1993 Mercury Tracer Insurance Rates

Trying to find the cheapest auto insurance rates for your Mercury Tracer? Searching for the cheapest insurance for a new or used Mercury Tracer could be an all-consuming task, but you can follow our auto insurance buying tips to save time.

There is a right way and a wrong way to find auto insurance online so we’re going to tell you the best way to price shop coverage for your Mercury and locate the cheapest rates.

You need to do price comparisons once or twice a year because auto insurance prices are rarely the same from one policy term to another. Just because you found the best rates on Tracer coverage at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the proper way to properly buy coverages while reducing your premium.

Cheap auto insurance price quotes online

Reducing your 1993 Mercury Tracer insurance rates is surprisingly easy. Just spend a few minutes to compare rate quotes to find the company with the cheapest auto insurance quotes. You can get a good selection of rate quotes by using one of the methods below.

Probably the best way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This style of form keeps you from doing repetitive form submissions for each price estimate. A single form gets insurance cost estimates from many national carriers. Recommended for those who want to invest the least amount of time.

A slightly less efficient method to compare rate quotes requires a trip to the website for each individual company and fill out their own quote form. For instance, we’ll assume you want comparison quotes from State Farm, 21st Century and Farmers. To get rate quotes you would need to visit each site and punch in your information repeatedly, which is why the first method is quicker. To view a list of companies in your area, click here.

The least efficient and most time consuming method to find and compare rates to local insurance agencies. The ability to buy insurance online has made agencies unnecessary unless you’re the type of person who wants the professional assistance that only a licensed agent can provide. You can, however, price shop online and have a local agent actually service the policy.

You can choose any of those ways to find more affodable coverage, but try to use the exact same information for every quote you compare. If you are comparing different data you can’t possibly decipher which rate is best.

Components of your Mercury Tracer insurance rates

Multiple criteria are used when you get a price on insurance. Some are pretty understandable like an MVR report, although some other factors are not quite as obvious such as whether you are married or your financial responsibility.An important part of buying insurance is that you know a few of the rating criteria that help calculate auto insurance rates. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could result in lower auto insurance prices.

  • Is car insurance cheaper for males or females? – Over the last 30 years, statistics show women are more cautious behind the wheel. However, this does not mean females are better drivers. They both are responsible for fender benders in similar numbers, but the men get into accidents with more damage. Men also get higher numbers of serious violations like driving under the influence (DUI). Teenage male drivers have the highest risk to insure and therefore pay the highest rates.
  • Combine and save – The majority of auto insurance companies provide lower prices to buyers who consolidate policies with them, otherwise known as a multi-policy discount. The discount can add up to ten or even fifteen percent. Even if you already get this discount, you may still want to check prices from other companies to confirm you are receiving the best rates possible. Consumers may find a better deal by buying from different companies
  • Youthful vs. older drivers – Beginning drivers are statistically shown to be careless and easily distracted when driving therefore auto insurance rates are much higher. More experienced drivers tend to be more responsible, are lower risk to insure and get fewer tickets.
  • Low stress occupation equals lower auto insurance rates – Jobs like lawyersairline pilots and medical professionals generally have higher premiums than the average policyholder due to intense work-related stress and lengthy work days. Other occupations like actors, students and homemakers pay the least on Tracer coverage.
  • Raise coverage deductibles and save – Comp and collision deductibles represent how much money you are willing to pay out-of-pocket if a covered claim is submitted. Physical damage coverage, also known as collision and other-than-collision, insures against damage to your car. Examples of some claims that would be covered are rearending another vehicle, animal collisions, and damage from wind. The larger the amount the insured is willing to pay, the lower your rates will be on Tracer coverage.

Auto insurance rates and discounts

Some companies don’t list all possible discounts very well, so we break down a few of the more well known and the harder-to-find credits available to lower your premiums when you buy auto insurance online.

  • Defensive Driver – Completing a defensive driver class could save 5% or more and also improve your driving technique.
  • Save with More Vehicles Insured – Having multiple cars or trucks on the same auto insurance policy can get a discount for every vehicle.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and can earn a small discount on your policy.
  • Drivers Ed for Students – Teen drivers should participate in a local driver’s education class as it can save substantially.
  • Early Signing – A few larger companies offer discounts for signing up prior to your current policy expiring. You could save around 10% when you buy auto insurance online.
  • Lower Rates for Military – Being on active duty in the military could mean lower premium rates.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to use their safety belts could save 15% off the medical payments premium.
  • Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
  • Accident Free – Drivers who don’t have accidents get the best auto insurance rates as compared to bad drivers.

Consumers should know that most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way.

Some of the larger companies who may offer most of these discounts may include but are not limited to:

Double check with each company or agent to apply every possible discount. Some credits might not be available to policyholders in your state. If you would like to see a list of insurance companies with significant discounts, click here.

Situations that may require an agent’s advice

When it comes to choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

These are some specific questions may help you determine whether or not you could use an agent’s help.

  • Does having multiple vehicles earn me a discount?
  • What if I owe more than I can insure my car for?
  • Can I drive in Mexico and have coverage?
  • Am I insured when driving a different vehicle?
  • When should I not file a claim?
  • When should I remove comp and collision on my 1993 Mercury Tracer?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance policy specifics

Knowing the specifics of a car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for dental work, prosthetic devices and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance pays for damage to your Tracer resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, sideswiping another vehicle, damaging your car on a curb, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, hitting a bird, rock chips in glass, theft and damage from getting keyed. The most your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your Mercury Tracer.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Auto liability

Liability coverage can cover injuries or damage you cause to a person or their property. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as repair costs for stationary objects, bail bonds, legal defense fees, funeral expenses and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Shop. Compare. Save.

As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. There are many occasions where someone dropped comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. Your aim should be to find the BEST coverage at the best possible price while not skimping on critical coverages.

We just covered a lot of ways to lower your 1993 Mercury Tracer insurance rates. The key concept to understand is the more quotes you get, the better your chances of lowering your car insurance rates. Drivers may discover the most savings is with the least-expected company.

People who switch companies do it for any number of reasons including unfair underwriting practices, lack of trust in their agent, policy non-renewal or questionable increases in premium. Whatever your reason, finding the right insurance coverage provider is pretty easy and you might even save some money in the process.

Helpful learning opportunities