1999 Mercury Tracer Car Insurance Rates

Pricey insurance can eat up your savings and force you to make tough financial choices. Comparing cost estimates is free and is an excellent way to lower your bills every month.

Consumers have so many insurers to purchase coverage from, and although it’s a good thing to have a choice, having more auto insurance companies makes it harder to compare rates.

Finding the best rates is quite easy. Basically, every vehicle owner who shops for auto insurance will most likely be able to save money. Nevertheless, vehicle owners do need to know how companies sell online and use this information to your advantage.

Earn discounts on car insurance

Car insurance is neither fun to buy or cheap, but you may be missing some discounts that many consumers don’t even know exist. A few discounts will be applied at the time of purchase, but some may not be applied and must be inquired about prior to getting the savings. If you are not receiving all the discounts available, you could be paying more than you need to.

  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices help deter theft so companies will give you a small discount.
  • Discount for Swiching Early – A few companies allow discounts for switching companies prior to your current policy expiration. Ten percent is about the average savings.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it can save substantially.
  • Save with a New Car – Buying a new car model can be considerably cheaper because newer vehicles have to meet stringent safety requirements.
  • Student in College – who attend college more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Military Deployment Discount – Having a deployed family member could mean lower prices.
  • Discount for Multiple Policies – If you insure your home and vehicles and place coverage with the same company you may earn up to 20% off your total premium.
  • Good Student – Performing well in school may save you up to 25%. You can use this discount normally up until you turn 25.
  • Early Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can avoid the installment charge.

A little note about advertised discounts, some credits don’t apply the the whole policy. Most only cut individual premiums such as liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, car insurance companies aren’t that generous.

Companies and some of the premium reductions they offer are detailed below.

  • Esurance may have discounts that include anti-theft, homeowner, good driver, anti-lock brakes, good student, and online quote.
  • The Hartford may offer discounts for good student, anti-theft, defensive driver, driver training, and air bag.
  • AAA policyholders can earn discounts including anti-theft, AAA membership discount, pay-in-full, education and occupation, and multi-policy.
  • Geico includes discounts for air bags, defensive driver, five-year accident-free, good student, seat belt use, and multi-vehicle.
  • State Farm offers premium reductions for multiple autos, defensive driving training, passive restraint, good driver, anti-theft, student away at school, and driver’s education.

It’s a good idea to ask all the companies the best way to save money. A few discounts may not apply everywhere. To find companies that offer discounts, click here to view.

Why you might pay higher rates

Consumers need to have an understanding of some of the elements that aid in calculating the rates you pay for car insurance. When consumers understand what controls the rates you pay, this allows you to make educated decisions that could help you find big savings.

Shown below are a partial list of the pieces used by your company to calculate your premiums.

  • Premiums also based on gender – Over time, data shows that women are safer drivers than men. The data does not necessarily mean that females are better drivers. Women and men have auto accidents at a similar rate, but males tend to have higher claims. Men also receive more costly citations like DWI (DUI) or reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
  • Your address can modify costs – Residing in small towns and rural areas can be a good thing if you are looking for the lowest rates. Drivers in populated areas regularly have more auto accidents and longer commute times. Fewer drivers and short commutes translates into fewer accident claims as well as less vandalism and auto theft.
  • Drive a safer car and pay less – Safe vehicles tend to have lower insurance rates. Vehicles built for safety reduce occupant injuries and better occupant protection means less claims paid passed on to you as lower rates.
  • The higher your credit score the lower your prices – Having a good credit score factor in determining what you pay. Insureds that have very high credit ratings tend to be less risk to insure than drivers who have lower credit scores. So if your credit score is low, you may save money insuring your 1999 Mercury Tracer by repairing your credit.
  • Prevent theft and save – Purchasing a vehicle with an alarm system can help lower your premiums. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent your vehicle from being stolen.
  • Save money by eliminating extra coverages – There are a lot of optional add-on coverages you can purchase if you aren’t careful. Add-on coverages like rental car coverage, towing coverage, and motor club memberships are some examples. They may seem good when talking to your agent, but if you don’t need them remove them from your policy.
  • Liability coverage is cheap – The liability section of your policy kicks in if ever a jury decides you are liable for damages caused by your negligence. This coverage provides legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so do not cut corners here.

Tailor your insurance coverage coverage to you

When buying adequate coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique and your policy should reflect that. These are some specific questions may help you determine if your situation could use an agent’s help.

  • Are rock chip repairs covered?
  • Exactly who is provided coverage by my policy?
  • What is the difference between comprehensive and collision coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • When should my teen driver be added to my policy?
  • When can my company non-renew my policy?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Save $399 a year? Really?

Big name companies like State Farm and Allstate seem to constantly run ads in print and on television. All the companies state the claim that you’ll save big just by switching your insurance coverage policy to them. How is it possible that every company can offer drivers better rates?

Companies provide the lowest rates for a prospective insured they prefer to insure. One example of this type of insured might have to be married and over the age of 30, has no driving citations, and drives less than 10,000 miles a year. Any customer who meets those qualifications may get the lowest car insurance rates as well as save some money.

Consumers who don’t meet this stringent profile will be charged a higher premium which leads to the customer buying from a different company. If you listen closely, the ads state “people that switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way companies can make it sound like they have such great car insurance rates. This really drives home the point why it is so important to compare many company’s car insurance rates. Because you never know which insurance companies will have the best rates at this point in time.

Auto insurance coverage basics

Having a good grasp of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages found on the average auto insurance policy.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like pain medications, EMT expenses, surgery and nursing services. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision insurance

This will pay to fix damage to your Tracer caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like driving through your garage door, hitting a parking meter, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercury Tracer.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability coverage

This protects you from injuries or damage you cause to other people or property. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things such as structural damage, funeral expenses, medical expenses, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, falling objects, rock chips in glass, damage from getting keyed and theft. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Be a money saver!

In this article, we presented many tips how you can get a better price on 1999 Mercury Tracer insurance. The key concept to understand is the more you quote car insurance, the better your chances of lowering your rates. Consumers may even find the lowest priced car insurance comes from a smaller regional carrier. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or Geico.

Cheaper car insurance is available from both online companies and also from your neighborhood agents, so you need to quote car insurance with both to have the best chance of lowering rates. Some insurance providers do not provide price quotes online and most of the time these regional insurance providers prefer to sell through local independent agencies.

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