Mercury Car Insurance
Mercury is the luxury car division of the prestigious Ford Motor Company. It has been around since 1939 and is known for its performance on the road. Mercury is the middle ground between the traditional Ford models and Ford's higher branded luxury vehicles- the Lincoln. They are affordable yet offer a more glamorous driving experience than some of the other models offered by the Ford Motor Company. Because of their diversity, Mercury has a sound following in the United States for both single city workers and suburban families. Furthermore, because of their dependability on the road, Mercury car insurance is actually incredibly affordable to purchase which makes the decision to drive one of Ford's mid-luxury models an even wiser one.
What's New with Mercury?
Mercury's 2009 lineup has everyone talking. With five new vehicles making their grand entrance onto the highway, there is a vehicle for any type of driver. For those who want comfort in a simple design, the four-door Milan is a great choice. It offers an excellent driving experience for as low as $21,000. The four-door Mariner is a great choice for SUV drivers who want to make waves on the road without damaging the environment. The Mariner comes in a hybrid model and starts as low as $23,000. The four-door Sable is an excellent little car for the busy city driver starting at $25,000 while the Grand Marquis features a more luxurious ride from a four-door mid-sized vehicle. For those looking to enjoy the great outdoors and the long drive ahead, the Mountaineer may be more your style. Starting at $29,000, the Mountaineer features Sirius radio, a full navigation system and a sleek four-door design making this SUV a top choice for many drivers. Although the future of Ford's glamour child is unknown due to this global economic recession, Mercury drivers can be assured that these cars will always be a hit on the highway.
Understanding Mercury Car Insurance
Determining how much you will pay for insurance depends on several factors. It's important to understand that the system for figuring out how much your car coverage will be is a complex process which is why it is so important to tell the truth when using a quotation car insurance wizard. If you lie about your age, driving history or type of car you drive, then your coverage will be rendered useless when you need it most.
So, what determines the price of your car insurance? First of all is the geography. Where you live- city or country- affects your premiums depending on how many car accidents occur in that city. Furthermore, the level of theft and vandalism in your region will also affect your car premium rating. Another factor is you, the driver. Your age, your experience on the road, your driving history and how much you plan to drive will all affect how much you will pay.
Finally, the type of car you choose will also impact your Mercury automobile insurance price. Car insurance companies will rate their vehicle premiums based on how much the repairs normally cost and how well the vehicles fair on the road. Your car insurance cost is based on a premium set by the International Organization for Standardization or ISO. In general, the lower the ISO rating, the cheaper your car insurance will be. Some of the highest ranked vehicles, such as the Mercedes Benz SL500 and the Porsche 911 have ISO ratings of over 25.
Where Does Mercury Fit In? Mercury Car Insurance Premiums
Mercury vehicle insurance is actually quite affordable. Unlike its competition, this luxury vehicle has a low ISO rating which means lower car insurance. Both the Sable and the Grand Marquis have ISO ratings of only 10, which is one of the best ratings possible and also well below the national ISO average.
According to the Insurance Institute of Highway Safety, Mercury is one of the top safety picks in its class. In fact, the Mariner, the Sable and the Milan have all earned Top Safety Awards for 2009. Furthermore, the Grand Marquis has one of the lowest theft claims in the country which means more and more Mercury car insurance companies are willing to offer their drivers a deal on cheap car coverage.
One of the best ways to get a good deal on Mercury car insurance is to do your research. This is as simple as sitting down at a computer and jumping online. Check various quotes for Mercury automobile insurance through a coverage wizard and compare the ones that are right for you. Keep in mind that the price will depend on what type of Mercury auto insurance you want. Essentially there are two types of insurance- liability coverage and physical damage coverage. Liability is mandatory in all states while most people will choose to purchase the extras, just in case. Below is a rundown of the basics and extras when it comes to Mercury car insurance:
Property Damage Liability - this comes into effect if you are ever held accountable for an accident and cause damage to the other vehicle or property. This coverage will pay for the repairs and replacements involved. This is mandatory in all states.
Bodily Injury Liability - this comes into effect if you are responsible for an accident that causes injury or death to someone. This will cover the costs involved with injury or death. This is mandatory in most states.
Uninsured Motorist Coverage - this comes into effect if you have been injured or your car damaged during an accident where the other driver is to blame but has little to no car insurance.
Collision Coverage - this comes into effect to pay for the costs of repairing your own vehicle in an accident where you are to blame. This is not mandatory in all states but many people will choose to include collision coverage in their quotes for Mercury vehicle insurance.
Comprehensive Coverage - this comes into effect to pay for the costs of repairing your own vehicle through an accident caused by the 'acts of God.' This includes damage caused by theft, vandalism, floods, fires, storms, hurricanes, etc. Again, comprehensive coverage is not mandatory but often purchased by drivers.
Personal Injury Coverage - this comes into effect if there are any medical expenses incurred from an accident, regardless of who caused it. Your personal injuries will be covered by your policy. Personal injury coverage is also not mandatory but most drivers will get this type of Mercury car insurance as well, just in case. It's better to be safe than stuck in a hospital bed without it.
Purchasing Mercury car insurance is not something you should do without first doing a simple comparison of prices. You can stand to save hundreds a year just by comparing and selecting the right Mercury auto insurance for your driving needs. Make sure you take into consideration all aspects of your lifestyle including your driving habits, your family situation, your daily commuting time and your experience on the road. Mercury is most certainly ahead of its class when it comes to reliability and safety. Shouldn't your Mercury car insurance provide you with the same assurance?