Compare 1995 Mercury Tracer Insurance Rates

Want cheaper insurance rates for your Mercury Tracer? Comparing car insurance rates is not a process consumers enjoy, but it has to be done for any vehicle you drive.

It’s a great practice to compare prices on a regular basis since rates change frequently. Just because you had the lowest price for Tracer coverage six months ago the chances are good that you can find a lower rate today. Ignore everything you know about insurance because we’re going to demonstrate the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

Lots of discounts mean lots of savings

Companies that sell car insurance don’t always list every available discount in an easy-to-find place, so we took the time to find some of the best known and the harder-to-find ways to save on car insurance.

  • Sign Online – Some insurance companies give back up to $50 for buying a policy and signing up online.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Accident Forgiveness – Some insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Homeowners Savings – Owning a house can save you money because owning a home is proof that your finances are in order.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.

It’s important to understand that some credits don’t apply to the entire cost. Some only reduce specific coverage prices like comp or med pay. Just because you may think adding up those discounts means a free policy, car insurance companies aren’t that generous.

To see a list of insurers with the best car insurance discounts, follow this link.

Low Cost Insurance

To find the best insurance prices, there are several ways to get quotes and find the best price. The easiest way to find the lowest 1995 Mercury Tracer rates involves getting comparison quotes online. This can be accomplished in several different ways.

  1. The best way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating repetitive form entry for each company you want a rate for. Taking the time to complete one form will get you rate comparisons from many national carriers. It’s definitely the quickest method.
  2. A more difficult way to obtain and compare quotes online is to take the time to go to each company website and request a quote. For instance, we’ll pretend you want to compare rates from State Farm, Farmers and American Family. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The hardest method of getting rate comparisons is to waste gas driving to local insurance agencies. Buying insurance online has reduced the need for local agents unless you require the professional guidance of a licensed agent. Drivers can get prices online and get advice from an agent in your area and we’ll touch on that later.

Whichever way you use, ensure you are comparing exactly the same coverage limits and deductibles with every price quote. If your comparisons have unequal deductibles or liability limits it will be very difficult to decipher which rate is best. Having just a slight variation in limits can result in a big premium difference. And when comparing insurance rates, know that getting more free quotes will increase your chances of finding a lower rate.

Situations that might require an agent

When it comes to choosing adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

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

  • Am I insured when driving a different vehicle?
  • What discounts do I qualify for?
  • Is my cargo covered for damage or theft?
  • Where can I find DUI or SR-22 insurance?
  • What is covered by UM/UIM coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is there coverage for injuries to my pets?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I buy more coverage than the required minimum liability coverage?
  • How do I buy GAP insurance?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

Insurance specifics

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability insurance

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

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as loss of income, medical expenses, court costs and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Mercury Tracer.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses for things like rehabilitation expenses, EMT expenses, dental work and nursing services. They are used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

This coverage pays for damage to your Tracer caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as scraping a guard rail, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, hitting a deer, falling objects and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Saving money makes a lot of cents

Budget-conscious 1995 Mercury Tracer insurance is possible on the web and also from your neighborhood agents, and you need to price shop both to have the best selection. A few companies may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

We’ve covered some good ideas how to shop for insurance online. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from the smaller companies.

As you prepare to switch companies, make sure you don’t skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage for the lowest price.

Additional auto insurance information is available at the links below