1999 Mercury Tracer Insurance Rates

Do you get frustrated by the wide range of car insurance sources that you can choose from? You’re not alone. Consumers have such a large number of options that it can be hard work to find a more affordable company.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using these techniques. The purpose of this article is to teach you the best way to quote coverages. Although vehicle owners need to learn how companies determine prices and apply this information to your search.

How to buy insurance coverage online

There are multiple methods to compare insurance coverage quotes, but one way is less labor-intensive and much quicker. You could waste a few hours talking about coverages with agents in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

All the larger companies participate in a marketplace that allows shoppers to enter their policy data once, and each participating company can provide price quotes based on that information. This system prevents you from having to do repetitive form submissions to each company.

To use this form to compare rates click to open in new window.

The one disadvantage to doing it this way is that consumers can’t choose which insurance companies to get pricing from. So if you prefer to choose from a list of companies to compare prices, we put together a list of low cost insurance coverage companies in your area. View list of insurance companies.

Which method you use is up to you, but try to use apples-to-apples coverages and limits with each company. If you are comparing different limits and deductibles on each one it will be nearly impossible to truly determine the lowest rate. Even a minor difference in coverages may result in a large different in cost. And when price shopping your coverage, comparing a wide range of rates will enable you to find more affordable rates.

Do drivers who switch really save $475 a year?

Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. All the companies seem to make the promise of big savings after switching your policy. It sounds good, but how can they all give you a lower rate? This is how they do it.

Many companies have specific guidelines for the right customer that earns them the most money. One example of this type of risk profile might be married and over the age of 30, has few claims, and drives less than 5,000 miles a year. A customer who matches those parameters will get the preferred premium rates as well as save quite a bit of money when switching.

Potential insureds who do not match these criteria will get higher premium rates and ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” but not “all drivers who get quotes” save that kind of money. That is how insurance companies can make it sound like they have such great rates.

Because each company has a different risk profile, you really should compare many company’s rates. It’s impossible to know which insurance companies will fit you best based on your risk profile.

Lower your insurance premiums

Many different elements are part of the equation when quoting car insurance. A few of the factors are predictable such as your driving record, but others are less obvious such as whether you are married or how safe your car is.When buying insurance it’s important to understand the rating factors that aid in calculating your premiums. If you understand what determines base rates, this allows you to make educated decisions that may result in better insurance rates.

The list below includes some of the items insurance companies consider when setting your rate level.

  • Insure car and home with the same company – Many insurance companies allow discounts to people who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even if you already get this discount, it’s always a smart idea to get quotes from other companies to ensure the best deal. You may still be able to save money by buying insurance from a different company.
  • With age comes responsibility – Drivers with little experience tend to be inattentive when driving with friends therefore insurance rates are much higher. Older people have been proven to be more responsible, cost insurance companies less in claims , and are generally more financially stable.
  • Prices for males may be higher – Over the last 30 years, statistics show that women are safer drivers than men. This data doesn’t prove that women are BETTER drivers than men. Females and males cause accidents at a similar rate, but males cause more damage. Men also tend to get more serious tickets like DUI and reckless driving. Teenage male drivers generally have the highest accident percentage and therefore have the most expensive insurance rates.
  • Save money with good credit – A driver’s credit rating factor in your rate calculation. If your credit rating is low, you could pay less to insure your 1999 Mercury Tracer by spending a little time repairing your credit. Drivers who have good credit tend to be better risks to insure as compared to drivers with worse credit.

Don’t overlook these auto insurance discounts

Companies don’t always advertise every possible discount in a way that’s easy to find, so here is a list both well-publicized as well as some of the hidden credits available to lower your premiums when you buy insurance online.

  • Federal Government Employee – Active or retired federal employment could qualify for a slight premium decrease on Tracer coverage with certain companies.
  • Cautious Driver Discounts – Drivers who don’t get into accidents may save up to 50% more on Tracer coverage than drivers with accident claims.
  • E-sign – A handful of insurance companies may give you up to $50 shop insurance over the internet.
  • First Accident Forgiveness – but a handful of insurance companies will let one accident slide without the usual rate increase so long as you are claim-free before the accident.
  • Driving Data Discount – Insureds that choose to allow driving data collection to track driving habits by using a telematic data system such as State Farm’s In-Drive might get better premium rates if they are good drivers.

A quick disclaimer, some credits don’t apply to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, you aren’t that lucky. Any amount of discount should definitely cut your policy premium.

A few companies who might offer most of these discounts may include but are not limited to:

When getting a coverage quote, ask every company how you can save money. Some of the discounts discussed earlier may not apply in your area. To see a list of providers who offer online auto insurance quotes, follow this link.

When to get professional advice

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different.

For example, these questions might point out if your situation would benefit from professional advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Is extra glass coverage worth it?
  • How high should deductibles be on a 1999 Mercury Tracer?
  • What is covered by UM/UIM coverage?
  • Am I insured when driving a different vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • What is the difference between comprehensive and collision coverage?
  • When would I need rental car insurance?
  • Is my teenager covered with friends in the car?
  • Do all my vehicles need collision coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form.

Auto insurance coverage breakdown

Having a good grasp of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Collision coverage – Collision coverage covers damage to your Tracer resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a building, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Liability car insurance – This can cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

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 liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like repair costs for stationary objects, bail bonds, funeral expenses and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, hitting a bird, a broken windshield, a tree branch falling on your vehicle and theft. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for nursing services, funeral costs, doctor visits and chiropractic care. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – This coverage provides protection 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 damage to your 1999 Mercury Tracer.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Saving money is sweet as honey

Throughout this article, we presented a lot of techniques to compare 1999 Mercury Tracer insurance premium rates online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from a lesser-known regional company.

As you quote insurance, you should never buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed full coverage only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at an affordable rate, but don’t skip important coverages to save money.

Consumers switch companies for a variety of reasons including denial of a claim, high prices, high rates after DUI convictions or delays in paying claims. It doesn’t matter why you want to switch switching insurance companies is pretty easy and you might even save some money in the process.

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