2003 Mercury Marauder Car Insurance Cost

Looking for the cheapest car insurance rates? Shoppers have many options when shopping for low-cost Mercury Marauder insurance. They can either spend hours struggling with agents to get rate comparisons or utilize the internet to find the lowest rates.

There is a right way and a wrong way to buy car insurance and we’ll show you the best way to price shop coverage for your Mercury and obtain the lowest price.

It is always a good idea to check car insurance prices yearly due to the fact that insurance rates are usually higher with each renewal. Even if you think you had the best rates on Marauder insurance two years ago you can probably find a better price now. Ignore everything you know about car insurance because you’re about to learn how to use online quotes to find better coverage at a better price.

Discounts are basically free money

Insurance can cost an arm and a leg, but you may find discounts that you may not even be aware of. Most are applied when you get a quote, but a few need to be requested specifically before you get the savings. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Government Employees – Employees or retirees of the government could cut as much as 10% off on Marauder insurance with a few auto insurance companies.
  • Save with a New Car – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Senior Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums on Marauder insurance.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. The discount lasts until age 25.
  • Safety Course Discount – Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Claim Free – Good drivers with no accidents pay less when compared with drivers who are more careless.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.

Drivers should understand that most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like it’s possible to get free car insurance, you’re out of luck. But all discounts will bring down the cost of coverage.

For a list of companies who offer auto insurance discounts, click here to view.

Which insurance is the “right” coverage?

When buying proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether you might need professional guidance.

  • Do I have coverage when using my vehicle for my home business?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my trailer covered?
  • Do I need PIP coverage since I have good health insurance?
  • Do I have coverage if my license is suspended?
  • Does my policy pay for OEM or aftermarket parts?
  • When should I remove comp and collision on my 2003 Mercury Marauder?
  • Should I get collision insurance on every vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • When can my company non-renew my policy?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Drivers who switch save $382 a year? Really?

Consumers get pounded daily by advertisements for car insurance savings by companies like State Farm, Allstate and Geico. All the companies say the same thing that you’ll save big after switching to them.

How can each company make almost identical claims?

All companies have a preferred profile for the right customer that earns them a profit. A good example of a desirable insured might be profiled as between the ages of 40 and 55, is a homeowner, and chooses high deductibles. Any driver who matches those parameters gets the lowest rates and therefore will save when switching.

Potential customers who fall outside the requirements will have to pay a higher premium and ends up with business going elsewhere. The ads state “customers that switch” but not “drivers who get quotes” save that much. This is how insurance companies can confidently make the claims of big savings.

Because of the profiling, it’s extremely important to compare as many rates as you can. You cannot predict which insurance companies will give you the biggest savings on Mercury Marauder insurance.

Parts of your auto insurance policy

Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Liability

This provides protection from damage or injury you incur to other’s property or people in an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

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 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like bail bonds, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Collision coverage

This coverage will pay to fix damage to your Marauder caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, hitting a parking meter, driving through your garage door, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as X-ray expenses, surgery, pain medications and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive protection

This coverage will pay to fix 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 coverage pays for things like hitting a bird, hitting a deer and damage from getting keyed. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

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

Coverage on a shoestring budget

Insureds change insurance companies for a variety of reasons including lack of trust in their agent, questionable increases in premium, not issuing a premium refund and poor customer service. Regardless of your reason for switching companies, finding a great new company is actually quite simple.

While you’re price shopping online, never reduce needed coverages to save money. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at the best price, not the least amount of coverage.

Throughout this article, we presented a lot of information how to save on 2003 Mercury Marauder insurance. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from a small local company.

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