1997 Mercury Tracer Car Insurance Cost – 7 Ideas for Best Prices

Have you had enough of paying out the nose to buy car insurance? Your situation is no different than most other car owners.

Multiple car insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurers and get the best coverage at the cheapest price

You should make it a habit to check insurance prices occasionally because prices change regularly. If you had the best deal for Tracer coverage on your last policy the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because we’re going to demonstrate the things you must know in order to find better coverage at a better price.

The fastest way that we advise to get policy rate comparisons is to know the trick auto insurance companies participate in online systems to give you rate quotes. To begin a comparison, all you need to do is provide information like distance driven, if you require a SR-22, whether you drive to work or school, and if you have a valid license. Your insurance information is instantly sent to insurance companies and they return rate quotes very quickly.

Do you qualify for a discount?

Insuring your vehicles can cost a lot, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be applied when you purchase, but a few need to be manually applied before they will apply.

  • Discount for Life Insurance – Some companies give a break if you buy life insurance from them.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Distant Student – Kids in college living away from home attending college and do not have a car can receive lower rates.
  • More Vehicles More Savings – Having multiple cars or trucks on the same insurance coverage policy could earn a price break for each car.
  • Military Rewards – Having a family member in the military could mean lower rates.

Keep in mind that some of the credits will not apply to the entire cost. Some only reduce individual premiums such as collision or personal injury protection. Just because it seems like you can get free auto insurance, you won’t be that lucky. But any discount will help reduce the cost of coverage.

Insurance companies who might offer some of the above discounts include:

Double check with all companies you are considering which discounts you may be entitled to. Savings may not apply everywhere.

What coverages do I need?

When it comes to buying adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions can help discover whether or not you might need an agent’s assistance.

  • Am I covered when delivering products for my home-based business?
  • Am I missing any policy discounts?
  • Why am I required to get a high-risk car insurance policy?
  • If I drive on a suspended license am I covered?
  • Do I have coverage when using my vehicle for my home business?
  • Does my 1997 Mercury Tracer need full coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Do drivers who switch really save?

Insurance coverage companies such as Allstate and Progressive regularly use ads in print and on television. They all seem to have a common claim that you’ll save big if you move to them. How do they all make the same claim? It’s all in the numbers.

All the different companies have a certain “appetite” for the driver they prefer to insure. An example of a desirable insured might be profiled as over the age of 50, has no tickets, and chooses high deductibles. A customer who meets those qualifications is entitled to the best price and as a result will probably save a lot of money.

Consumers who fall outside this ideal profile will be charged higher premiums and this can result in the driver buying from a lower-cost company. The ads state “people who switch” not “everybody who quotes” save money. That is how insurance companies can confidently make the claims of big savings.

That is why you need to get as many quotes as possible. It’s not possible to predict which company will fit your personal profile best.

Coverage specifics

Knowing the specifics of a insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses for dental work, funeral costs, pain medications and surgery. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive protection

This coverage pays to fix your vehicle from 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 insurance covers things such as hitting a bird, damage from a tornado or hurricane, vandalism, a broken windshield and hitting a deer. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverages

Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as medical expenses, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision insurance

Collision coverage pays for damage to your Tracer resulting from a 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 colliding with another moving vehicle, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Best coverage at the best price

While you’re price shopping online, never skimp on coverage in order to save money. In many cases, an accident victim reduced physical damage coverage only to find out they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

Throughout this article, we presented some good ideas how to reduce 1997 Mercury Tracer insurance prices online. The key thing to remember is the more providers you compare, the better your comparison will be. You may be surprised to find that the best prices are with a lesser-known regional company. Smaller companies may only write in your state and offer lower rates compared to the large companies like Progressive or Geico.

Additional detailed information is available in these articles: