How Much Does 1993 Mercury Tracer Insurance Cost?

Buyers have lots of choices when searching for affordable Mercury Tracer insurance. They can either waste time driving around trying to get quotes or save time using the internet to compare rates. There is a better way to shop for insurance so we’re going to tell you the absolute fastest way to price shop coverage on a Mercury and locate the best price possible from local insurance agents and online providers.

Finding affordable coverage is quite easy. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these methods. Drivers only need to know the most effective way to compare rates on the web.

Free insurance coverage quotes

Most companies like Geico, State Farm and Progressive allow consumers to get pricing on the web. Getting online quotes doesn’t take much effort because it’s just a matter of typing in your coverage preferences into a form. Once entered, the quote system orders your driving and credit reports and generates a price based on the information you submitted.

Being able to quote online streamlines rate comparisons, but the time it takes to visit multiple sites and type in your information is a big time waster. But it is imperative to perform this step if you want to find the lowest possible prices on insurance coverage.

A quicker way to compare rates requires only one form that gets price quotes from a bunch of companies at once. This type of form saves time, requires much less work on your part, and makes quoting online much easier. Immediately after you send the form, it is rated and you are able to buy any one of the returned quotes. If you find a better price you simply finish the application and buy the policy. The entire process takes 15 minutes at the most and may result in a nice savings.

If you want to find out what other companies charge, click here to open in a new tab and fill out the form. If you currently have coverage, we recommend you copy the limits and deductibles as close as possible to your current policy. This way, you will receive rate comparison quotes based on identical coverages.

Learn how to lower your insurance prices

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that are used to determine auto insurance rates. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that can earn you big savings.

• Prevent your car from being stolen – Choosing a vehicle that has a built-in theft deterrent system can save you a little every year. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft and help lower rates.
• Frequent policy claims increase rates – Car insurance companies give lower rates to insureds who are claim-free. If you’re an insured who likes to file claims you can expect higher premiums or even policy non-renewal. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
• Cheaper rates by combining – Most auto insurance companies will give discounts to insureds who carry more than one policy. It’s known as a multi-policy discount. Even with this discount applied, it’s always a smart idea to shop around to verify if the discount is saving money.
• How credit rating affects auto insurance premiums – An insured’s credit rating can be an important factor in calculating your auto insurance rates. Insureds that have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit. If your credit is lower than you’d like, you may save money insuring your 1993 Mercury Tracer if you improve your credit rating.

Are you getting every discount?

Insurance is expensive, but discounts can save money and there are some available that can help lower your rates. Certain credits will be shown when you complete an application, but some must be inquired about prior to getting the savings. If you’re not getting every credit possible, you could be paying more than you need to.

• Homeowners Discount – Owning a house can get you a discount due to the fact that maintaining a home is proof that your finances are in order.
• Professional Memberships – Being a member of certain professional organizations can get you a small discount on your bill.
• Pay Now and Pay Less – By making one initial payment instead of making monthly payments you could save 5% or more.
• Theft Deterent Discount – Cars equipped with anti-theft or alarm systems prevent vehicle theft and will qualify for a discount on a insurance coverage quote.
• Claim Free – Insureds with no claims or accidents are rewarded with significantly better rates on insurance coverage quote compared to accident-prone drivers.
• Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase a life insurance policy as well.
• Service Members Pay Less – Having an actively deployed family member could trigger a small discount.
• Anti-lock Brakes – Cars with ABS and/or traction control have fewer accidents so you can save 10 percent or more.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, that’s just not realistic.

A few popular companies and their offered discounts can be found below.

• Geico may offer discounts for defensive driver, military active duty, driver training, air bags, federal employee, and good student.
• Mercury Insurance offers discounts for good student, low natural disaster claims, professional/association, anti-theft, multi-car, and ease of repair.
• Farmers Insurance may have discounts that include early shopping, bundle discounts, alternative fuel, teen driver, pay in full, multi-car, and distant student.
• Auto-Owners Insurance policyholders can earn discounts including paid in full, multi-policy, air bags, group or association, and teen driver.
• Liberty Mutual has savings for new vehicle discount, newly married, new graduate, multi-car, safety features, and multi-policy.
• SAFECO offers premium reductions for teen safety rewards, accident prevention training, teen safe driver, bundle discounts, multi-car, and anti-theft.
• Progressive offers discounts including multi-policy, continuous coverage, homeowner, online signing, good student, and multi-vehicle.
• USAA has discounts for vehicle storage, military installation, loyalty savings, annual mileage, and multi-policy.

When quoting, ask each insurance company which credits you are entitled to. Some of the discounts discussed earlier may not be offered everywhere. To choose insurance companies that offer multiple discounts, click this link.

When in doubt talk to an agent

When buying the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions might help in determining if your situation would benefit from an agent’s advice.

• Does coverage extend to a rental car in a foreign country?
• When should I buy a commercial auto policy?
• Are my friends covered when driving my car?
• Does coverage extend to my business vehicle?
• Does my insurance cover damage caused when ticketed for reckless driving?
• What vehicles should carry emergency assistance coverage?
• Am I covered if I hit a deer?
• How much liability do I need to cover my assets?
• Does my medical payments coverage pay my health insurance deductible?
• What happens if I owe more than my 1993 Mercury Tracer is worth?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage basics

Having a good grasp of a insurance policy can help you determine the right coverages for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your 1993 Mercury Tracer.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Liability insurance

This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things such as funeral expenses, emergency aid, court costs and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, rock chips in glass and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sideswiping another vehicle, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like nursing services, chiropractic care and ambulance fees. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Save your hard earned cash

In this article, we covered many ideas to save on 1993 Mercury Tracer insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even find the most savings is with a small local company.

When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. There are many occasions where an accident victim reduced full coverage only to regret that the small savings ended up costing them much more. The aim is to find the BEST coverage for the lowest cost while not skimping on critical coverages.

Consumers leave their current company for a number of reasons such as policy cancellation, policy non-renewal, questionable increases in premium and even being labeled a high risk driver. Regardless of your reason, finding a new insurance company is not as hard as you think.

For more information, feel free to browse the resources below:

• Tools for Teen Driving Safety (State Farm)
• State Laws for Cellphones and Texting (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)
• What Does No-Fault Insurance Cover? (Allstate)