Remarkably, a study showed that most Texas auto insurance customers kept their policy with the same company for over three years, and nearly half have never taken the time to shop around. With the average premium in America being $1,847, drivers could cut their rates by $860 a year just by comparing rates, but they don’t know the amount of savings they would get if they bought a different policy.
The easiest way to find affordable Mercury Sable insurance is to regularly compare quotes from different companies who sell insurance in Laredo. Prices can be compared by following these guidelines.
- Step 1: Get a basic knowledge of how companies set rates and the measures you can control to keep rates low. Many risk factors that result in higher prices such as accidents, traffic tickets, and an imperfect credit score can be eliminated by making lifestyle changes or driving safer.
- Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO and Allstate, while independent agents can provide prices from multiple sources. View rates
- Step 3: Compare the quotes to your current policy premium and determine if there is any savings. If you find a lower rate and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Provide adequate notice to your current company of your intention to cancel your current policy and submit a completed application and payment to the new company. When you receive it, safely store the certificate of insurance with your registration paperwork.
One key aspect when comparing rates is to make sure you enter the same physical damage deductibles and liability limits on every quote request and to quote with as many companies as possible. Doing this guarantees the most accurate price comparison and a thorough price selection.
Locating the most cost-effective car insurance policy in Laredo can initially seem challenging. If you have coverage now, you will most likely be able to get lower rates using these techniques. But Texas car owners need to learn the way companies determine prices.
How to buy Mercury Sable insurance online
Most of the larger companies such as Allstate and Progressive give pricing on their websites. Obtaining pricing for Mercury Sable insurance in Laredo is easy for anyone as you just type in your coverage preferences as requested by the quote form. Behind the scenes, the company’s rating system orders your driving and credit reports and gives you a price quote based on these and other factors.
Getting online price quotes for Mercury Sable insurance in Laredo makes it a lot easier to compare rates and it’s absolutely necessary to have as many quotes as possible if you want to find affordable prices.
In order to use this form to compare rates, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you complete the form with the coverage information identical to your current policy. This way, you are getting an apples-to-apples comparison for the exact same coverage.
The providers in the list below are our best choices to provide free quotes in Laredo, TX. To buy the best cheap car insurance in Laredo, TX, we suggest you compare several of them in order to find the cheapest rates.
Get cheaper Mercury Sable insurance rates in Laredo
Auto insurance is easily one of your largest bills, but there are discounts available to help offset the cost. Certain reductions will be credited at the time of quoting, but occasionally some discounts must be inquired about before you will receive the discount.
- Driver Education Discount – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if offered at their school.
- Switch and Save Discount – A few insurance companies offer discounts for renewing your policy before your current coverage expires. You could save around 10% when you buy Laredo auto insurance online.
- Memberships – Belonging to qualifying clubs or civic groups could trigger savings on your policy.
- Defensive Driving Course – Taking part in a course teaching defensive driving skills can save you 5% or more if you qualify.
- Federal Government Employee – Simply working for the federal government could provide a small rate reduction but check with your company.
- Discount for Multiple Policies – When you have multiple policies and insure them both with the same insurance company you may earn up to 20% off your total Sable insurance premium.
- Drive Less and Save – Keeping the miles down on your Mercury may enable drivers to earn cheaper prices.
- Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
- Multiple Vehicles – Buying coverage for multiple cars or trucks with one company could earn a price break for each car.
- First Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
It’s important to note that most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts should definitely cut your policy premium.
A few of the larger companies and their possible discounts can be read below.
- State Farm may include discounts for good driver, Drive Safe & Save, anti-theft, multiple autos, and multiple policy.
- GEICO has savings for air bags, military active duty, federal employee, multi-vehicle, anti-theft, and anti-lock brakes.
- SAFECO has discounts for multi-car, bundle discounts, anti-theft, anti-lock brakes, drive less, and teen safe driver.
- Farmers Insurance policyholders can earn discounts including switch companies, pay in full, business and professional, multi-car, mature driver, and bundle discounts.
- AAA offers premium reductions for AAA membership discount, multi-car, education and occupation, pay-in-full, and good driver.
- USAA includes discounts for defensive driver, driver training, vehicle storage, good student, family discount, multi-vehicle, and new vehicle.
When getting free Laredo auto insurance quotes, it’s a good idea to all the companies how many discounts you can get. Savings might not be offered on policies everywhere.
Get Cheaper Insurance Premiums by Understanding These Factors
It’s important that you understand the rating factors that help determine your auto insurance rates. When you understand what impacts premium levels, this empowers consumers to make smart changes that will entitle you to lower rates.
Shown below are a partial list of the pieces used by your company to calculate premiums.
- Insure your auto and home with one company – Most larger auto insurance companies apply a discount to policyholders who buy several policies from them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even if you already get this discount, it’s always a smart idea to compare other company rates to verify if the discount is saving money.
- Rental and towing coverage may not be needed – There are many additional coverages that sound like a good idea at the time on your Sable policy. Coverage for things like rental car coverage, towing, and extra life insurance coverage may be costing you every month. They may seem good initially, but if you’ve never needed them in the past get rid of them and save.
- Lower rates by increasing coverage deductibles – The deductibles you choose state the amount of money the insured will be required to pay before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some examples of claims that would be covered would be rear-ending another vehicle, damage from fire, and having a roll-over accident. The more you have to pay, the less your auto insurance will be.
- Marriage pays dividends – Getting married may save some money compared to being single. It is viewed as being more mature and statistics prove drivers who are married file infrequent claims.
Shop online but buy locally
Some consumers still like to talk to a local agent and that is a smart decision An additional benefit of comparing insurance online is that drivers can save money and get lower car insurance rates but still work with a licensed agent.
Upon completion of this form (opens in new window), your insurance data is sent to participating agents in Laredo who will give competitive quotes for your coverage. There is no reason to contact any agents since rate quotes are delivered to your email. You can find the lowest rates and a licensed agent to talk to. If for some reason you want to compare rates for a specific company, just navigate to their website and fill out their quote form.
Choosing a company requires more thought than just a cheap price quote. Ask your prospective agent these questions:
- Will they give you a referral list?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Where would glass claims be handled in Laredo?
- Is the agent CPCU or CIC certified?
- Do they prorate repair cost based on vehicle mileage?
- If you are a high risk driver, do they have special markets for your coverage?
When finding a reputable agency, it can be helpful to understand the types of agencies and how they are distinctly different. Insurance policy providers can either be independent or exclusive.
Exclusive Insurance Agencies
Agents of this type normally can only provide a single company’s rates and some examples include Allstate, Farmers Insurance or State Farm. They are unable to provide rate quotes from other companies so they have to upsell other benefits. These agents are well schooled on the products they sell and that allows them to sell at a higher price point. Consumers sometimes use the same agent mostly because of high brand loyalty and the convenience of having all coverages with one company.
Shown below are exclusive agents in Laredo that are able to give comparison quotes.
- Kevin Romo – State Farm Insurance Agent
7917 McPherson Rd #208 – Laredo, TX 78045 – (956) 753-9337 – View Map - Allstate Insurance Agent: Powell-Watson Insurance Group
6301 Arena Blvd Ste A – Laredo, TX 78041 – (956) 764-4399 – View Map - State Farm: Manuel Gomez III
4311 Clark Blvd – Laredo, TX 78043 – (956) 333-0000 – View Map
Independent Insurance Agencies
Agents that elect to be independent do not write with just one company and that enables them to quote your coverage with multiple insurance companies and get the cheapest rates. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency.
When comparing insurance rates, we recommend you get quotes from several independent agencies to get the most accurate price comparison. Most have the option of insuring with small mutual carriers which could offer lower prices.
Below is a short list of independent insurance agents in Laredo willing to provide price quotes.
- Protection Insurance Agency
1020 Washington St – Laredo, TX 78040 – (956) 723-9542 – View Map - Pronto Insurance
1315 San Dario Ave – Laredo, TX 78040 – (956) 724-2110 – View Map - Medina Wright Insurance
1419 Clark Blvd – Laredo, TX 78040 – (956) 722-4618 – View Map
There’s no such thing as the perfect auto insurance policy
When choosing a policy, there isn’t really a one-size-fits-all type of policy. Everyone’s needs are different and your policy should reflect that.
These are some specific questions can help discover whether you would benefit from professional advice.
- What is glass protection for?
- Should I file a claim if it’s only slightly more than my deductible?
- Can I insure my car for more than it’s worth?
- Do I have coverage when making deliveries for my home business?
- Do I benefit by insuring my home with the same company?
- How many claims can I have before being canceled?
- Will damage be repaired with OEM parts?
- Is other people’s property covered if stolen from my vehicle?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.
Frequent quotes can save
Cheaper Mercury Sable insurance in Laredo can be found on the web as well as from insurance agents, and you should compare rates from both to have the best rate selection. Some insurance companies may not offer online quoting and many times these smaller companies work with local independent agents.
You just read a lot of information how to save on Mercury Sable insurance in Laredo. It’s most important to understand that the more quotes you get, the better likelihood of getting cheaper Laredo auto insurance quotes. You may even be surprised to find that the best prices are with some of the smallest insurance companies. Some small companies may often insure only within specific states and give better rates than their larger competitors like State Farm, GEICO and Nationwide.
More detailed insurance information is located in the articles below:
- Rollover Crash FAQ (iihs.org)
- Who Has the Cheapest Car Insurance for Drivers with Bad Credit in Laredo? (FAQ)
- Who Has Cheap Car Insurance for a Nissan Altima in Laredo? (FAQ)
- Who Has Affordable Laredo Car Insurance for Low Mileage Drivers? (FAQ)
- Who Has Affordable Laredo Car Insurance for Welfare Recipients? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Property Damage Coverage (Liberty Mutual)