1991 Mercury Tracer Car Insurance Quotes

Looking for better car insurance rates for your Mercury Tracer? Getting lower-cost car insurance on the web might appear problematic for consumers that are not comfortable with quoting and price shopping on the web. With literally dozens of companies, how can you possibly compare every company in order to find the best available rates?

You should make it a habit to compare rates quite often because car insurance rates are variable and change quite frequently. If you had the best premium rates for Tracer insurance a few years ago you may be paying too much now. There are lots of tips to save on car insurance out there, but I’m going to show you some tested techniques to put money back in your pocket.

How to buy car insurance online

Effectively comparing car insurance prices can be a daunting task if you aren’t aware of the most efficient way. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

All the larger companies take part in a program where insurance shoppers complete one form, and at least one company provides a quote determined by their information. This prevents consumers from doing form submissions for each company.

To participate in this free quote system, click here to start a free quote.

One minor caviat to doing it this way is you are unable to specify which insurance companies you want pricing from. So if you prefer to pick specific insurance companies to compare, we put together a list of the cheapest car insurance companies in your area. Click here to view list.

Whichever method you choose, try to keep identical coverages on every price quote you get. If each company quotes different deductibles you can’t possibly decipher which rate is best. Even a minor difference in coverages can mean a large discrepancy in price. Keep in mind that comparing more rates from different companies will improve the odds of getting the best offered rates. Some regional insurers cannot provide online price quotes, so it’s recommended that you also compare price quotes from those companies as well.

Verify you’re applying every discount

Buying car insurance is not cheap, but you may find discounts that many consumers don’t even know exist. Many discounts should be triggered when you complete an application, but some need to be asked for prior to getting the savings.

  • Anti-lock Brake Discount – Cars that have anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • More Vehicles More Savings – Drivers who insure more than one vehicle with the same car insurance company can get a discount on all vehicles.
  • Good Student – Being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Distant Student – who are enrolled in higher education away from home and won’t have access to an insured vehicle may be able to be covered for less.
  • Professional Organizations – Being in certain professional organizations may earn a discount on your policy.
  • Senior Discount – Mature drivers are able to get a small discount on rates for Tracer insurance.

A quick disclaimer, some credits don’t apply to the entire policy premium. A few only apply to specific coverage prices like comp or med pay. Even though the math looks like you can get free auto insurance, you won’t be that lucky.

Some of the larger companies who might offer these benefits are:

When getting a coverage quote, ask each company or agent which discounts they offer. Some discounts may not apply everywhere. To choose companies who offer discounts, click here to view.

How do insurers determine Mercury Tracer insurance rates?

Part of the insurance buying process is learning some of the things that go into determining the level of your policy premiums. If you have some idea of what controls the rates you pay, this enables informed choices that could result in lower insurance prices. Lots of factors are used in the calculation when pricing auto insurance. Some are pretty understandable such as your driving record, but other factors are not as apparent like your vehicle usage or your vehicle rating.

  • Never let your coverage expire – Letting your insurance expire is a fast way to bump up your insurance costs. Not only will rates go up, getting caught without coverage will get you a license revocation or jail time. You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Does insurance cost less for females? – Statistics show women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Males and females are responsible for at-fault accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also have more aggressive citations like driving under the influence (DUI). Young males are the most expensive to insure and therefore have the most expensive insurance rates.
  • Prices are affected by your address – Living in a small town has definite advantages when buying insurance. People in densly populated areas have more auto accidents and a longer drive to work. Lower population means a lower chance of having an accident and a lower car theft rate.
  • Raise coverage deductibles and save – Coverage for physical damage, also known as collision and other-than-collision, helps pay for damage to your vehicle. Some examples of claims that would be covered are a dented fender, hail damage, and having your car stolen. Your deductibles define how much the insured will be required to pay if you file a covered claim. The larger the amount you’re willing to pay, the lower your rates will be for Tracer insurance.
  • Small claims can cost you – If you are a frequent claim filer, you should expect either higher rates or even cancellation. Companies award most affordable rates to people who are claim-free. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Cheaper rates using alarm systems – Buying a car that has a built-in theft deterrent system can get you a discount on your insurance. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart auto theft.
  • Get married and get better costs – Having a spouse can get you a discount on your insurance policy. It means you’re more financially stable and insurance companies like that married couples file fewer claims.
  • Avoid tickets and save – Drivers with clean records receive lower rates as compared to those with violations. Having a single driving citation could increase your next policy renewal twenty percent or more. Drivers who have careless tickets such as DWI, reckless driving or hit and run convictions might be required by their state to submit a SR-22 form to the state department of motor vehicles in order to prevent their license from being revoked.

When should I discuss my situation with an agent?

When buying proper insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

For instance, these questions can aid in determining if you might need an agent’s assistance.

  • Does my insurance cover a custom paint job?
  • Am I covered when delivering products for my home-based business?
  • How high should deductibles be on a 1991 Mercury Tracer?
  • Does coverage extend to Mexico or Canada?
  • How much liability coverage do I need in my state?
  • Are my friends covered when driving my 1991 Mercury Tracer?
  • What if I don’t agree with a claim settlement offer?
  • Do I have coverage if my license is suspended?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

Advertising and car insurance

Car insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. All the ads try to convey promises of big savings if you change your coverage. That’s great but how can every company offer drivers better rates? Here is how they do it.

Companies are able to cherry pick for the type of customer that will not have excessive claims. An example of a profitable insured might be between 25 and 40, carries full coverage, and has a high credit rating. A driver that meets those criteria is entitled to the best price and most likely will save if they switch.

Potential insureds who are not a match for the ideal profile will probably have to pay higher premiums and this results in the customer buying from a different company. The ads state “customers who switch” not “everybody who quotes” save that much when switching. That is how insurance companies can make claims like that.

This really illustrates why it is so important to compare as many free insurance quotes as you can. It’s just too difficult to predict which insurance companies will have better premium rates than you’re paying now.

Coverage specifics

Having a good grasp of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your 1991 Mercury Tracer.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverages – Liability insurance provides protection from damage that occurs to people or other property in an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like loss of income, bail bonds, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for funeral costs, doctor visits and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision – Collision coverage pays for damage to your Tracer resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, colliding with another moving vehicle, driving through your garage door, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, vandalism and fire damage. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Compare but don’t skimp

Some insurance providers do not offer the ability to get a quote online and these regional insurance providers provide coverage only through independent insurance agents. Budget-friendly insurance coverage is available on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates.

We just showed you many ideas to compare 1991 Mercury Tracer insurance car insurance rates online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the lowest car insurance rates come from some of the smallest insurance companies.

When you buy insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage at the best price, but don’t skip important coverages to save money.

Additional resources