Looking for lower insurance coverage rates for your Mercury Tracer? Feel like you’re a prisoner to high-priced insurance coverage? Trust us when we tell you you’re not alone. Insurance companies such as Geico, 21st Century and Progressive persitently shower you with catchy ads and it is difficult to see through the deception and find the best price available.
It’s important that you understand the factors that come into play when calculating your car insurance rates. Understanding what influences your rates allows you to make educated decisions that can help you get lower car insurance prices.
Lowering your 1998 Mercury Tracer insurance coverage rates can be quick and easy. Drivers just need to invest a little time to compare quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.
Whichever method you choose, be sure to compare the exact same information with every price quote. If your comparisons have mixed coverages it will be next to impossible to make an equal comparison.
The cost of insuring your cars can be expensive, but you can get discounts that you may not even be aware of. Some discounts apply automatically when you complete an application, but some may not be applied and must be manually applied before you will receive the discount. If you don’t get every credit available, you’re just leaving money on the table.
Keep in mind that most discounts do not apply to the entire policy premium. A few only apply to specific coverage prices like collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, you’re out of luck. But any discount will cut the cost of coverage.
For a list of insurers with discount insurance coverage rates, click this link.
When choosing coverage, there really is no best way to insure your cars. Each situation is unique so your insurance needs to address that. For instance, these questions could help you determine if you may require specific advice.
If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.
Understanding the coverages of your car insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average car insurance policy.
Comprehensive or Other Than Collision
Comprehensive insurance will pay to fix 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 coverage protects against claims like hitting a deer, falling objects, hail damage, a tree branch falling on your vehicle and vandalism. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Collision protection
Collision coverage will pay to fix damage to your Tracer resulting from a 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 things like colliding with another moving vehicle, colliding with a tree, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.
UM/UIM Coverage
Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually these coverages are identical to your policy’s liability coverage.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for rehabilitation expenses, EMT expenses and ambulance fees. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible
Liability coverage
This provides protection from damage that occurs to other people or property in an accident. It protects YOU from claims by other people. Liability 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. Your policy might show liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage pays for things like repair bills for other people’s vehicles, legal defense fees, attorney fees, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.
While you’re price shopping online, never buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed collision coverage and found out when filing a claim that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
We covered many ways to get a better price on 1998 Mercury Tracer insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the best prices are with the least-expected company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.
Additional insurance coverage information is located at these links: