1998 Mercury Tracer Car Insurance Rates

Scraping up a payment for overpriced Mercury Tracer insurance can draw down your monthly budget and maybe even restrict other spending. Lots of insurers contend for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest price

Auto insurance policy discounts you can’t miss

Companies offering auto insurance don’t always list every available discount very well, so the following is a list of both well-publicized as well as the least known credits available to lower your premiums when you buy insurance online. If you do not double check each discount possible, you’re paying more than you need to.

  • Discounts for Safe Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance quote on Tracer insurance as compared to drivers with claims.
  • Onboard Data Collection – Insureds who allow driving data submission to analyze vehicle usage by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they have good driving habits.
  • Early Renewal Discounts – A few auto insurance companies allow discounts for switching policies early. You could save around 10% when you buy insurance online.
  • Paper-free Discount – A handful of companies give back up to $50 for buying a policy and signing up digitally online.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently so companies will give you a small discount.
  • Multi-policy Discount – If you have multiple policies with one company you could get a discount of at least 10 to 15 percent or more.
  • No Charge for an Accident – This isn’t a discount exactly, but certain companies may permit one accident before hitting you with a surcharge so long as you are claim-free for a certain period of time.
  • Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents so companies give up to a 10% discount.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with discounted premium rates on garaged vehicles.
  • Homeowners Savings – Simply owning a home can save you money because maintaining a house is proof that your finances are in order.

As is typical with insurance, most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as liability and collision coverage. So when the math indicates you can get free auto insurance, companies don’t profit that way.

Car insurance companies that have these discounts include:

When getting free insurance quotes, it’s a good idea to each company which discounts they offer. Some of the earlier mentioned discounts may not apply everywhere. To view auto insurance companies who offer cheap auto insurance quotes, click here.

Insurance agents can help

When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help highlight if your insurance needs might need professional guidance.

  • Does having multiple vehicles earn me a discount?
  • Do I need PIP coverage since I have good health insurance?
  • Is my dog or cat covered if injured in an accident?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I hit a deer?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Are rental cars covered under my policy?
  • What companies insure drivers after a DUI or DWI?
  • Why is insurance for a teen driver so high?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage specifics

Learning about specific coverages of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages found on most insurance policies.

Medical costs insurance – Med pay and PIP coverage kick in for short-term medical expenses like rehabilitation expenses, dental work, hospital visits, EMT expenses and nursing services. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a deer, hitting a bird and a broken windshield. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage will pay to fix damage to your Tracer resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, sideswiping another vehicle, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability coverage – This provides protection from damage that occurs to other people or property by causing an accident. This coverage protects you from claims by other people. It does not 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 might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as legal defense fees, pain and suffering, bail bonds and emergency aid. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

UM/UIM Coverage – This provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mercury Tracer.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Summing up your auto insurance search

In this article, we presented many ideas to get a better price on 1998 Mercury Tracer insurance. It’s most important to understand that the more quotes you get, the better your comparison will be. Drivers may discover the best car insurance rates are with a company that doesn’t do a lot of advertising. These companies often have lower premium rates on specific markets than their larger competitors like State Farm and Allstate.

Discount 1998 Mercury Tracer insurance is definitely available from both online companies and from local agencies, so you need to shop insurance with both to have the best rate selection. Some auto insurance companies may not offer online price quotes and these smaller providers only sell through local independent agencies.

For more information, feel free to visit the resources below: