Best Mercury Car Insurance Rates in 2024

Once one of Ford’s luxury divisions, Mercury was discontinued in 2010 due to slow sales. However, Mercury still has a base of loyal drivers. The brand’s reliability is the main selling point, and you can still take a Mercury to a Ford dealership for repairs.

This combination of reliability and low maintenance costs makes Mercury car insurance very affordable. When you compare car insurance costs by vehicle, you’ll see Mercury is generally cheaper than many other brands.

Read on to learn more about Mercury car insurance rates and where to find a cheap car insurance policy, then compare quotes with as many companies as possible to find the right coverage at the perfect price.

Quickly compare car insurance rates for Mercury models including Milan, Montego, and Sable. Start now to find the best rates for your Mercury!

Find the Right Mercury Car Insurance Policy

Before you sign up for a policy, you should understand what each type of insurance does for your car. When you shop for coverage, these are the basic types of insurance most companies offer:

• Liability: Liability car insurance pays for damages and injuries you cause to other people in an at-fault accident. It never covers your health care needs or car repairs.
• Collision: Collision car insurance pays for your car repairs after an at-fault accident. It also covers you if you collide with an object, such as a mailbox or tree.
• Personal injury protection/medical payments: Medical payments and personal injury protection insurance pay health care bills for you and your passengers after an at-fault accident. The type you can purchase depends on your state.
• Uninsured/underinsured motorist: If a driver without enough coverage hits you, uninsured motorist insurance will pay for your car repairs and medical bills. It also covers hit-and-run incidents.
• Comprehensive: Comprehensive car insurance covers floods, fire, extreme weather, animal contact, theft, and vandalism.

Full coverage car insurance includes everything listed above and is usually required when you have a car loan or lease. It costs more, but full coverage offers much better protection for your car.

However, many Mercury drivers don’t need full coverage. Since Mercury models are at least 10 years old, you can probably get away with a minimum insurance policy. Minimum insurance is the least amount of coverage required in your state. It typically includes liability coverage, with uninsured motorist and personal injury protection often being required as well.

When your car is older and worth less than a few thousand dollars, you probably don’t need full coverage. However, you should be prepared to pay for your own car repairs if anything happens to your vehicle. Learn more about the differences between collision and comprehensive car insurance.

What Influences Mercury Car Insurance Rates

Estimating how much you’ll pay for Mercury car insurance can be difficult because there are a lot of factors to look at. Aside from the regular things that affect your insurance, like your age and location, many insurance companies are wary of older cars.

This is especially true when you’re not the car’s original owner. If you plan on buying more coverage than the minimum required amount of liability insurance, you might have to submit pictures of your Mercury before your policy will start. This helps insurance companies verify pre-existing damage in case you need to file a car insurance claim.

The average Mercury driver pays between $48 and $68 a month for car insurance, but there are several factors to consider that might change those rates. For example, the amount of coverage you want to purchase will significantly impact your rates. Mercuries often don’t need very much insurance, but the level of protection you want for your car is up to you.

How to Determine Your Mercury Car Insurance Rates

Since you can no longer buy a new Mercury, you’ll be looking at used car insurance. Although rates are generally a little lower, used car insurance rates look at the same factors as standard coverage. If you need Mercury car insurance, the following factors will affect your car insurance rates:

• Age: Younger drivers pay more for car insurance because they get into more accidents and file more claims. However, a parent or guardian can help teens keep their rates low by adding them to an existing policy.
• Gender: Men also pay more for insurance because they are more likely to drive recklessly, get into accidents, and file claims. The good news is that the price gap lessens with age. Learn how to compare auto insurance rates by age and gender.
• Your car: The type of car you drive plays a big role in your car insurance rates. For example, Mercuries usually have lower rates because they’re older cars and cheaper to replace.
• Marital status: Married people pay a little less for insurance because they file fewer claims than single drivers. Find out the cost of married car insurance vs. single car insurance.
• Driving record: Car insurance companies check driving records, so you’ll pay more for your insurance if you have any incidents in your driving record. Even a single reckless driving charge can increase your rates by 70%.
• Credit score: Most states allow insurance companies to use your credit score when calculating your rates. The higher your credit score, the less you’ll pay for coverage. Find the best car insurance companies for bad credit.
• Location: Insurance companies carefully track claims numbers, and they know how many claims are made in each ZIP code. You can see different rates by moving even a single ZIP code.

The last thing to consider for your insurance rates is how much coverage you want to buy. Since Mercuries are at least 10 years old, most drivers can get away with minimum insurance. While you can buy more coverage for your Mercury, it’s often not a cost-effective choice.

Read More: How do you get a mercury car insurance quote online?

Ways to Save Money on Mercury Car Insurance

Since Mercury was discontinued in 2010, you can only buy older, used models. Used cars tend to have cheaper rates since they’re cheaper to repair, but there are plenty of ways to lower your Mercury insurance rates. Try the tips below to find the lowest rates for your Mercury:

• Find car insurance discounts. Some of the best discounts for used cars include bundling with other policies, remaining claims-free, and maintaining a good GPA as a full-time student.
• Try a telematics program. Insurance companies offer usage-based insurance programs to help safe drivers lower their rates. If you regularly practice safe habits, you can save up to 40% on your insurance.
• Raise your deductible. Your car insurance deductible is your financial responsibility when you file a claim. Choosing a larger deductible will lower your rates, but you’ll have to pay more out-of-pocket if you need to file a claim.
• Lower your coverage. It’s important to periodically review your policy to make sure you don’t have too much insurance. You might be able to save by lowering your current coverage.
• Practice safe driving. Drivers with clean records pay less than those with speeding tickets, at-fault accidents, or DUIs.

Even if you don’t try to save on your insurance, you’ll likely see affordable rates for a Mercury. No matter what else you do, you should always compare Mercury car insurance quotes with as many companies as possible. Comparing quotes is the best way to ensure you don’t overpay for coverage.

Find the Best Mercury Car Insurance Rates Today

You might not be able to buy a brand-new Mercury today, but that doesn’t mean they’re gone. Many Mercury drivers keep their vehicles on the road for years. With the right amount of insurance, your Mercury could last for years to come.

There are many ways to save on Mercury car insurance, but none are as helpful as comparing quotes from multiple companies. The only way to find the lowest price for your Mercury is to see what different companies offer.