Auto Insurance Rate Quotes for a Mercury Sable in Louisville

If you want to find the absolute lowest rates, then the best way to find low-cost Mercury Sable insurance in Louisville is to compare quotes once a year from insurers who can sell car insurance in Kentucky.

Step 1: Try to learn a little about how auto insurance works and the things you can control to keep rates low. Many policy risk factors that are responsible for high rates like tickets, at-fault accidents, and a poor credit rating can be eliminated by improving your driving habits or financial responsibility. This article provides ideas to help find cheaper rates and find possible discounts that are available.

Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO and State Farm, while independent agencies can quote rates for a wide range of insurance providers. View insurance agents

Step 3: Compare the price quotes to the price on your current policy to determine if you can save on Sable insurance. If you find better rates and buy the policy, make sure there is no coverage gap between policies.

Step 4: Provide notification to your current agent or company to cancel your existing policy. Submit a down payment along with a signed application for the new coverage. As soon as you receive it, put the new certificate verifying coverage in your vehicle’s glove compartment or console.

A valuable tip to remember is to try to compare identical coverage information on each price quote and to quote with as many auto insurance providers as possible. Doing this provides a fair rate comparison and the most accurate and complete price analysis.

Insurance quote for Mercury Sable in LouisvilleA recent car insurance study discovered that over 70% of consumers kept their coverage with the same car insurance company for at least the last four years, and nearly 40% of drivers have never taken the time to shop around. Kentucky consumers could save approximately 30% a year by just comparing quotes, but they just feel it’s too hard to compare rate quotes online.

If you have coverage now or are looking for a new policy, you will benefit by learning to save money without sacrificing coverage. Finding affordable coverage in Louisville is much easier if you have a good place to start. Shoppers only have to learn the proper methods to buy auto insurance over the internet.

Low Cost car insurance in Louisville, KY

The providers in the list below are ready to provide quotes in Kentucky. If your goal is to find cheap car insurance in Louisville, KY, we recommend you get rate quotes from several of them to find the most competitive car insurance rates.

Save a ton on Mercury Sable insurance in Louisville with these discounts

Some companies don’t always publicize every possible discount in a way that’s easy to find, so below is a list some of the best known as well as the least known credits that may apply to you.Save money with discounts

Policy discounts save money, but most discount credits are not given to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. Even though it appears it’s possible to get free car insurance, it doesn’t quite work that way.

If you would like to choose from a list of insurance companies with discount car insurance rates in Kentucky, click here.

What Affects Mercury Sable Insurance Rates?

Part of the auto insurance buying process is learning some of the things that help calculate the rates you pay for auto insurance. If you know what impacts premium levels, this helps enable you to make changes that may reward you with cheaper rates.

Listed below are some of the most common factors auto insurance companies consider when setting rates.

Getting married can lower costs – Being married can get you a discount when shopping for auto insurance. Having a spouse may mean you are less irresponsible and insurance companies reward insureds because married couples file fewer claims.

Drive a safer car and pay less – Safer cars are cheaper to insure. Vehicles engineered for safety result in less severe injuries and lower injury rates means lower claim amounts which can result in lower premiums.

How much liability do you need? – A critical coverage on your policy, liability insurance will protect you in the event that you are ruled to be at fault for personal injury or accident damage. It will provide legal defense coverage which can cost a lot. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.

Companies want multiple policies – Most major auto insurance companies afford discounts to policyholders who buy several policies from them, otherwise known as a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. Even with this discount, drivers will still want to comparison shop to make sure you are getting the best deal.There is a good possibility that you can find lower rates by splitting coverages up.

Allowing your auto insurance policy to lapse raises auto insurance rates – Letting your insurance expire is a guaranteed way to bump up your auto insurance costs. And not only will your rates increase, getting caught without coverage may earn you a revoked license or a big fine. You may then be required to submit proof of financial responsibility or a SR-22 with the Kentucky DMV.

Prices can be impacted by your occupation – Jobs like fire fighters, airline pilots, and accountants are shown to have the highest average rates due to intense work-related stress and lengthy work days. On the other hand, occupations like scientists, athletes and retirees have the lowest average rates.

Performance makes a difference – The make and model of the car you need insurance for makes a substantial difference in your car insurance bill. The lowest premiums tend to be for small economy passenger cars, but the final cost of insurance is determined by many other factors.

Is your vehicle theft-ready? – Driving a car with a theft deterrent system can save you a little every year. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.

Tailor your insurance coverage to you

When quoting and comparing coverage online or from an agent for your personal vehicles, there really isn’t a perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply.Insurance savings
These are some specific questions can help discover whether your personal situation might need professional guidance.

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 an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Compare rate quotes but buy from a local Louisville insurance agent

Certain consumers just want to talk to a local agent and that is just fine! Professional agents can make sure you are properly covered and help in the event of a claim. A good thing about getting free rate quotes online is that you can find cheaper rates and still have a local agent.

Insurance agency in LouisvilleBy using this short form, the quote information is emailed to local insurance agents who will give you quotes for your insurance coverage. You don’t have to leave your house as quotes are delivered to you directly. If you want to compare rates from one company in particular, just navigate to their website and submit a quote form there.

Picking an insurance company should depend on more than just a low price. These are valid questions to ask:

The different types of auto insurance agents

If you would like to find a local insurance agency, it’s important to understand the different types of agencies and how they are distinctly different. Agents can be classified as either independent agents or exclusive agents. Both types can insure your vehicles, but it is important to understand how they are different because it may have an impact on which agent you choose.

Exclusive Insurance Agents

Exclusive agencies generally can only insure with one company like State Farm, Allstate and AAA. They generally cannot give you multiple price quotes so they have to upsell other benefits. Exclusive agencies receive a lot of sales training on sales techniques which aids in selling service over price.

The following is a short list of exclusive insurance agencies in Louisville who may provide you with rate quotes.


8800 Dixie Hwy bLouisville, KY 40258(502) 271-3211View Map


5800 Bardstown RdLouisville, KY 40291(502) 491-7797View Map


8217 Shelbyville RdLouisville, KY 40222(502) 339-1400View Map

More insurance agents

Independent Insurance Agents

Agents of this type can sell policies from many different companies so they can write business through many companies and help determine which has the cheapest rates. If your premiums go up, an independent agent can move your coverage and you don’t have to do anything. If you are comparing insurance prices, it’s recommended you check rates from at least one independent agent to ensure the widest selection of prices.

Shown below is a list of independent agencies in Louisville willing to provide rate quotes.


10602 Timberwood Cir # 14Louisville, KY 40223(502) 426-5887View Map


3701 Taylorsville Rd #1aLouisville, KY 40220(502) 459-0833View Map


6708 Shepherdsville RdLouisville, KY 40228(502) 968-1112View Map

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Don’t give up on affordable rates

We’ve covered many tips how you can save on Mercury Sable insurance in Louisville. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the most savings is with the smaller companies. Some small companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

When you buy Louisville car insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice liability coverage limits only to find out that it was a big error on their part. Your goal is to find the BEST coverage for the lowest price while still protecting your assets.

More detailed auto insurance information is available in the articles below: