Buy Cheap Mercury Auto Insurance in 2023

Mercury was once a division of Ford, offering luxury models somewhere between regular Fords and Lincolns. Due to lagging sales, Ford officially discontinued the Mercury brand in 2010.

While you can’t buy new Mercuries, they make excellent used vehicles. Mercury still has a loyal fanbase, partly because you can still get a Mercury serviced at Ford dealerships and specialty shops.

Used cars typically have cheaper insurance rates because they cost less to repair or replace. You also might be able to skip full coverage auto insurance, which helps keep rates even lower. Since you can only buy used Mercuries, you can get cheap auto insurance.

Read on to learn more about finding cheap Mercury auto insurance. Then, compare Mercury auto insurance rates with as many companies as possible to find the best policy for your Mercury.

How much is auto insurance for a Mercury?

Auto insurance for used cars is usually cheaper than it is for new ones. Mercury cars tend to have low insurance rates, mainly because it’s usually not hard to find replacement parts.

There are several factors that affect your Mercury auto insurance quotes, even when you buy a used car. Before you look at the price of Mercury car insurance, you should understand how insurance quotes are determined. Most companies look at the following factors:

• Age: Insurance companies are essentially trying to guess how likely you are to file a claim — the riskier you are, the more your coverage will cost. Since young drivers lack experience and a driving history, auto insurance for teenagers comes with the highest rates.
• Gender: Statistically, men are more likely than women to file claims, cause accidents, or drive recklessly. While men pay more for insurance, the price gap lessens with age.
• Location: Companies have detailed statistics about how many claims are filed by ZIP code. If fewer claims or accidents happen in your area, you’ll pay less for insurance.
• Marital status: Since married people file fewer claims than single drivers, most companies give them a small discount. This discount often only applies when both partners are on the policy. Learn more about auto insurance for married couples here.
• Credit score: Most states allow insurance companies to use your credit score as a determining factor in your Mercury auto insurance rates. Drivers with higher credit scores pay less for coverage. Learn about how to get cheap auto insurance for drivers with bad credit here.
• Your car: Many aspects of your car affect your Mercury auto insurance rates — its age, model, and title history. According to the Insurance Information Institute, the popular myth about the color of your car affecting your insurance rates is not true, however.
• Driving history: Since Mercury auto insurance quotes are about checking your riskiness, your driving history is one of the most influential factors. If you have too many incidents, you might need high-risk auto insurance. People with DUIs, speeding tickets, or at-fault accidents pay much more for insurance.

As you can see, insurance quotes can be complicated. In addition to these factors, each company uses its own unique formula to determine your Mercury auto insurance rates. This is why it’s crucial to compare car insurance quotes before signing up for a policy — your first quote probably won’t be your cheapest.

Keeping in mind the above factors, the average Mercury driver pays between $48 and $68 a month for insurance. Estimating how much you might pay in rates for a used Mercury can be difficult, however, since even the newest models are over 10 years old.

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What types of Mercury auto insurance do you need?

There are two main types of policies people buy — minimum and full coverage. Minimum insurance refers to the least amount of coverage you can buy and still legally drive in your state. Full coverage is a suite of insurance products that offers much better protection for your car. Full coverage for a Mercury costs more, but many drivers appreciate the additional protection.

Most companies offer enough coverage to provide both types of policies. These coverages are:

• Liability: Liability auto insurance covers damage and injuries to others you cause in an at-fault accident. It does not cover your repair or medical bills.
• Collision: Collision insurance covers your car after an accident, even if you caused it. It also pays for car repairs if you hit a stationary object, like another parked car.
• Comprehensive: For all of life’s unexpected events, there’s comprehensive insurance. Comprehensive insurance covers damage from theft, vandalism, extreme weather, fire, floods, and animals.
• Uninsured/underinsured motorist: While most states require drivers to buy insurance before they drive, not everyone follows the law. Buying uninsured motorist insurance protects you against drivers without enough coverage.
• Medical payments/personal injury protection: Health care costs can get expensive quickly. If you have medical payment or personal injury protection insurance, it will cover medical bills for you and your passengers.

When you buy full coverage, you’ll be purchasing everything listed above. Full coverage offers valuable protection, but you might not need it for a used Mercury. Depending on how much the car is worth, many used vehicle owners opt for minimum insurance to keep their costs down.

Tips to Save on Mercury Auto Insurance Rates

Although Mercuries come with affordable insurance, it never hurts to save a little more. Drivers who are looking to save on their Mercury car insurance should try the following tips:

• Look for discounts. The number of auto insurance discounts a company offers is a crucial thing to look at when shopping for coverage. Some of the most popular discounts include those for good driving, bundling policies, and passing a defensive driving course.
• Keep your record clean. Traffic incidents like speeding tickets, DUIs, or at-fault accidents can significantly increase your insurance rates. Keeping your record as clean of infractions as possible will keep your rates low.
• Enroll in a telematics program. Usage-based insurance programs help drivers save up to 40%, depending on the company. These programs track your driving habits and mileage, with safe drivers saving the most.
• Add security systems. Extra security is always a good idea, even for a used car. Installing security features like GPS tracking or an audible alarm usually lowers your insurance rates.
• Keep your car safe. Insurance companies want to know your car is kept in a safe spot when you’re not driving it. You’ll pay less for insurance if you park in a covered garage or private driveway every night.

While the tips listed above are excellent for lowering your insurance rates, you’ll probably find affordable prices for a Mercury even if you don’t use them. Of course, one of the most important ways to keep your rates low is to compare rates with as many companies as possible.

Find the Best Mercury Auto Insurance Today

Mercury was once a luxury division of Ford that sold quality, reliable vehicles. Although the division was shut down in 2010, Mercury is still a sought-after brand. Today, Mercuries are known as reliable used vehicles that come with affordable insurance rates.

Although Mercury auto insurance is generally affordable, you should still research your options. Comparing Mercury car insurance quotes with as many companies as possible is the best way to find the right policy for you.

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