There have been many car brands that haven’t survived to today — Saturn, Oldsmobile, and Pontiac often come to mind. While most discontinued brands slowly fade from public streets, Mercury is one brand that still has a loyal following.

Once a luxury division of Ford, Mercury was discontinued in 2010 after lagging sales. Today, you can only buy Mercuries as used cars. The good news is that Mercuries make excellent used cars, especially since you can find replacement parts at Ford dealerships.

Many Mercury drivers opt for minimum insurance, which is the least amount of coverage required in your state (Read more: Auto Insurance Requirements by State). However, even a used Mercury still offers a luxurious ride, so buying more coverage might be better for you.

Although Mercury auto insurance rates are usually low, there are plenty of ways to find even more affordable Mercury auto insurance quotes. Learn more about Mercury auto insurance quotes, then compare rates with as many companies as possible to find the right policy for you.

How much is auto insurance for a Mercury?

Auto insurance for Mercury vehicles is usually cheaper than for brand-new cars. Some used cars have higher insurance rates because replacement parts are hard to find, but Mercury drivers don’t have that problem. Since replacing or repairing a Mercury is relatively easy, insurance rates tend to stay low.

Before you look at insurance rates for a Mercury, you should understand what factors affect your policy. Whether you’ve bought a brand-new vehicle or a used Mercury, the same factors affect your coverage. These factors include:

• Your car: The car you drive is one of the most important aspects of your insurance rates. Insurance companies look at your car’s model, age, and title history to determine how risky it would be to insure your vehicle. Many drivers believe red cars have higher insurance rates, but the color does not affect your prices.
• Gender: Since men are more likely to file claims, cause accidents, and engage in reckless behaviors, they pay more for insurance. However, the price difference between men and women lessens with age.
• Age: Another demographic insurance companies carefully track is age. Young drivers pay more for insurance because they often lack the experience to avoid dangerous driving situations.
• Location: Companies can look at how many claims are filed in each ZIP code. You’ll see lower rates if you live in an area with low car crime rates, accidents, and other claims.
• Marital status: Single, divorced, and widowed people file more claims than married couples, so they tend to pay a little more for their auto insurance.
• Driving history: Incidents like speeding tickets or at-fault accidents are red flags for auto insurance companies. You might need high-risk auto insurance if you have too many incidents.
• Credit score: Insurance companies can use your credit score to determine your rates in most states. The higher your score, the less you’ll pay for insurance.

While most companies use the same factors to craft insurance quotes, they use them in unique formulas. It’s important to compare quotes from several companies since it’s hard to know where you’ll find your lowest rates. If you skip the crucial step of comparing quotes, you’ll likely overpay.

With all these factors in mind, Mercury auto insurance is usually cheap. The average Mercury owner pays between $48 and $68 a month for auto insurance.

Although rates are usually low, Mercury auto insurance quotes can be difficult to estimate. The newest Mercury you could buy is over 10 years old, which makes estimating your insurance rates more challenging.

What types of Mercury auto insurance do you need?

While there are several types of auto insurance on the market, most drivers look for two main policies when looking at Mercury insurance reviews — minimum insurance and full coverage. Minimum insurance is the least amount of coverage you can buy in your state and still legally drive. Full coverage costs more, but it offers much better protection for your car.

Whether you want Mercury insurance full coverage or minimum insurance, most companies offer the following basic types of coverage:

• Liability: Auto liability insurance covers damage and injuries you cause to other people and their property. Most states require liability insurance before you can drive or register your vehicle (Read more: Affordable Liability Auto Insurance Coverage).
• Comprehensive: Comprehensive insurance covers damage outside of accidents. This damage includes extreme weather, floods, fires, animal contact, theft, and vandalism (Read more: Affordable Comprehensive Auto Insurance Coverage).
• Collision: Liability insurance doesn’t pay for your car repairs after an at-fault accident. If you want help with your car, you need collision insurance.
• Uninsured/underinsured motorist: Although most states require insurance, some drivers go without it. If someone hits you without enough coverage, uninsured motorist insurance will pay for your repairs (Read more: What happens if you hit an uninsured driver?).
• Personal injury protection/medical payments: Depending on the state you live in, you can purchase medical payments or personal injury protection insurance to pay for your medical expenses after an accident (Read more: Affordable Personal Injury Protection (PIP) Auto Insurance Coverage).

Since Mercuries are at least 10 years old, many drivers opt to save money on their insurance and buy the bare minimum their state requires. Full coverage costs more and offers protection many used cars don’t need, so current Mercury owners can skip the extra insurance (Read more: Affordable Full Coverage Auto Insurance).

Tips to Save on Mercury Auto Insurance Rates

Mercury auto insurance is almost always on the low side, but today’s rising prices mean everyone should try to save where they can. If you drive a Mercury and want to save, try the following methods:

• Raise your deductible. Your auto insurance deductible is the portion you need to pay before your insurance kicks in when you file an auto insurance claim. If you choose a higher deductible, your monthly rates will be smaller.
• Look for discounts. Auto insurance discounts are valuable tools to lower your rates. The company you buy insurance from should have several auto insurance discounts you qualify for.
• Reduce your coverage. Since Mercuries are older cars, you can save by buying the least amount of coverage you need. If you have questions about how much insurance you need, a representative from your company can help.
• Find a usage-based insurance program. To help low-mileage drivers, most companies offer a usage-based insurance program. The programs reward drivers for their safe driving habits, including limiting their miles and driving during the day.
• Improve your credit score. It isn’t a quick solution, but you can lower your rates by improving your credit score.

Even without using the tips listed above, you’ll probably find cheap Mercury auto insurance. As a reliable, safe used car, most insurance companies charge much less than they would for other vehicles.

Find the Best Mercury Auto Insurance Quotes Today

Although Mercury was discontinued in 2010, it still maintains a reputation as a reliable luxury vehicle. However, you won’t have to pay luxury prices for Mercury auto insurance — most companies charge less for used auto insurance.

Mercury drivers typically see affordable rates due to the age of their car, but you don’t have to settle for the first price you see. Before you sign up for a policy, make sure to compare quotes from different companies.