Save on 1998 Mercury Mountaineer Car Insurance Cost

Are you kicking yourself for buying an expensive insurance coverage policy? Don’t feel bad because you’re not alone. Numerous insurance companies battle to insure your vehicles, so it’s not easy to compare every company to discover the definitive best rates possible.

If you are insured now or need new coverage, you can use these tips to cut your premiums while maintaining coverages. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to learn the tricks to find the lowest price on the web.

Insurance Discounts

Car insurance is not cheap, but there are discounts available to help bring down the price. Certain reductions will be credited at the time of quoting, but some discounts are required to be specially asked for in order for you to get them.

• Fewer Miles Equal More Savings – Driving less could qualify for lower prices due to less chance of an accident.
• Discount for New Cars – Insuring a new car may earn a small discount since newer vehicles have better safety ratings.
• Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents and the ABS can save up to 10%.
• Drivers Education – It’s a good idea to have your young drivers sucessfully take a drivers education course in school.
• Sign Early and Save – Some companies provide a discount for switching to them prior to your current policy expiring. It’s a savings of about 10%.

A quick disclaimer, some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as comp or med pay. Despite the appearance that you could get a free insurance policy, nobody gets a free ride.

To choose insurance companies that offer discounts, click this link.

Ways to get car insurance rate quotes

All the larger car insurance companies allow you to get prices for coverage from their websites. Comparing prices online is pretty easy as you simply enter your required coverages on the page. After you complete the form, the company’s rating system automatically orders reports for credit and driving violations and provides a quote. This makes it easy to compare insurance prices but the process of having to visit a lot of sites and type in your information is a big time waster. But it’s necessary to compare as many rates as possible if you want to find the lowest possible prices on car insurance.

A less time-consuming method to lower your rates uses one form that gets prices from a bunch of companies at once. It saves time, requires much less work on your part, and makes online quotes much easier. Immediately after you send the form, it is quoted and you can select any one of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The entire process just takes a couple of minutes and may save quite a bit of money.

In order to find out how much you’re overpaying now, simply click here to open in new window and fill out the form. If you have your current policy handy, we recommend you enter deductibles and limits as close as possible to your current policy. Using the same limits helps guarantee you will be getting an apples-to-apples comparison for the exact same coverage.

Mercury Mountaineer insurance prices can be more affordable

One of the most helpful ways to save on insurance coverage is to to have a grasp of the different types of things that are used to determine the rates you pay for insurance coverage. If you know what determines base rates, this helps enable you to make changes that could result in cheaper rates. Multiple criteria are used in the calculation when premium rates are determined. Some factors are common sense like your driving record, but other criteria are less apparent like your continuous coverage or your financial responsibility.

• Cautious drivers pay the best premiums – Even one ticket can bump up the cost forty percent or more. Good drivers get better rates compared to drivers with tickets. People who have serious citations like DWI, reckless driving or hit and run convictions may face state-mandated requirements to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive.
• Save money with GPS tracking and theft deterrents – Owning a car that has an advanced theft prevention system can help lower your premiums. Theft prevention features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent vehicle theft.
• With age comes lower prices – Older drivers are more responsible, file fewer claims , and are generally more financially stable.Teenage drivers are proven to be more careless with other occupants in the car so they pay higher insurance coverage rates.
• Bump up comp and collision deductibles to lower rates – Physical damage coverage, also called ‘full coverage’, helps pay for damage to your vehicle. Some coverage claims would be a broken windshield, damage from fire, and burglary. Your deductibles define the amount you are willing to pay if the claim is covered. The higher the amount you have to pay, the lower your rates will be for Mountaineer coverage.
• Avoid unnecessary extra coverages – Insurance policies have a lot of additional extra coverages that sound like a good idea at the time if you don’t pay attention. Coverages like personal injury protection, high-cost glass coverage, and membership fees may be costing you every month. They may seem like a good idea when discussing your needs, but if you’ve never needed them in the past get rid of them and save.
• How much liability insurance – Liability insurance will afford coverage when you are ruled to be at fault for personal injury or accident damage. Your liability coverage provides for a legal defense which can cost a lot. Liability is cheap compared to physical damage coverage, so do not cut corners here.
• Rates can change based on your address – Choosing to live in areas with lower population can be a good thing when insuring your vehicles. Lower population translates into fewer accidents in addition to fewer liability claims. People in densly populated areas tend to have more aggressive driving styles and longer commute times. More time commuting statistically corresponds to a higher accident and claim rate.
• Does auto insurance cost more for men? – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. However, don’t assume that women are better drivers. Both genders are responsible for fender benders at about the same rate, but the men have accidents that have higher claims. In addition to higher claims, males also get ticketed for serious violations like DWI (DUI) or reckless driving. Male teenagers tend to get in the most accidents so they pay the highest premiums.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help highlight if you would benefit from an agent’s advice.

• If my pet gets injured in an accident are they covered?
• Is my camper covered by my car insurance policy?
• When should I buy a commercial auto policy?
• Are split liability limits better than a combined single limit?
• Exactly who is provided coverage by my policy?
• Do I need roadside assistance coverage?
• Should I buy full coverage?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage breakdown

Knowing the specifics of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for short-term medical expenses for chiropractic care, nursing services and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability

This protects you from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like medical services, emergency aid, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sustaining damage from a pot hole, driving through your garage door, hitting a mailbox, backing into a parked car and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hail damage, hitting a deer, a broken windshield and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Buy Smart and Save

When getting car insurance quotes online, it’s a bad idea to reduce needed coverages to save money. There are a lot of situations where someone dropped full coverage and discovered at claim time that the savings was not a smart move. Your goal is to buy enough coverage for the lowest cost.

Some companies do not provide rate quotes online and these smaller providers only sell coverage through independent insurance agencies. Lower-priced 1998 Mercury Mountaineer insurance can be bought both online as well as from insurance agents, and you should compare price quotes from both to have the best selection.

We just showed you some good ideas how to lower your 1998 Mercury Mountaineer insurance rates. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers may even find the best price on insurance coverage is with a company that doesn’t do a lot of advertising. Smaller companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as Geico and State Farm.

More information is located at these links:

• Preventing Carjacking and Theft (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)
• State Car Insurance Guides (Geico)