Mercury Car Insurance

Mercury car insurance is usually similar to any other type of car insurance unless your Mercury is an antique. Typical costs for car insurance on a Mercury are $137/mo.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 27, 2020

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Here's what you need to know...

  • Henry Ford’s son, Edsel, designed Mercury in order to make luxury cars affordable to the general public
  • Since Mercury mimicked Ford and Lincoln so much, Mercury eventually discontinued in 2010-2011
  • If you are in the market for a Mercury, you will have to buy one used
  • When purchasing a Mercury, your options for auto insurance are the same for any other vehicle, except in the case of an antique

Mercury vehicles have been around since the brand’s inception in 1938 when it was launched by Edsel Ford, the son of Henry Ford.

It was intended to produce entry-level luxury cars, filling the gap between the Ford regular models and Lincoln luxury vehicles. Mercury cars were re-engineered from the Ford platform.

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Decline of the Mercury

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Sales of Mercuries declined in the late 1990’s. The brand began to reflect the influence of Ford and Lincoln so much that production of the Mercury brand was discontinued in 2010 and 2011. The vehicles are still sold and supported by the Ford-Lincoln brand.

People who purchased the vehicles new in the years it was being produced can still get the warranty service and repairs that were given when they purchased the original vehicle.

Parts are available from Ford because most of the Mercury models were duplicated in the Ford-Lincoln brands, making the Mercury brand still a viable purchase in the automobile market.

The last Mercury brand models were:

  • Grand Marquis – an upscale luxury sedan
  • Mountaineer – replaced by the 2011 unibody Ford Explorer
  • Milan – a sedan comparable to the Ford Fusion
  • Mariner – comparable to the Ford Escape

If you are a fan of vintage movies, you’ll remember seeing the 1949 Mercury sedan in the movie, Rebel Without a Cause, starring James Dean. The ’49 Mercury was a favorite of hot rodders because it had a body that was easy to chop and channel as well as a flathead V-8 engine under the hood that lent itself to being souped up.

As the Mercury brand continued to lose its unique quality as compared to other vehicles in the Ford-Lincoln market area, sales reduced further. In spite of the efforts of the manufacturers, it was no longer feasible to keep the brand name going so it was phased out.

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Purchasing a Mercury

A new Mercury is rare since most models are no longer made. You may be able to get one from a dealer if they have a model left over from 2010, but that’s unlikely since most dealers can’t afford the space and upkeep that a discontinued model requires.

If you want to purchase one, try going online to one of the sites that connects auto purchasers with autos for sale.

Checking the cost of a 2010 Mercury Marquis with AM/FM/Cassette/CD audio system, on-the-steering wheel controls for air-conditioning and entertainment, front passenger seat warmers, 75,000 actual miles, clean, and price-adjusted to Colorado, leads to a cost of $13,452 for a Certified Used Vehicle. It’s not much compared to the cost of a new vehicle.

When checking with an online site, prices were discovered that varied from $14,490 to $16,490 for the same vehicle with the Fleet package. Of course, prices drop with the age of the vehicle and mileage.

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Buying Insurance for your Mercury

Does Mercury have car insurance? Is Mercury car insurance any good? First, insurance costs vary for a number of reasons. If you plan to purchase a vintage Mercury – one more than thirty years old, you need to contact your insurance agent and discuss the coverage with them.

After a certain point, cars attain the status of being ‘antique’ which can strongly affect their insurance costs.

This status arrives more rapidly than you might think.

Secondly, insurance companies take into consideration the premiums they will charge for a certain vehicle, they consider the probability of inexpensively purchasing parts and doing the repair for the car. This is important to consider when purchasing a vehicle whose manufacturer has discontinued the line.

How much is Mercury insurance a month? Remember, too, when requesting insurance quotes the costs of insurance vary from state to state because insurance is regulated by the state rather than by the Federal government. Insurance companies will request your ZIP code to ensure that they provide coverage in your state and area.

Necessary Information to Have Available for a Mercury Insurance Quote

  • Full names, dates of birth, driver’s license numbers, and driving records for all drivers of the prospective vehicle.
  • Limits for Bodily Injury and Property Damage Liability
  • Proposed deductibles for damage to your own vehicle – estimate what you can afford in the event of comprehensive damage and collision damage

Comprehensive damage Includes weather damage, animal damage, vandalism, and theft.

Collision damage – Pays for a situation in which you collide with something else, whether you are at fault or not.

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Estimated Insurance Costs for a 2010 Mercury Marquis

 

Since insurance costs vary by person and state, here is the hypothetical data used to obtain this quote:

Married, 38-year-old male, with an advanced degree, working as an executive; wife is 36 years old, a homemaker, with an advanced degree, both have clear driving records. They live in Colorado and the husband commutes forty miles one-way five days per week.

Projected coverage:

  • $100k/300k bodily injury liability
  • $50,000 property damage liability
  • $5,000 medical payments
  • $100k/300k uninsured motorists
  • $500 collision deductible
  • $500 comprehensive deductible
  • $75 per day, Towing and Labor

Given Discounts:

Vehicle discounts Anti-lock brakes, anti-theft devices, passive restraint

Policy discounts Married, homeowner, continuously insured

Personal discounts Safe driver, higher education

  • Company 1: $101.57 per month, $609.40 six months, $1,218.80 annually
  • Company 2: $255.00 due on signing, 4 installments of 130.11, $763.50 every six months, $1,527.00 annually
  • Company 3: $161.63 due on signing, 5 installments of $150.44, $873.00 six months, $1,746.00 annually
  • Company 4: $199.90 due on signing, 5 installments of $160.62, $999.50 six months, $1999.00 annually

Notice that the cost of insurance annually varies by the annual premium amount of $780.20.

Comparison shopping for insurance can definitely save money. Rates change according to the area in which you live, how you use the vehicle, type of vehicle, and your personal history. Shop wisely for insurance just as you do for other products.

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