Best Car Insurance Company for Mercurys (2024)

You’ll need proper car insurance coverage if you own a Mercury. Several insurers in your area are likely willing to cover your Mercury, but you’ll need to do some research to find the best car insurance company for Mercurys in your area.

Fortunately, your Mercury probably isn’t very expensive to cover. Mercury car insurance costs around $1,032 annually or $86 each month. Still, you must shop online and compare car insurance quotes to find coverage for your specific model and year.

If you search for minimum coverage, your Mercury car insurance rates will be lower than if you want a full coverage policy. Still, full coverage could help you stay protected if you’re in an accident or if someone or something damages your vehicle.

You can shop online to find Mercury car insurance quotes and compare prices to get a cheap car insurance policy in your area. Otherwise, you may pay too much for coverage. As you compare quotes, ask about discount opportunities for your Mercury coverage.

What type of car insurance do I need for my Mercury?

You can choose between full coverage or a minimum coverage policy for your Mercury. Minimum coverage or liability-only policy is often much cheaper than full coverage but does not offer as much protection if your vehicle sustains damage.

Each state has its own rules concerning minimum coverage for car insurance. However, you’ll need at least the following liability insurance coverages:

• Property damage liability: Property damage liability covers you if you cause an accident and damage someone’s car or other personal property. 
• Bodily injury liability: Bodily injury liability covers you if you cause an accident and injure or kill one or more people. Find the best bodily liability car insurance companies.

The amount of liability coverage you’ll need depends on where you live. In some states, you may also need one or more of the following types of car insurance coverage:

• Personal injury protection (PIP): Personal injury protection (PIP) auto insurance helps pay medical bills and may replace lost wages after a covered accident. Find the best personal injury protection car insurance companies.
• Medical payments (MedPay): MedPay insurance helps with hospital bills and doctor visits after a covered accident. Find the best medical payments (MedPay) coverage car insurance companies.
• Uninsured/underinsured motorist coverage: Uninsured or underinsured motorist coverage helps if someone causes an accident but doesn’t carry proper insurance coverage. Find the best uninsured/underinsured motorist coverage car insurance companies.

If your state does not require PIP, MedPay, or uninsured/underinsured motorist coverage, you may want to consider purchasing them for protection and safety.

Should I get a full coverage policy for my Mercury?

You may want to buy full coverage car insurance, but it depends on your situation. For example, full coverage helps if you cause a car accident or if someone or something damages your vehicle while it’s parked. To purchase full coverage, you’ll need the following:

• Collision insurance: Collision auto insurance helps if you cause an accident and damage your car. Collision insurance will pay for repairs up to your vehicle’s actual cash value (ACV) once you pay your deductible. Find the best collision coverage car insurance companies.
• Comprehensive insurance: Comprehensive car insurance helps if inclement weather, wild animals, theft, or vandalism cause damage to your Mercury. Find the best comprehensive coverage car insurance companies.

If your Mercury is older and has a low actual cash value (ACV), you may not need to invest in full coverage Mercury insurance. Still, for most Mercury drivers, a full coverage policy may offer the right amount of coverage and protection when you’re on the road. 

How much is Mercury car insurance? 

Mercury car insurance costs around $1,032 annually or $86 each month. Still, how much you pay will depend on several variables.

Some of the most significant factors that affect car insurance rates include:

• Age
• Gender
• Marital status
• ZIP code
• Driving history
• Credit score
• Vehicle type
• Coverage type

As you compare car insurance for a Mercury, you’ll determine which companies offer the coverage you’re looking for at a price that works with your budget. It’s important to compare quotes for car insurance, so you don’t pay too much per month.

Depending on the model and year of Mercury you own, you may find that your rates are a bit more expensive than the national average for coverage. Still, comparing quotes should help you find affordable coverage in your area. 

Can Mercury drivers get discounts on car insurance? 

You may qualify for car insurance discounts that help you save money on Mercury coverage. Some of the most common discounts for Mercury owners include: 

• Accident-free discount
• Defensive driving discount
• Safe driver discount
• Good student discount
• Military discount
• Senior discount
• Multi-car discount
• Multi-policy discount
• Safety device discount
• New car discount
• Usage-based auto insurance discount

Car insurance discounts can help you save a lot of money on car insurance. Speak with a representative from any company you’re considering to learn how much you could save on your car insurance coverage. 

Are there other ways to save on Mercury car insurance? 

You may save money on your car insurance coverage if you increase your car insurance deductible. Still, you should ensure you have enough money to pay your deductible if you ever need to file a claim. 

Keeping a clean driving record and improving your credit score can also help you save on car insurance coverage. Unfortunately, both things take time, so you may want to compare car insurance quotes annually or bi-annually to ensure your quotes improve as your driving history and credit improve.

The Bottom Line on the Best Car Insurance Company for Mercury

If you own a Mercury, you need the right car insurance. You can purchase a minimum coverage or liability-only policy that meets your state’s minimum coverage requirements at the lowest rates. Still, you may want the additional protection that comes with a full coverage policy. Adding collision and comprehensive insurance for your Mercury can save a lot of money if you ever need to file a claim. 

Mercury auto insurance costs around $1,032 annually or $86 each month. You can compare quotes from several companies to learn how much you’ll pay for coverage in your area. Without comparing quotes, you may pay too much for your coverage. 

Use our free comparison tool below to get quotes from the best car insurance companies for Mercury near you.