Cheapest 2006 Mercury Montego Insurance Rates in 2023
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UPDATED: Dec 14, 2021
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Trying to find the cheapest insurance coverage rates for your Mercury Montego? Price shopping your insurance coverage is a challenge for consumers new to comparing rates online. Consumers have so many companies to choose from that it can quickly become more work than you anticipated to find the best price.
If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Locating the lowest cost insurance can be fairly easy. But vehicle owners must understand the way companies price insurance differently.
Lower rates by qualifying for discounts
The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not even be aware of. A few discounts will automatically apply when you quote, but a few must be manually applied before being credited.
- Discount for Good Grades – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
- Drive Less and Save – Low mileage vehicles can earn discounted rates on garaged vehicles.
- Auto/Life Discount – Companies who offer life insurance give better rates if you take out life insurance.
- Multiple Cars – Buying coverage for all your vehicles on the same car insurance policy can get a discount on all vehicles.
- Accident Free – Claim-free drivers can save substantially when compared with frequent claim filers.
A little note about advertised discounts, many deductions do not apply to the entire cost. Most only apply to specific coverage prices like comp or med pay. Even though it may seem like you can get free auto insurance, you’re out of luck. Any amount of discount will help reduce your overall premium however.
Car insurance is unique, just like you
When it comes to buying adequate coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.
For instance, these questions may help highlight whether your personal situation might need an agent’s assistance.
- Does my insurance cover my expensive audio equipment?
- Can I get a multi-policy discount?
- I have a DUI can I still get coverage?
- Where can I find DUI or SR-22 insurance?
- What if I don’t agree with a claim settlement offer?
- Am I covered when driving someone else’s vehicle?
- Am I covered if I hit my neighbor’s mailbox?
- How do I insure my teen driver?
- What can I do if my company won’t pay a claim?
- What is PIP insurance?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form.
Don’t listen to company ads
Auto insurance companies such as State Farm, Allstate and GEICO regularly use ads in print and on television. They all seem to have a common claim of big savings if you move to them. How does each company make almost identical claims?
All companies have a preferred profile for the type of customer that earns them a profit. An example of a desirable insured could possibly be between 25 and 40, has no tickets, and drives less than 7,500 miles a year. A driver that hits that “sweet spot” is entitled to the best price and therefore will save a lot of money.
Potential customers who don’t qualify for these standards will be charged a higher premium and this can result in the driver buying from a lower-cost company. Company advertisements say “people who switch” but not “drivers who get quotes” save that kind of money. This is how companies can make the claims of big savings.
That is why it’s extremely important to compare many company’s rates. You cannot predict the company that will fit your personal profile best.
Insurance policy coverages for a Mercury Montego
Having a good grasp of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.
Coverage for collisions
Collision coverage covers damage to your Montego resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against things such as colliding with another moving vehicle, driving through your garage door, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.
Liability coverage protects you from damage that occurs to people or other property that is your fault. This coverage protects you from claims by other people. It does not 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 commonly see policy limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage pays for things like emergency aid, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like damage from a tornado or hurricane, a broken windshield, fire damage and hitting a deer. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage pay for bills such as EMT expenses, surgery and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mercury Montego.
Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
A fool and his money are soon parted
As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. In many instances, someone sacrificed physical damage coverage and found out when filing a claim that it was a big error on their part. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.
Throughout this article, we presented a lot of information how to lower your 2006 Mercury Montego insurance rates. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with the least-expected company.
Lower-priced insurance can be sourced on the web in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies do not provide online price quotes and these regional insurance providers work with independent agents.
- Can I Drive Legally without Insurance? (Insurance Information Insitute)
- Speed and Speed Limit FAQ (iihs.org)
- Should I Buy a New or Used Car? (Allstate)
- If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
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