Save on 1999 Mercury Tracer Insurance Rates

Searching for better car insurance rates for your Mercury Tracer? Searching for the cheapest car insurance on the internet can be problematic for consumers new to comparing rates online. With a ridiculous number of insurers to choose from, how can consumers effectively compare them all to find the best available rates?

It’s smart to get comparison quotes occasionally because prices are variable and change quite frequently. Despite the fact that you may have had the lowest price for Tracer coverage on your last policy a different company probably has better rates today. Block out anything you think you know about car insurance because you’re about to learn one of the quickest ways to reduce your cost while improving coverage.

Finding affordable coverage is quite easy. In a nutshell, every vehicle owner who is required by state law to have insurance coverage will most likely be able to find better rates. But vehicle owners must learn how insurance companies sell insurance online.

How to Compare Car Insurance Quotes

The are a couple different ways to get quotes from different insurance companies. The fastest way to find the cheapest 1999 Mercury Tracer insurance rates is to perform an online rate comparison. This is very easy and can be done using a couple different methods.

  1. The best way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This type of form saves time by eliminating separate quote forms for every car insurance company. In just a few minutes this one form will return quotes instantly. This is perfect if you don’t have a lot of time.
  2. A more difficult way to find lower rates is going to each company’s website and complete a new quote form. For sake of this example, we’ll assume you want to compare rates from Auto-Owners, Allstate and Progressive. To get each rate you have to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The hardest method to compare rates is to drive around to and from local insurance agencies. The internet has reduced the need for local agents unless you prefer the professional advice only provided by licensed agents. Drivers can price shop online and get advice from an agent in your area and you’ll learn how to do that later.

It’s up to you how you get prices quotes, just be sure to compare apples-to-apples information for each comparison quote. If the quotes have different liability limits it’s impossible to determine which rate is truly the best. Just a small difference in limits may result in large price differences. And when comparison shopping, comparing a large number of companies will enable you to find lower pricing.

The car insurance bait and switch

Companies like Allstate and Progressive constantly bombard you with ads on television and other media. All the ads have a common claim that you’ll save big if you switch to their company. How do they all say the same thing? This is how they do it.

Insurance companies have a preferred profile for the right customer they prefer to insure. An example of a profitable customer might be over the age of 40, insures multiple vehicles, and chooses high deductibles. Any driver that hits that “sweet spot” gets the lowest rates and therefore will pay quite a bit less when switching companies.

Drivers who don’t meet the requirements will be quoted a more expensive rate and this can result in business going elsewhere. Company advertisements say “customers who switch” not “everybody who quotes” save that much. That’s the way insurance companies can confidently advertise the way they do. This emphasizes why it is so important to get as many comparisons as possible. It is impossible to predict which insurance companies will have the lowest Mercury Tracer insurance rates.

Mercury Tracer insurance premiums are calculated by many factors

Consumers need to have an understanding of the factors that help determine your insurance rates. Having a good understanding of what determines base rates enables informed choices that will entitle you to much lower annual insurance costs.

  • Having a spouse can save you money – Having a wife or husband actually saves money on insurance. It translates into being more mature than a single person it has been statistically shown that drivers who are married are more cautious.
  • Safer occupants lowers premiums – Cars with high safety ratings tend to have better insurance rates. These vehicles reduce injuries and better occupant protection translates into savings for insurance companies and lower rates for you. If your Mercury Tracer has ratings of a minimum four stars on Safercar.gov you may qualify for a discount.
  • Your location is important – Residing in small towns and rural areas can save you money when it comes to insurance. Fewer drivers means reduced accidents as well as less vandalism and auto theft. City drivers have to deal with traffic congestion and a longer drive to work. More time on the road means higher likelihood of an accident.
  • How many coverages with the same company – The majority of companies will give a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to compare other company rates to ensure the best deal. Consumers may find a better deal by splitting coverages up.
  • Do you know you’re credit rating? – Credit rating is a big factor in determining what you pay for insurance. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with lower ratings. Therefore, if your credit history can use some improvement, you could save money insuring your 1999 Mercury Tracer by improving your rating.

Cut your auto insurance rates with discounts

Car insurance companies don’t necessarily list all their discounts very clearly, so the following is a list of both the well known and the more hidden ways to save on auto insurance.

  • Senior Citizens – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for Tracer coverage.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.
  • Use Seat Belts – Requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Multi-car Discount – Insuring more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
  • Homeowners Discount – Owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Discount for Swiching Early – Select companies give a discount for switching policies prior to your current policy expiration. The savings is around 10%.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way.

Companies that may offer these discounts may include but are not limited to:

Check with each insurance company what discounts are available to you. All car insurance discounts might not apply in every state.

You are unique and your car insurance should be too

When it comes to choosing coverage, there is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that might help in determining whether you may require specific advice.

  • Why am I required to buy high-risk coverage?
  • Can I afford to buy a different vehicle if my 1999 Mercury Tracer is totaled?
  • Is a blown tire covered by insurance?
  • Should I have combined single limit or split liability limits?
  • Where can I find high-risk insurance?
  • Are rock chip repairs covered?
  • Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Specific coverage details

Knowing the specifics of auto insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

UM/UIM Coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 1999 Mercury Tracer.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as legal defense fees, court costs, funeral expenses and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

Collision insurance pays for damage to your Tracer resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like driving through your garage door, crashing into a building, rolling your car, sideswiping another vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses for things like nursing services, dental work, doctor visits and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, hail damage, vandalism and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Summing up your insurance search

We just showed you many ideas to reduce 1999 Mercury Tracer insurance prices online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. The aim is to get the best coverage possible for the lowest price while not skimping on critical coverages.

Lower-priced insurance can be bought on the web and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and these smaller companies work with independent agents.

More detailed insurance information is available at these sites: