Buyers have lots of choices when searching for the best price on Mercury Marauder insurance. They can either spend hours driving around trying to get quotes or save time using the internet to get rate quotes.
There are both good and bad ways to compare car insurance rates so we’re going to tell you the absolute fastest way to compare rates for a Mercury and locate the lowest price either online or from local insurance agents.
The purpose of this post is to let you in on the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you should be able to lower your premiums substantially using this information. Drivers just need to understand how to get comparison quotes over the internet.
Why your Mercury Marauder might be costing you more
An important part of buying insurance is that you know the factors that come into play when calculating the price you pay for car insurance. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with big savings.
The list below includes some of the items that factor into rates.
- Battle of the sexes – Statistics show women are more cautious behind the wheel. However, this does not mean women are better drivers. Men and women tend to get into accidents at a similar rate, but the males have costlier accidents. They also receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and are penalized with high car insurance rates.
- Higher deductibles cost less – Deductibles for physical damage represent how much money you are required to spend in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims are colliding with a building, damage caused by hail, and windstorm damage. The higher the amount you’re willing to pay, the bigger discount you will receive on Marauder insurance.
- Clean credit earns discounts – Credit score is a important factor in calculating your car insurance rates. Consumers who have good credit tend to be less risk to insure than those with lower credit ratings. So if your credit history is low, you could pay less to insure your Mercury Marauder by improving your rating.
- Big city or small town – Being located in a rural area is a positive aspect when talking about car insurance. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. Less people living in that area means reduced accidents and a lower car theft rate.
- Protect yourself with liability coverage – Liability coverage will protect you when a jury decides you are liable for causing damage or personal injury in an accident. It will provide you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
Do you qualify for a discount?
Properly insuring your vehicles can get expensive, but you may find discounts to help bring down the price. Certain discounts will be triggered automatically when you quote, but a few need to be manually applied before being credited. If they aren’t giving you every credit available, you are paying more than you should be.
- Lower Rates for Military – Being on active duty in the military can result in better rates.
- Save over 55 – Older drivers may receive a discount up to 10% on Marauder insurance.
- Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
- Early Signing – Select companies give a discount for buying a policy before your current expiration date. This can save 10% or more.
- Drivers Ed for Students – Require your teen driver to complete a driver education course in high school.
- Passive Restraint Discount – Cars that have air bags can receive discounts of 20% or more.
As a disclaimer on discounts, most credits do not apply the the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, car insurance companies aren’t that generous. Any amount of discount will reduce your premiums.
For a list of insurance companies who offer car insurance discounts, click here to view.
Don’t be fooled by advertising claims
Drivers constantly see and hear ads for cheaper car insurance by Progressive, Allstate and GEICO. All the companies make the same claim of big savings after switching to their company.
How can each company say the same thing?
Insurance companies have a certain “appetite” for the right customer that earns them a profit. For example, a desirable insured could possibly be over the age of 50, is a homeowner, and has great credit. A customer getting a price quote who matches those parameters receives the best rates and as a result will probably save when switching.
Drivers who fall outside the requirements will have to pay higher rates and this can result in the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “people who quote” save that kind of money. That’s the way insurance companies can confidently advertise the way they do.
Because of the profiling, drivers must get quotes from several different companies. It’s just too difficult to predict the company that will provide you with the cheapest rates.
What coverages do I need?
When buying the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique.
For example, these questions can help discover whether your personal situation will benefit from professional help.
- Do I benefit by insuring my home with the same company?
- Am I covered when using my vehicle for business?
- Is my nanny covered when driving my vehicle?
- Do I need medical payments coverage since I have good health insurance?
- Why am I be forced to buy a membership to get insurance from some companies?
- What is the difference between comprehensive and collision coverage?
- Is a no-fault state?
- Does medical payments coverage apply to all occupants?
- Should I have combined single limit or split liability limits?
If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.
Keep this in mind
Consumers leave their current company for a number of reasons such as delays in responding to claim requests, being labeled a high risk driver, questionable increases in premium and even unfair underwriting practices. It doesn’t matter what your reason, switching car insurance companies is less work than it seems.
When buying insurance coverage, do not skimp on coverage in order to save money. There are a lot of situations where someone sacrificed collision coverage and learned later that the small savings ended up costing them much more. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.
You just read a lot of ways to get a better price on Mercury Marauder insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the lowest premiums are with some of the lesser-known companies.
