2003 Mercury Marauder Insurance Quotes – 9 Discounts for Best Rates

Trying to find more affordable insurance coverage could be a challenge for drivers who are beginners to online comparison shopping. With such a large number of insurers to choose from, it can quickly become a real hassle to find better prices.

This information will familiarize you with how to effectively get price quotes and some tricks to saving. If you have car insurance now, you will be able to save some money using these techniques. But car owners benefit from understanding how the larger insurance companies price insurance differently and take advantage of how the system works.

Don’t overlook these nine insurance discounts

The price of auto insurance can be rather high, but you may be missing some discounts to help bring down the price. A few discounts will automatically apply at the time you complete a quote, but less common discounts must be specially asked for before you get the savings. If you aren’t receiving every discount available, it’s possible you qualify for a lower rate.

Telematics Discount – Insureds that choose to allow their insurance company to look at driving habits through the use of a telematics system like Allstate’s Drivewise might see lower rates as long as they are good drivers.
Membership in Organizations – Having an affiliation with qualifying clubs or civic groups could qualify you for a break when getting a insurance coverage quote.
Drive Less and Save – Driving less could qualify for cheaper prices.
Accident Waiver – This isn’t a discount exactly, but companies like Progressive and Allstate will allow you to have one accident before they charge you more for coverage so long as you haven’t had any claims before the accident.
Lower Rates for Military – Being deployed with a military unit could qualify you for better insurance rates.
Claim Free – Drivers with accident-free driving histories get the best insurance rates in comparison with policyholders that have many claims.
Discounts for Seat Belt Usage – Drivers who require all occupants to buckle their seat belts may be able to save a few bucks off the personal injury premium cost.
Paper-free Discount – A few larger companies will give a small break shop insurance coverage on their website.
Switch and Save Discount – Select insurance companies give a discount for switching companies before your current policy expires. The savings is around 10%.

One thing to note about discounts is that most discount credits are not given to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like you can get free auto insurance, insurance companies wouldn’t stay in business.

Popular insurance companies and a summarized list of policyholder discounts are detailed below.

Progressive offers premium reductions for multi-policy, good student, multi-vehicle, homeowner, and online quote discount.
Farmers Insurance may have discounts that include youthful driver, pay in full, bundle discounts, homeowner, good student, and alternative fuel.
Farm Bureau policyholders can earn discounts including youthful driver, renewal discount, multi-policy, good student, 55 and retired, and safe driver.
State Farm has discounts for safe vehicle, student away at school, accident-free, anti-theft, multiple autos, good driver, and passive restraint.
Geico may include discounts for good student, anti-lock brakes, membership and employees, five-year accident-free, air bags, defensive driver, and anti-theft.
SAFECO has savings for anti-theft, drive less, homeowner, safe driver, and teen safety rewards.
Liberty Mutual offers discounts including newly retired, new move discount, preferred payment discount, new vehicle discount, and good student.

Before buying, ask each insurance company which discounts they offer. Some discounts may not apply to policyholders everywhere. To view providers who offer online insurance quotes, follow this link.

Auto insurance advertising gotchas

Respected companies like Allstate and Progressive continually stream television and radio advertisements. They all make an identical promise about savings if you just switch to them. It sounds good, but how can they all offer drivers better rates? You have to listen carefully.

Insurance providers have specific guidelines for the type of customer that will most likely be profitable. A good example of a profitable insured might be over the age of 50, has no tickets, and drives a safe vehicle. Any person who matches those parameters will most likely get cheap rates and will probably cut their rates substantially.

Insureds who do not meet this ideal profile must pay higher prices and ends up with the customer buying from a different company. The ad wording is “customers who switch” but not “all drivers who get quotes” save that much money. That is how companies can advertise the way they do.

Each company has different criteria, so it is so important to compare free insurance coverage quotes often. It is impossible to predict the company that will have the lowest premium rates for your situation.

When to get professional advice

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

For example, these questions can help discover whether you would benefit from an agent’s advice.

Do I need rental car coverage?
Am I covered if I drive in a foreign country?
Am I covered if I wreck a rental car?
Are rock chip repairs covered?
Where can I find DUI or SR-22 insurance?
When should I not file a claim?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form.

Insurance policy specifics

Knowing the specifics of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Collision coverages – This coverage pays for damage to your Marauder from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, backing into a parked car, scraping a guard rail, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive (Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from flooding, rock chips in glass, damage from getting keyed and falling objects. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Mercury Marauder.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Auto liability insurance – This can cover damage or injury you incur to other people or property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims like medical services, bail bonds, attorney fees, pain and suffering and funeral expenses. How much coverage you buy is your choice, but buy as large an amount as possible.

Medical expense insurance – Coverage for medical payments and/or PIP pay for immediate expenses like doctor visits, pain medications, hospital visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

A penny earned…

Some companies may not have online price quotes and usually these smaller providers work with independent agents. Cost effective 2003 Mercury Marauder insurance is possible online and also from your neighborhood agents, and you should be comparing both to have the best selection.

While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed full coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage at the lowest possible cost while still protecting your assets.

You just learned a lot of information how to save on 2003 Mercury Marauder insurance. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your premium rates. You may even discover the best auto insurance rates are with an unexpected company.