How Much Does 2003 Mercury Marauder Insurance Cost?

Finding low-cost insurance for a new or used Mercury Marauder can normally be difficult, but you can learn the following methods to find lower rates. There are both good and bad ways to find insurance coverage online and we’ll show you the quickest way to compare rates on a Mercury and locate the best price possible either online or from local insurance agents.

Buying car insurance is quite easy. If you have a current auto insurance policy or are looking for a new policy, you can use these tips to find the best rates while maximizing coverage. Drivers just need to learn the proper way to buy auto insurance online.

Pieces of the Mercury Marauder insurance rate puzzle

Smart consumers have a good feel for some of the elements that help determine the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that can help you get better auto insurance rates.

  • Never go without insurance – Allowing your coverage to lapse is a quick way to increase your auto insurance rates. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a steep fine or even jail time.
  • More miles equals more premium – The more miles you rack up on your Mercury in a year the higher your rates will be. Most companies charge to insure your cars based on their usage. Cars used primarily for pleasure use can get a lower rate compared to those used for work or business. An improperly rated Marauder can cost quite a bit. Double check that your auto insurance policy is rated on how each vehicle is driven, because it can save money.
  • Your location is important – Residing in small towns and rural areas can save you money when insuring your vehicles. Fewer people means a lower chance of having an accident and a lower car theft rate. City drivers regularly have traffic congestion and longer commute times. Higher commute times can result in more accidents.
  • Your auto insurance rates can be influenced by your job – Occupations such as real estate brokers, executives and financial analysts are shown to have higher average rates in part from stressful work requirements and long work hours. Conversely, professions such as scientists, engineers and the unemployed pay the least on Marauder insurance.
  • A clean driving record saves money – Only having one speeding ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Drivers with flagrant tickets such as DUI or reckless driving are required to file a SR-22 with their state DMV in order to keep their license.
  • Sex matters – Statistics show women tend to be less risk to insure than men. However, don’t assume that women are better drivers. Both sexes are in accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets such as DWI and reckless driving.
  • Better crash test results mean better rates – Vehicles with good safety scores can get you lower premiums. The safest vehicles reduce injuries and better occupant protection means less money paid by your insurance company and thus lower rates. If your Mercury Marauder is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Theft deterrents lower rates – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.

Pay less by taking advantage of discounts

Companies don’t always advertise every available discount in a way that’s easy to find, so the following is a list of both well-publicized as well as the least known ways to save on car insurance. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Drivers Ed for Students – Have your child enroll in driver’s education if it’s offered in school.
  • Homeowners Pay Less – Owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Sign Online – Some insurance companies may give you up to $50 for buying a policy and signing up digitally online.
  • Claim Free – Claim-free drivers pay much less when compared with accident-prone drivers.
  • Seat Belts Save – Requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Memberships – Belonging to a qualifying organization may earn a discount when buying car insurance on Marauder insurance.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like medical payments or collision. Just because you may think adding up those discounts means a free policy, you won’t be that lucky.

Car insurance companies who might offer these money-saving discounts include:

It’s a good idea to ask every prospective company what discounts are available to you. Discounts may not apply everywhere.

Switch companies and save? Really?

Consumers can’t get away from ads for the lowest price auto insurance by Progressive, Allstate and GEICO. All the companies make an identical promise of big savings if you move to their company.

How does each company make the same claim? This is how they do it.

All companies have a preferred profile for the right customer they prefer to insure. A good example of a preferred risk could be over the age of 50, is a homeowner, and drives newer vehicles. Any new insured who matches those parameters is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Consumers who are not a match for this ideal profile will be charged higher prices which usually ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone that quotes” save money. That is how companies can make the claims of big savings. That is why it is so important to get as many comparisons as possible. You cannot predict which company will fit your personal profile best.

Your coverage should be tailored to you

When choosing the right insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining if you may require specific advice.

  • What if I total my 2003 Mercury Marauder and owe more than it’s worth?
  • What is high-risk coverage and where do I buy it?
  • Who is covered when they drive my 2003 Mercury Marauder?
  • Should I sign the liability waiver when renting a car?
  • Do I need to file an SR-22 for a DUI in my state?
  • What is the minimum liability in my state?
  • Am I covered when driving a rental car?
  • What exactly is covered by my policy?
  • Are rock chip repairs covered?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage information

Having a good grasp of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, theft, vandalism and damage from getting keyed. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability

Liability insurance protects you from injuries or damage you cause to other people or property that is your fault. It protects YOU against other people’s claims. It does not cover 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 commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims such as structural damage, legal defense fees, emergency aid, pain and suffering and loss of income. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Mercury Marauder.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, hitting a mailbox, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses such as hospital visits, pain medications, EMT expenses and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Be a money saver!

Discount 2003 Mercury Marauder insurance is possible from both online companies and also from your neighborhood agents, so you should compare both to have the best selection. There are still a few companies who may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, you should never reduce needed coverages to save money. There are many occasions where someone dropped liability coverage limits and found out when filing a claim that the savings was not a smart move. The aim is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

We covered quite a bit of information on how to save on insurance. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. You may even find the lowest rates come from the least-expected company.

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