Did you fall for a flashy sales pitch and buy high-priced Mercury Sable insurance in Austin? Say no more because you’re not alone.
Unimaginable but true, a large majority of insurance policyholders have purchased from the same company for over three years, and roughly 40% of drivers have never even shopped around for cheap coverage. Texas consumers can save up to $1,766 each year just by comparing rates, but they don’t want to take the time to compare other rate quotes. Big-name insurance companies like State Farm and GEICO all claim big savings with catchy ads and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.
You should make it a habit to compare rates as often as possible because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest quotes on Mercury Sable insurance in Austin on your last policy you can probably find a lower rate today. Ignore everything you know about insurance because I’m going to teach you the easiest way to remove unneeded coverages and save money.
The easiest way to compare rates for Mercury Sable insurance in Austin is to know the fact most of the larger companies actually pay money for the chance to give you rate quotes. To begin a comparison, all you need to do is provide details such as whether or not you need a SR-22, the type of vehicles you drive, how you use your vehicles, and your credit rating estimate. Your information gets transmitted to all major companies and they return cost estimate quickly.
To check rates for your Mercury Sable now, click here then complete the form.
The following companies can provide free rate quotes in Austin, TX. If several companies are displayed, we suggest you compare several of them in order to find the most affordable rates.
Lower rates by qualifying for discounts
Some insurers don’t always publicize every discount very clearly, so the following list contains a few of the more well known and also the more inconspicuous credits available to bring down your rates.
- Government Employees – Federal government employees may reduce rates when you quote Austin auto insurance with some car insurance companies.
- Multiple Vehicles – Buying insurance for more than one vehicle with the same car insurance company may reduce the rate for each vehicle.
- Telematics Discount – Insureds that choose to allow their company to spy on driving habits through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may see discounts if their driving habits are good.
- New Vehicle Savings – Putting car insurance coverage on a new Sable may earn a small discount due to better safety requirements for newer vehicles.
- Accident Waiver – Not a discount per se, but companies like State Farm and GEICO may permit one accident before raising your premiums if you have no claims prior to the accident.
A little disclaimer on discounts, most credits do not apply to the entire policy premium. Most only reduce specific coverage prices like comp or med pay. Despite the fact that it seems like all the discounts add up to a free policy, it’s just not the way it works.
A partial list of companies that have some of the above discounts are:
It’s a good idea to ask each insurance company which discounts you qualify for. Some credits might not be available to policyholders in Austin.
Three main reasons to buy auto insurance
Despite the high cost of buying insurance for a Mercury Sable in Austin, buying auto insurance is not optional due to several reasons.
First, most states have mandatory insurance requirements which means the state requires a specific level of liability coverage if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your Mercury Sable, most banks will force you to buy full coverage to guarantee loan repayment. If you do not keep the policy in force, the bank or lender will purchase a policy for your Mercury for a much higher rate and require you to pay for the much more expensive policy.
Third, insurance protects both your car and your personal assets. Insurance will pay for medical bills for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your Mercury gets damaged, comprehensive and collision coverage will cover the repair costs.
The benefits of buying auto insurance definitely exceed the cost, especially with large liability claims. On average, a vehicle owner in Austin is currently overpaying as much as $830 a year so it’s important to compare rates at least once a year to ensure rates are competitive.
Shop online but buy locally
Many people prefer to sit down with an agent and that is not a bad decision Good insurance agents can point out coverage gaps and give you someone to call. A good thing about comparing rates online is you may find lower premium rates and also buy local. Putting coverage with local agents is still important in Austin.
After completing this quick form, the coverage information is transmitted to participating agents in Austin who want to provide quotes to get your business. There is no need to even leave your home since rate quotes are delivered straight to your inbox. If you want to compare prices from a specific auto insurance provider, you would need to visit that company’s website and fill out the quote form the provide.
When narrowing the list to find a local Austin insurance agent, there are a couple of types of agencies that differ in how they can insure your vehicles. Agents can be classified as either independent or exclusive. Either one can insure your vehicles, but it’s important to know how they are different since it can impact which agent you choose.
Independent Insurance Agents
Independent agents often have many company appointments so they can write business amongst many companies and possibly get better coverage at lower prices. If they quote lower rates, they simply move your policy to a different company which is easy for the insured.
When shopping rates, you definitely need to include price quotes from a couple of independent agencies in order to compare the most rates.
Featured below is a small list of independent insurance agents in Austin that may be able to provide rate quotes.
Agents that choose to be exclusive can only quote rates from one company like Farmers Insurance, State Farm, Allstate, and AAA. They generally cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive insurance agents are well schooled in insurance sales which can be an advantage.
Listed below are exclusive agencies in Austin that can give you comparison quotes.
Choosing an car insurance agent requires more thought than just a cheap price. The following questions are important to ask.
- Does the agent have professional designations like CIC, CPCU or AIC?
- Where would glass claims be handled in Austin?
- How long have they worked with personal auto insurance coverage?
- Does the company allow you to choose your own collision repair facility?
- Is there any savings for paying the full premium?
- Is every driver in your family covered?
- Which companies can they place coverage with?