How Much Does 1995 Mercury Tracer Insurance Cost?

Searching for the cheapest car insurance rates for your Mercury Tracer? Finding affordable car insurance can be challenging for beginners to buying insurance online. People have so many companies to choose from that it can easily become a ton of work to compare prices.

Which Car Insurance is Cheapest?

Effectively comparing car insurance prices can take hours if you aren’t aware of the easiest way. You could spend your day talking about coverages with insurance agencies in your area, or you can stay home and use the internet to get pricing more quickly.

Most major companies participate in a marketplace that enables customers to enter their policy data once, and each company returns a competitive quote based on the submitted data. This eliminates the need for form submissions for each company. To compare pricing click here to open in new window.

The one disadvantage to getting quotes like this is you can’t choose the providers you will receive quotes from. So if you want to select specific providers to receive pricing from, we put together a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make absolute certain that you use identical quote information for each price quote. If you have differing limits it will be impossible to make an equal comparison. Quoting even small variations in coverage limits may result in large price differences. Just keep in mind that comparing more company’s prices helps you find the best price.

Best discounts on Mercury Tracer coverage

Companies offering auto insurance do not advertise all their discounts very clearly, so we break down some of the best known and also the lesser-known savings tricks you should be using.

  • Student Driver Training – Have your child take driver’s ed class in school.
  • Club Memberships – Affiliation with certain professional organizations could qualify you for a break on car insurance on Tracer coverage.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Homeowners Savings – Being a homeowner can help you save on car insurance because of the fact that having a home demonstrates responsibility.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • No Charge for an Accident – A few companies permit an accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% on Tracer coverage with select insurance companies.
  • Life Insurance Discount – Some companies give better rates if you take out life insurance.

It’s important to understand that most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

Car insurance companies that may offer these money-saving discounts include:

It’s a good idea to ask every prospective company what discounts are available to you. Savings may not be available in your state.

Tailor your coverage to you

When choosing coverage, there is no best way to insure your cars. Every insured’s situation is different.

For instance, these questions can help discover if you would benefit from an agent’s advice.

  • Am I covered if I wreck a rental car?
  • What is an SR-22 filing?
  • Why do I need rental car insurance?
  • Can I afford low physical damage deductibles?
  • How much liability insurance is required?
  • What happens if I owe more than my 1995 Mercury Tracer is worth?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Factors that might impact rates for a Mercury Tracer

Smart consumers have a good feel for the factors that help determine auto insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with lower auto insurance prices.

  • Add-on coverages can add up – There are quite a few extra coverages that you can get tricked into buying when buying auto insurance. Insurance for roadside assistance, accidental death and motor club memberships may be wasting your money. They may seem good when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • How credit affects auto insurance rates – Credit history is a large factor in calculating your auto insurance rates. So if your credit score is not that good, you could pay less to insure your 1995 Mercury Tracer by spending a little time repairing your credit. People with excellent credit tend to be more responsible than drivers who have lower credit scores.
  • Big city or small town – Residing in small towns and rural areas has it’s advantages when talking about auto insurance. Fewer people means fewer accidents as well as less vandalism and auto theft. City drivers have congested traffic and much longer commute distances. More time commuting can result in more accidents.
  • Having a spouse can save you money – Having a spouse actually saves money when buying auto insurance. Having a significant other is viewed as being more mature and responsible and statistics show married couples file fewer claims.
  • Never let your coverage lapse – Driving with no insurance can get your license suspended and as a result your rates will increase for letting your coverage lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a license revocation or jail time.

Advertising myths

Allstate, Geico and Progressive regularly use ads in print and on television. All the companies say the same thing that you’ll save big if you move your policy. How do they all make the same claim?

All companies have a preferred profile for the type of driver that earns them a profit. For instance, a desirable insured could be over the age of 40, a clean driving record, and chooses high deductibles. A propective insured who meets those qualifications gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who do not match the requirements will have to pay higher rates and this can result in business not being written. Company advertisements say “people who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can advertise the way they do. Because of the profiling, drivers should get a wide range of price quotes. It is impossible to predict the company that will fit your personal profile best.

Car insurance coverages for a Mercury Tracer

Knowing the specifics of a insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses for surgery, nursing services, EMT expenses, X-ray expenses and prosthetic devices. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision coverage

Collision insurance will pay to fix damage to your Tracer caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a ditch, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, damage from getting keyed, hitting a deer, fire damage and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

Liability insurance can cover injuries or damage you cause to other people or property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for claims such as repair costs for stationary objects, bail bonds, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Smart shoppers get results

Budget-conscious 1995 Mercury Tracer insurance can be bought from both online companies and with local insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

We covered many tips how you can get a better price on insurance. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may be surprised to find that the best price on insurance is with some of the smallest insurance companies.

Consumers switch companies for many reasons like poor customer service, denial of a claim, delays in responding to claim requests or high prices. It doesn’t matter why you want to switch finding the right insurance provider is easier than you think.

Much more information about insurance can be found at these links: