Save on 1999 Mercury Mountaineer Insurance Cost

Looking for cheaper insurance rates for your Mercury Mountaineer? There isn’t anyone who looks forward to paying for insurance, especially when they could lower their rates if they shopped around. Insurance companies such as State Farm and Geico constantly blast consumers with fancy advertisements and it is difficult to separate fact from fiction and find the best price available.

It is always a good idea to get comparison quotes periodically since rates change regularly. Despite the fact that you may have had the lowest premium rates for Mountaineer insurance a year ago a different company probably has better prices today. You can find a lot of information about insurance online but we’re going to give you some excellent ideas to reduce your insurance bill.

If you have a policy now or need new coverage, you can use this information to find the best rates and still get good coverage. Finding the best rates is quite easy. Vehicle owners just need to know the proper methods to buy insurance coverage on the web.

The quickest method we recommend to compare insurance rates from multiple companies is to realize all the major auto insurance companies participate in a system to compare rate quotes. All consumers are required to do is spend a couple of minutes providing details including the year, make and model of vehicles, your job, if a SR-22 is required, and daily mileage. Your insurance information is instantly provided to insurance carriers in your area and you should receive rate quotes instantly to find the best rate.

Discounts for cheap auto insurance rates

Not many people think insurance is cheap, but you might already qualify for some discounts that could drop your premiums quite a bit. Some discounts will apply when you get a quote, but some must be specially asked for before they will apply.

• Low Miles Discount – Maintaining low annual mileage could earn cheaper prices.
• College Student – Any of your kids living away from home attending college and don’t have a car may qualify for this discount.
• Discount for New Cars – Insuring a vehicle that is new can save up to 30% due to better safety requirements for newer models.
• Accident-Free Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote when compared to accident-prone drivers.
• Cautious Drivers – Drivers who don’t get into accidents may receive a discount up to 45% for Mountaineer insurance than drivers with accident claims.
• Pay Upfront and Save – If you can afford to pay the entire bill instead of paying each month you could save 5% or more.
• Driver Education Discount – Have your child successfully complete driver’s ed class in school.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. Even though the math looks like adding up those discounts means a free policy, you won’t be that lucky.

A partial list of companies who might offer these benefits include:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• Geico
• SAFECO

If you need lower rates, check with each company the best way to save money. Some discounts listed above may not be available in every state. If you would like to choose from a list of insurance companies who offer auto insurance discounts, click this link.

What determines Mercury Mountaineer insurance prices?

An important part of buying insurance is that you know the factors that come into play when calculating your policy premiums. If you know what controls the rates you pay, this allows you to make educated decisions that could help you find lower rates.

The factors shown below are some of the most common factors used by companies to determine your rates.

• Deter theft and pay less – Driving a car with advanced anti-theft systems can help lower your premiums. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart vehicle theft.
• Lower rates by increasing physical damage deductibles – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your Mercury from damage. Some coverage claims would be running into the backend of another car, vandalism, and windstorm damage. Comp and collision deductibles define the amount you are willing to pay if a claim is determined to be covered. The larger the amount the insured has to pay upfront, the less your car insurance will be for Mountaineer insurance.
• Keep prices low by being claim-free – Car insurance companies give discounts to people who file claims infrequently. If you’re an insured who likes to file claims you can look forward to either higher rates or even cancellation. Insurance coverage is intended for larger claims.
• Do men or women drive better? – Over time, data shows women tend to be less risk to insure than men. That doesn’t necessarily mean that females are better at driving than males. Women and men are in accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also tend to get more serious tickets such as reckless driving.
• Add-on coverages push up premiums – Insurance companies have many additional coverages that sound like a good idea at the time if you don’t pay attention. Coverage for things like rental car reimbursement, accidental death, and membership fees are probably not needed. You may think they are a good idea initially, but now you might not need them so eliminate them to save money.
• lapses raise prices – Having a gap between insurance policy dates is a quick way to increase your renewal premiums. And not only will your rates increase, failure to provide proof of insurance could result in a steep fine or even jail time.
• Where do you drive? – Driving more miles each year the higher your rate. Most insurance companies calculate prices based upon how the vehicle is primarily used. Vehicles that sit idle most of the time cost less to insure than vehicles that have high annual mileage. A policy that improperly rates your Mountaineer may be costing you. Make sure your policy is rated on the proper vehicle usage, because improper ratings can cost you money.
• Pay less with a high IIHS safety rating – Vehicles with good safety scores tend to have lower insurance rates. Vehicles engineered for safety reduce occupant injuries and reduced instances of injuries translates directly to fewer claims which can result in lower premiums. If the Mercury Mountaineer has at least four stars on Safercar.gov it may cost less to insure.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether or not you would benefit from an agent’s advice.

• How can I get high-risk coverage after a DUI?
• How can I force my company to pay a claim?
• What should my uninsured motorist coverage limits be in my state?
• Can my teen driver be rated on a liability-only vehicle?
• Can I afford to pay high deductible claims out of pocket?
• Is a new car covered when I drive it off the dealer lot?
• Am I covered by my spouse’s policy after a separation?
• What is PIP insurance?
• Why am I required to buy liability insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Coverages available on your car insurance policy

Knowing the specifics of car insurance can help you determine appropriate coverage for your vehicles. Car insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages available from car insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Mercury Mountaineer.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, driving through your garage door, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Coverage for liability

This provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as legal defense fees, medical expenses, medical services and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage

Med pay and PIP coverage pay for expenses for things like doctor visits, funeral costs, EMT expenses, rehabilitation expenses and nursing services. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive protection

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, theft and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Quote more, save more

Cheap 1999 Mercury Mountaineer insurance is definitely available on the web in addition to local insurance agencies, and you should compare rates from both to have the best selection. A few companies don’t offer the ability to get a quote online and many times these smaller companies sell through independent agencies.

You just learned some good ideas how you can reduce 1999 Mercury Mountaineer insurance prices online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even find the lowest priced insurance coverage comes from the smaller companies. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as Allstate or State Farm.

When getting insurance quotes online, don’t be tempted to buy less coverage just to save a little money. Too many times, an accident victim reduced liability limits or collision coverage and learned later that it was a big mistake. Your aim should be to buy the best coverage you can find at the best cost, not the least amount of coverage.

Additional information can be read at the links below

• Booster Seat Ratings (iihs.org)
• Auto Insurance Learning Center (State Farm)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)