View 2003 Mercury Marauder Car Insurance Rates

Finding cheaper insurance for a Mercury Marauder can be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to compare auto insurance rates and we’ll show you the quickest way to quote coverages on a Mercury and obtain the best price possible.

Parts of the Mercury Marauder rate equation

It’s important that you understand the factors that go into determining insurance coverage rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that can help you get lower insurance coverage prices.

  • Better crash test results mean better rates – Safer cars are cheaper to insure. These vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If the Mercury Marauder is rated at least four stars on Safercar.gov it may be receiving lower rates.
  • Don’t get talked into coverage you don’t need – There are many add-on coverages you can purchase when buying insurance coverage. Things like personal injury protection, better glass coverage and additional equipment coverage may be wasting your money. These coverages may sound good when talking to your agent, but now you might not need them so remove them from your policy.
  • Where do you drive? – The higher the mileage driven in a year the more you will pay for insurance coverage. The majority of insurers apply a rate based upon how you use the vehicle. Vehicles used primarily for pleasure use can get a lower rate than those used for commuting. Improper usage on your Marauder may be costing you. Double check that your insurance coverage declarations sheet is showing the correct usage for each vehicle, because it can save money.
  • Do you qualify for a multi-policy discount? – Most insurers provide better rates to people who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to comparison shop to ensure the best deal. You may still be able to find a better deal by splitting coverages up.
  • Where you reside plays a part – Choosing to live in a small town can save you money when talking about insurance coverage. Fewer drivers means fewer accidents and a lower car theft rate. Drivers in populated areas have traffic congestion and a longer drive to work. More time commuting means higher likelihood of an accident.
  • Lower rates with optional equipment – Driving a car with an alarm system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.

Don’t miss these discounts

Car insurance companies do not list all their discounts in a way that’s easy to find, so here is a list some of the best known and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Payment Method – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Good Student – This discount can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • Low Mileage – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off for Marauder insurance with a few insurance companies.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts when compared with bad drivers.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky.

To see a list of insurance companies with discount insurance rates, click here.

When might I need help?

When choosing adequate coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that might point out if your situation might need an agent’s assistance.

  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I need higher collision deductibles?
  • Is my trailer covered?
  • Do I need added coverage for expensive stereo equipment?
  • Do I have coverage if my license is suspended?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Car insurance 101

Understanding the coverages of auto insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses like funeral costs, X-ray expenses and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a broken windshield, hitting a deer and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

This will pay to fix damage to your Marauder 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 coverage pays for things such as sideswiping another vehicle, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Liability coverages

Liability insurance will cover injuries or damage you cause to people or other property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims such as emergency aid, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

More choices the merrier

Insureds who switch companies do it for many reasons like poor customer service, questionable increases in premium, delays in responding to claim requests or even high prices. Regardless of your reason, switching car insurance companies can be easy and end up saving you some money.

You just read a lot of tips how to get a better price on 2003 Mercury Marauder insurance. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from a small mutual company.

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. There have been many cases where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.

More detailed car insurance information can be read at these sites: