1997 Mercury Mountaineer Insurance Cost

Trying to find more affordable car insurance can seem to be frustrating for drivers new to quoting coverage prices online. With so many agents and online companies available, it can easily become a chore to find cheaper coverage rates.

It’s a good habit to shop coverage around periodically because insurance prices are rarely the same from one policy term to another. Just because you had the best rate for Mountaineer insurance last year other companies may now be cheaper. You can find a lot of information about car insurance on the web, but in just a couple of minutes you can learn some great ways to find affordable car insurance.

How much does insurance coverage cost?

Most larger insurance companies give prices for coverage online. Comparing prices online is very simple because it’s just a matter of typing in your personal and coverage information into the quote form. Upon sending the form, the company’s rating system will order your credit score and driving record and generates a price based on the data you entered.

Online price estimates makes it a lot easier to compare rates but the time it takes to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. But it’s also necessary to do this if you want to get lower prices.

Compare rates the easy way

The quickest way to lower your insurance coverage bill makes use of a single form to get prices from a lot of companies. It saves time, reduces the work, and makes rate comparisons much more enjoyable. After sending the form, your coverage is rated and you are able to buy any of the quotes that you receive. If you find a better price you simply finish the application and buy the policy. This process just takes a couple of minutes and may result in a nice savings.

To save time and find out what other companies charge, click here to open in a new tab and submit the form. To compare your current rates, we recommend you type in just like they are on your policy. Doing this assures you are getting a rate comparison for similar coverage.

Get lower rates by earning discounts

Companies do not advertise the entire discount list in an easy-to-find place, so we researched some of the best known in addition to some of the lesser obvious ways to save on insurance coverage. If you do not double check each discount you qualify for, you are throwing money away.

• Paperless Signup – Some companies will provide an incentive get insurance online.
• Use Seat Belts – Forcing all vehicle occupants to use a seat belt can save up to 15% off the PIP or medical payment premium.
• Telematics Data Discounts – Drivers that enable their insurance coverage company to study their driving habits through the use of a telematics system like Allstate’s Drivewise could save a few bucks if they show good driving skills.
• Student Driver Training – Teen drivers should successfully complete driver’s ed class if it’s offered in school.
• Accident Free – Claim-free drivers have much lower rates in comparison to accident-prone drivers.

Keep in mind that some credits don’t apply to your bottom line cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. But all discounts will bring down the amount you have to pay.

The best insurance coverage companies and their offered discounts are:

• Progressive has discounts for multi-vehicle, good student, online quote discount, continuous coverage, and multi-policy.
• The Hartford includes discounts for anti-theft, defensive driver, good student, driver training, and bundle.
• Mercury Insurance may have discounts that include type of vehicle, location of vehicle, annual mileage, anti-theft, accident-free, and ease of repair.
• Geico policyholders can earn discounts including anti-lock brakes, good student, membership and employees, daytime running lights, emergency military deployment, and military active duty.
• AAA has savings for multi-policy, good driver, AAA membership discount, multi-car, education and occupation, pay-in-full, and anti-theft.
• State Farm offers discounts including good student, student away at school, multiple policy, good driver, driver’s education, and defensive driving training.

When comparing rates, check with each company or agent which credits you are entitled to. Discounts may not be available everywhere.

Your insurance coverage coverage should be tailored to you

When buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Each situation is unique.

For example, these questions may help highlight whether you would benefit from professional advice.

• How much liability do I need to cover my assets?
• Should I buy more coverage than the required minimum liability coverage?
• Do I have coverage if my license is suspended?
• How much underlying liability do I need for an umbrella policy?
• Are my tools covered if they get stolen from my vehicle?
• What can I do if my company won’t pay a claim?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Why your insurance prices might be higher

Many things are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, but some are less obvious like your continuous coverage or your financial responsibility.When buying insurance coverage it’s important to understand the factors that play a part in calculating insurance coverage rates. If you have some idea of what impacts premium levels, this enables you to make decisions that could result in lower rates.

• Raising physical damage deductibles lowers prices – Physical damage protection, also called ‘full coverage’, covers damage that occurs to your Mercury. Some examples of covered claims could be colliding with a building, vandalism, and having your car stolen. Deductibles for physical damage tell how much you are willing to pay in the event of a claim. The more expense you are required to pay out-of-pocket, the less your insurance coverage will be for Mountaineer insurance.
• Drive less and save – The higher the miles on your Mercury annually the higher your rates will be. A lot of companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars and trucks that are left in the garage can be on a lower rate level as compared to vehicles used primarily for driving to work. Having the wrong rating on your Mountaineer may be costing you. Verify your policy properly reflects the correct usage for each vehicle, because it can save money.
• Men pay more for insurance coverage – Over the last 50 years, statistics have shown that women are safer drivers than men. However, this does not mean men are worse drivers. They both cause accidents in similar numbers, but the males tend to have higher claims. Not only are claims higher, but men have more aggressive citations like reckless driving and DUI.
• Getting married brings a discount – Walking down the aisle may earn you lower rates on your insurance coverage policy. Having a spouse means you’re more mature than a single person and insurance companies reward insureds because married couples file fewer claims.
• Bad drivers pay high premiums – Attentive drivers pay lower auto insurance prices as compared to those with violations. Only having one moving violation may increase your cost by twenty percent. Drivers unfortunate enough to have license-revoking violations such as reckless driving or DUI might be required by their state to submit a SR-22 form with their state’s department of motor vehicles in order to prevent a license revocation.
• Your occupation is a factor – Careers like judgespolice officers and financial analysts have higher premiums than the average policyholder attributed to intense work-related stress and extremely grueling work hours. On the flip side, careers such as farmers, students and the unemployed receive lower rates for Mountaineer insurance.
• Where you call home plays a part – Having an address in a rural area is a positive aspect when shopping for auto insurance. People who live in big cities regularly have more aggressive driving styles and more severe claims. Fewer drivers means a lower chance of having an accident and lower theft and vandalism rates.

Auto insurance coverage information

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive protection – Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a broken windshield, a tree branch falling on your vehicle, theft and damage from flooding. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision – Collision insurance will pay to fix damage to your Mountaineer caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, damaging your car on a curb, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured or underinsured coverage – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Mercury Mountaineer.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense coverage – Med pay and PIP coverage kick in for expenses for rehabilitation expenses, hospital visits and chiropractic care. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance – This coverage will cover damage or injury you incur to a person or their property in an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, repair costs for stationary objects, structural damage, court costs and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

More quotes mean more savings

You just learned a lot of tips how to compare 1997 Mercury Mountaineer insurance premium rates online. It’s most important to understand that the more times you quote, the better your chances of lowering your prices. You may be surprised to find that the lowest premium rates come from some of the lesser-known companies.

Insureds leave their current company for any number of reasons including not issuing a premium refund, delays in responding to claim requests, lack of trust in their agent and even being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company is easier than you think.

Some insurance companies may not provide rates over the internet smaller providers provide coverage only through independent agents. Cheap 1997 Mercury Mountaineer insurance is definitely available both online and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from.

Additional information can be read at the links below

• Child Safety FAQ (iihs.org)
• Think You’re a Safe Driver? (State Farm)
• Teen Driving Statistics (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)