1994 Mercury Topaz Car Insurance Quotes – 10 Tips for Best Rates

Finding a different company that has low cost auto insurance probably sounds like a formidable task if you’re new to online quotes. Don’t let that bother you because finding better prices is easier than you think.

It’s important to compare prices on a regular basis since insurance prices are adjusted regularly by insurance companies. If you had the best deal for Topaz insurance a few years ago there is a good chance you can find better premium rates now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the only way to properly buy coverages while reducing your premium.

This information will let you in on the most effective way to quote insurance and some money-saving tips. If you have car insurance now, you will most likely be able to cut costs considerably using these tips. Although consumers need to learn how insurance companies determine prices and apply this information to your search.

Insurance policy discounts you can’t miss

Insurance is not inexpensive, but there could be available discounts that can help lower your rates. Larger premium reductions will be automatically applied when you get a quote, but some need to be asked for before you get the savings.

• Homeowners Pay Less – Owning a home can earn you a little savings because it is proof that your finances are in order.
• Data Collection Discounts – Drivers who agree to allow their insurance company to track their driving habits through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they show good driving skills.
• Bundled Policy Discount – If you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
• Early Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you may have a lower total premium amount.
• Military Discounts – Being deployed in the military may lower your premium rates slightly.
• Drive Less and Save – Low annual miles may enable drivers to earn slightly better prices than normal.
• Passenger Safety Discount – Factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
• Senior Citizen Discount – Older drivers could receive reduced rates for Topaz insurance.
• Drive Safe and Save – Insureds who avoid accidents can get discounts for up to 45% lower rates for Topaz insurance compared to accident prone drivers.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to use their safety belts could cut 10% or more on the premium charged for medical payments and/or PIP.

It’s important to note that most discounts do not apply to the overall cost of the policy. A few only apply to specific coverage prices like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, nobody gets a free ride.

Large insurance companies and their offered discounts are included below.

• State Farm offers discounts for accident-free, anti-theft, multiple policy, Drive Safe & Save, and good driver.
• Geico includes discounts for military active duty, emergency military deployment, federal employee, good student, air bags, membership and employees, and defensive driver.
• Allstate discounts include EZ pay plan discount, premier plus, defensive driver, economy car, and teenSMART discount.
• SAFECO may include discounts for bundle discounts, teen safety rewards, homeowner, drive less, multi-car, safe driver, and anti-theft.
• Farm Bureau offers premium reductions for good student, youthful driver, multi-policy, renewal discount, and multi-vehicle.
• Progressive offers discounts including online signing, online quote discount, multi-policy, continuous coverage, multi-vehicle, and good student.
• AAA has savings for good driver, AAA membership discount, pay-in-full, multi-policy, good student, and education and occupation.

When comparing rates, check with each company how many discounts you can get. Depending on the company, some discounts might not apply in your area.

Insurance agents can help

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out if you might need an agent’s assistance.

• Is my business laptop covered if it gets stolen from my vehicle?
• I have a DUI can I still get coverage?
• Is my teen driver covered when they drive my company car?
• Will I lose any money if I cancel my policy before it expires?
• Do I need added coverage for expensive stereo equipment?
• Are my friends covered when driving my car?
• Does my liability insurance cover pulling a trailer or camper?
• When should I not file a claim?
• What if I owe more than I can insure my car for?
• Does insurance cover damages from a DUI accident?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form.

What insurance coverages do you need?

Learning about specific coverages of insurance helps when 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.

Comprehensive (Other than Collision)

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

Comprehensive insurance covers things like rock chips in glass, damage from getting keyed, a broken windshield and hitting a bird. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for pain medications, funeral costs and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, sideswiping another vehicle, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Mercury Topaz.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for claims like medical expenses, funeral expenses, medical services and bail bonds. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Make an honest buck

Low-cost 1994 Mercury Topaz insurance is attainable both online and with local insurance agents, so get free auto insurance quotes from both of them to get a complete price analysis. There are still a few companies who may not provide rate quotes online and most of the time these small, regional companies only sell through independent insurance agencies.

As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced full coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your objective should be to find the BEST coverage at an affordable rate.

Insureds leave their current company for a variety of reasons including extreme rates for teen drivers, delays in responding to claim requests, questionable increases in premium and even policy cancellation. It doesn’t matter what your reason, choosing a new insurance company can be pretty painless.

For more information, feel free to browse these articles:

• Alcohol Impaired Driving FAQ (iihs.org)
• Teen Driving Statistics (Geico)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Learn About Car Insurance (Geico)
• Rollover Crash FAQ (iihs.org)
• Safety Features for Your New Car (State Farm)