Compare 2003 Mercury Marauder Car Insurance Quotes

Looking for the cheapest car insurance rates for your Mercury Marauder? Trying to find cheap car insurance can be difficult for drivers who are new to online rate comparisons. With literally dozens of companies competing online, it can quickly become a real challenge to find cheaper coverage rates.

If you are paying for car insurance now, you should be able to lower your premiums substantially using this strategy. The purpose of this post is to help you learn how to get online quotes and some money-saving tips. But drivers need to have an understanding of the methods companies use to market insurance on the web and take advantage of how the system works.

Discounts can really help to save

Properly insuring your vehicles can get expensive, but you may qualify for discounts that can dramatically reduce your bill. Some of these disounts will be visible at quote time, but a few must be asked for in order for you to get them. If you’re not getting every credit available, it’s possible you qualify for a lower rate.

  • Driver’s Education for Students – It’s a good idea to have your young drivers complete a driver education course if offered at their school.
  • Claim-Free Discount – Claim-free drivers have much lower rates when compared to policyholders that have many claims.
  • Safety Restraint Discount – Requiring all passengers to fasten their seat belts could cut 10% or more on medical payment and PIP coverage.
  • Military Deployment Discount – Having a deployed family member could be rewarded with lower premium rates.
  • Good Student – Excelling in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Discounts for New Vehicles – Putting coverage on a new car can be considerably cheaper compared to insuring an older model.

As a sidenote, some credits don’t apply to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates you could get a free car insurance policy, insurance companies wouldn’t stay in business.

If you would like to view companies with discount car insurance rates, click this link.

How to get affordable auto insurance

There are several ways to compare auto insurance quotes, but there is one way that is more efficient than others. You can waste a lot of time talking about coverages with local insurance agents in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

All the larger companies belong to an insurance system where prospective buyers complete one form, and at least one company returns a rated price based on that information. This prevents consumers from doing quote forms for each company you want a rate for.

To fill out one form to compare multiple rates now click here (opens in new window).

The one disadvantage to comparing rates this way is you can’t choose the insurers to get quotes from. So if you prefer to pick specific providers to compare, we have a page of auto insurance companies in your area. Click to view list.

The approach you take is up to you, just double check that you are using equivalent coverage data on every quote you get. If you use different data it will be nearly impossible to determine the lowest rate for your Mercury Marauder. Slightly different coverage limits could mean much higher rates. Just remember that comparing more quotes helps increase your odds of locating better pricing. Not every company does online price quotes, so it’s important to also get prices from them, too.

Get cheaper insurance rates by understanding these factors

Many factors are considered when you get a price on insurance. Some are pretty understandable such as your driving history, but other factors are less obvious like your continuous coverage or your vehicle rating.Consumers need to have an understanding of some of the factors that aid in calculating the rates you pay for auto insurance. When consumers understand what controls the rates you pay, this enables you to make decisions that can earn you lower rates.

Shown below are some of the most common factors used by your company to calculate your prices.

  • Gender matters – Statistics show that females take fewer risks when driving. It does not mean females are better drivers. Both sexes tend to get into fender benders in similar numbers, but the men get into accidents with more damage. In addition to higher claims, males also have more aggressive citations like DWI (DUI) or reckless driving.
  • If you don’t need it don’t buy it – Insurance policies have a lot of add-on coverages that may not really be needed on your auto insurance policy. Coverages for coverage for rental cars, accidental death, and motor club memberships may not be needed and are just wasting money. You may think they are a good idea when you first buy your policy, but now you might not need them so consider taking them off your policy.
  • Getting married is a good thing – Your spouse may earn you lower rates on your auto insurance bill. It generally demonstrates drivers are more responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Consolidate policies and save – Most larger insurance companies afford better rates to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount applied, you may still want to compare rates to confirm you are receiving the best rates possible.
  • What’s your car’s safety rating? – Cars with high safety ratings cost less to insure. Safe vehicles reduce the chance of injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Mercury is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Drivers with high credit save – Having a bad credit score is a large factor in determining what you pay for auto insurance. Therefore, if your credit is not that good, you could be paying less to insure your 2003 Mercury Marauder if you improve your credit rating. Consumers who have excellent credit tend to be more responsible than drivers with lower credit ratings.
  • Always keep your auto insurance in force – Going without insurance can be a fast way to pay more for auto insurance. In addition to paying higher premiums, being ticketed for driving with no insurance may earn you a fine, jail time, or a revoked license.

Will just any policy work for me?

When choosing proper insurance coverage, there is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that can aid in determining whether you would benefit from professional advice.

  • Are split liability limits better than a combined single limit?
  • Do I need motorclub coverage?
  • Do I have newly-aquired coverage?
  • Does my car insurance cover rental cars?
  • How much underlying liability do I need for an umbrella policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when pulling a rental trailer?
  • Can I make deliveries for my home business?
  • Do I have coverage if my license is suspended?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form.

Coverages available on your insurance policy

Understanding the coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Liability

This coverage will cover damage or injury you incur to people or other property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like attorney fees, bail bonds, repair bills for other people’s vehicles, medical services and loss of income. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for things like chiropractic care, doctor visits, ambulance fees, prosthetic devices and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2003 Mercury Marauder.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Collision coverage

Collision insurance pays for damage to your Marauder caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Have the Midas touch

As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. There have been many cases where someone sacrificed physical damage coverage and found out when filing a claim that it was a big error on their part. The ultimate goal is to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

Throughout this article, we presented a lot of information how to shop for 2003 Mercury Marauder insurance online. The key concept to understand is the more you quote insurance, the more likely it is that you will get a better rate. You may even find the best rates are with a company that doesn’t do a lot of advertising.

Discount 2003 Mercury Marauder insurance can be sourced online and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies may not have rate quotes online and most of the time these small, regional companies prefer to sell through independent agents.

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