1998 Mercury Tracer Car Insurance Quotes – 6 Tips for Cheaper Rates

Consumers have options when looking for the lowest priced Mercury Tracer insurance. They can either waste time contacting agents getting price quotes or leverage the internet to make rate comparisons. There are more efficient ways to shop for car insurance so you’re going to learn the quickest way to get price quotes for a new or used Mercury and get the best price possible from both online companies and local agents.

You need to get comparison quotes quite often because rates go up and down regularly. Just because you found the best rates for Tracer coverage on your last policy you may be paying too much now. There is a lot of wrong information about car insurance online but by reading this article, you’re going to learn the easiest ways to put money back in your pocket.

Cheap Insurance Comparisons

Finding a lower price on 1998 Mercury Tracer insurance is surprisingly easy. Just spend a few minutes on the computer comparing rate quotes online with multiple companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • The first (and easiest) way to get quotes is an all-inclusive rate comparison click to view form in new window. This method prevents you from having to do multiple quote forms for every insurance company. Filling out one form gets rate comparisons direct from many companies. This is perfect if you don’t have a lot of time.
  • A more difficult way to obtain and compare quotes online requires visiting each individual company website and request a quote. For instance, let’s say you want to compare rates from Progressive, Liberty Mutual and American Family. To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  • The hardest method to compare rates is to waste gas driving to local insurance agencies. Buying insurance online makes this process obsolete unless you want the professional guidance only provided by licensed agents. You can, however, find lower rates online and get advice from an agent in your area. We’ll cover that shortly.

Which method you use is up to you, but ensure you are comparing the exact same information on every quote you get. If you use unequal deductibles or liability limits it’s not possible to determine the best price for your Mercury Tracer.

Policy discounts you shouldn’t miss

Companies offering auto insurance don’t list every discount in a way that’s easy to find, so we took the time to find both the well known and the more hidden ways to save on car insurance. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Government Employees – Simply working for the federal government can save as much as 8% for Tracer coverage with certain companies.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you could get a discount of at least 10% off all policies.
  • Student in College – Children living away from home attending college and do not have a car can be insured at a reduced rate.
  • Student Driver Training – Have your child complete a driver education course if it’s offered in school.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could save 15% off your medical payments premium.
  • Sign Online – A few companies will give a small break for buying a policy and signing up over the internet.

It’s important to understand that most discounts do not apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you’re out of luck.

Insurance companies that may offer some of the above discounts are:

Before buying, ask each company which discounts you may be entitled to. Discounts might not be offered in your state.

Insurance agents can help

When choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.

These are some specific questions can aid in determining if you might need an agent’s assistance.

  • Am I getting all the discounts available?
  • Do I need rental car coverage?
  • Is my nanny covered when driving my vehicle?
  • Does liability extend to a camper or trailer?
  • Do I need higher collision deductibles?
  • Should I sign the liability waiver when renting a car?
  • What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

What insurance coverages do you need?

Understanding the coverages of insurance can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, damage from getting keyed and hail damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage covers damage to your Tracer resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, scraping a guard rail, colliding with another moving vehicle, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for things like X-ray expenses, doctor visits, nursing services and dental work. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Mercury Tracer.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability coverages

Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as funeral expenses, legal defense fees, structural damage and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Do the work, save more money

Throughout this article, we presented some good ideas how to shop for 1998 Mercury Tracer insurance online. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with a small local company.

While you’re price shopping online, never buy less coverage just to save a little money. In many instances, consumers will sacrifice collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at a price you can afford.

Consumers switch companies for a number of reasons such as high prices, high rates after DUI convictions, delays in paying claims or even denial of a claim. Regardless of your reason, finding a new insurance coverage company is actually quite simple.

Additional insurance coverage information is available on the following sites: