Compare 1998 Mercury Tracer Insurance Quotes

Looking for the cheapest insurance rates for your Mercury Tracer? Are you drained from scraping the payment together to insure your Mercury every month? You are in the same boat as the majority of other consumers. With consumers having so many insurance providers from which to choose, it’s difficult to pick the lowest price insurance provider.

It’s a good habit to get comparison quotes on a regular basis due to the fact that insurance rates go up and down regularly. If you had the lowest premium rates for Tracer coverage a year ago there is a good chance you can find better prices now. Ignore everything you know about insurance because you’re going to get a crash course in the tricks you need to know to remove unneeded coverages and save money.

The purpose of this post is to familiarize you with how car insurance quotes work and some tricks to saving. If you currently have car insurance, you should be able to reduce your rates substantially using these tips. Drivers only need to know the proper way to find the lowest price online.

Which insurance coverage is cheapest?

There are multiple methods to shop for insurance coverage, but one way is less labor-intensive and much quicker. You could waste a few hours talking to local insurance agents in your area, or you can utilize online quoting to quickly compare rates.

Most car insurance companies participate in a marketplace where insurance shoppers enter their policy data once, and each company provides a quote determined by their information. This system prevents you from having to do quotation requests for every insurance coverage company. To find out how much you’re overpaying now click here to start a free quote.

The one disadvantage to doing it this way is buyers cannot specifically choose the insurers to get quotes from. So if you want to select specific providers to compare, we put together a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, double check that you are using equivalent deductibles and coverage limits for every quote you compare. If you compare unequal deductibles or liability limits it will be next to impossible to make a fair rate comparison.

Drivers can save with these money-saving discounts

Some providers do not advertise every discount they offer very clearly, so the list below contains a few of the more common as well as some of the hidden credits available to lower your premiums when you buy insurance online.

One Accident Forgiven – Not a discount per se, but a handful of insurance companies allow you one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
Professional Organizations – Being a member of qualifying clubs or civic groups can get you a small discount on your next renewal.
Own a Home – Owning your own home or condo can save a few bucks since home ownership means you have a higher level of financial diligence.
Senior Citizens – If you qualify as a senior citizen, you are able to get a discount up to 10% for Tracer coverage.
Early Renewal Discounts – Select larger companies give a discount for renewing your policy prior to your current policy expiring. It can save you around 10%.
Theft Deterent – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and that can save you a little bit as well.
Discounts for Good Drivers – Insureds who avoid accidents can save as much as half off their rates for Tracer coverage as compared to drivers with claims.
Discount for New Cars – Insuring a vehicle that is new can be considerably cheaper since new vehicles have better safety ratings.

While discounts sound great, it’s important to understand that most discounts do not apply the the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.

Companies and their offered discounts include:

21st Century has savings for air bags, driver training, automatic seat belts, anti-lock brakes, and good student.
Progressive offers discounts including multi-policy, good student, online signing, continuous coverage, homeowner, online quote discount, and multi-vehicle.
State Farm may include discounts for accident-free, passive restraint, student away at school, multiple policy, defensive driving training, and driver’s education.
Nationwide policyholders can earn discounts including Farm Bureau membership, accident-free, good student, easy pay, and family plan.
Esurance may have discounts that include anti-lock brakes, good student, anti-theft, safety device, Switch & Save, defensive driver, and DriveSense.
The Hartford has discounts for vehicle fuel type, driver training, anti-theft, air bag, good student, defensive driver, and bundle.

It’s a good idea to ask each company which discounts can lower your rates. Some discounts might not apply in your area. To see providers with the best discounts, click here to view.

Do I need special coverages?

When it comes to choosing adequate coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.

Does liability extend to a camper or trailer?
When can I cancel my policy?
I don’t drive much so do I pay less?
Why do I need rental car insurance?
When would I need additional glass coverage?
Why do I only qualify for high-risk insurance?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage basics

Having a good grasp of insurance can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages available from insurance companies.

Liability insurance

This provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

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 limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like loss of income, emergency aid and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Mercury Tracer.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally these limits do not exceed the liability coverage limits.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from getting keyed, damage from a tornado or hurricane, hitting a deer, vandalism and damage from flooding. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for prosthetic devices, pain medications, dental work, surgery and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision coverage covers damage to your Tracer resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like colliding with another moving vehicle, backing into a parked car, hitting a parking meter, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.