance before, make sure you have coverage in place before driving off the lot. If you have other vehicles already covered, then you will have coverage for the new vehicle. If your current policy has any vehicle with full coverage (comprehensive and collision), then your new Monterey Van will have that coverage extended to it. If you only have liability coverage on your policy, then you have no physical damage coverage on your new purchase.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. If an SR-22 is required due to a reckless driving conviction, DUI or conviction of driving without insurance, make sure your new company is aware of that. Not filing a court-ordered SR-22 can result in suspension of your driver's license.
Additional Insurance Information
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.