2001 Mercury Mountaineer Insurance Quotes

Are you sick and tired of not being able to scrape enough together to keep your car insured? Your situation is no different than many other consumers. Having so many online and local companies to choose from, it’s nearly impossible to pick the lowest cost auto insurance provider.

It’s a good habit to shop coverage around on a regular basis because insurance rates change quite often. Despite the fact that you may have had the best deal on Mountaineer insurance six months ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re going to get a crash course in the proper way to reduce your cost while increasing coverage.

Locating cheaper auto insurance is simple if you know the tricks. If you have a current auto insurance policy or need new coverage, you can use these tips to shop for the lowest rates while maximizing coverage. Consumers just need to learn the proper methods to get comparison quotes on the web.

Take advantage of every car insurance discount

Auto insurance companies don’t always publicize every discount they offer very well, so here is a list a few of the more common as well as some of the hidden discounts you could be receiving when you buy insurance coverage online.

Low Mileage Discounts – Driving fewer miles may enable drivers to earn cheaper rates.
Accident Free – Drivers who don’t have accidents pay less when compared with bad drivers.
Military Deployment Discount – Being deployed with a military unit could be rewarded with lower premium rates.
Good Grades Discount – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
Drivers Education – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if it’s offered in school.

We need to note that most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. If you do the math and it seems like you could get a free car insurance policy, nobody gets a free ride.

A few popular companies and their possible discounts include:

State Farm offers discounts including accident-free, good student, multiple autos, student away at school, driver’s education, passive restraint, and safe vehicle.
Geico offers discounts for anti-lock brakes, anti-theft, multi-vehicle, good student, multi-policy, and membership and employees.
Liberty Mutual has savings for good student, new graduate, teen driver discount, new vehicle discount, hybrid vehicle, multi-policy, and newly married.
The Hartford includes discounts for driver training, anti-theft, bundle, defensive driver, vehicle fuel type, air bag, and good student.
MetLife may include discounts for multi-policy, claim-free, good driver, accident-free, good student, and defensive driver.
Progressive discounts include online quote discount, online signing, continuous coverage, homeowner, good student, and multi-policy.

When quoting, ask all companies you are considering how you can save money. Some credits may not apply to policies everywhere. To see a list of companies that offer the discounts shown above, follow this link.

The quickest method we recommend to compare policy rates utilizes the fact most of the bigger providers pay for the opportunity to quote your coverage. To get started, all you need to do is provide a little information such as how much education you have, whether your vehicle is owned or leased, if your license is active, and whether you are single or married. The data gets transmitted to multiple different insurance companies and you will get price comparisons instantly to find the best rate.

Smart buyers can save money

Multiple criteria are used in the calculation when you get a price on insurance. Some of the criteria are obvious such as traffic violations, although others are less apparent like your continuous coverage or your vehicle rating.It’s important that you understand some of the elements that play a part in calculating your premiums. If you have a feel for what determines premiums, this enables you to make decisions that can help you get lower premium levels.

Long commutes cost more – The more miles you rack up on your Mercury every year the more you’ll pay to insure it. Most insurance companies calculate prices based upon how you use the vehicle. Cars that have low annual miles cost less to insure than cars that get driven a lot. Improper usage on your Mountaineer can cost quite a bit. Verify your car insurance policy correctly shows annual mileage, because it can save money.
Responsible credit equals lower costs – Having a good credit score can be an important factor in determining what you pay. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with bad credit. If your credit can be improved, you could save money insuring your 2001 Mercury Mountaineer by improving your credit score.
Stress out and pay more – Did you know your occupation can influence how much you pay for car insurance? Jobs like doctors, executives and medical professionals usually pay higher rates than the rest of us because of stressful work requirements and long work days. On the other hand, jobs like scientists, historians and homemakers have the lowest average rates on Mountaineer insurance.
Safer vehicles means cheaper insurance – Vehicles with high crash test scores can get you lower premiums. These vehicles reduce the chance of injuries and fewer injuries translates into savings for insurance companies and thus lower rates.
Lower rates for married couples – Walking down the aisle helps lower the price on your car insurance bill. Having a significant other is viewed as being more stable financially and statistics prove drivers who are married are more cautious.
Do you qualify for a multi-policy discount? – Lots of insurance companies give better rates to customers that have more than one policy, otherwise known as a multi-policy discount. Discounts can be ten or even fifteen percent. If you currently are using one company, you may still want to check prices from other companies to help ensure you have the lowest rates. Consumers may save more without the discount even if you have your coverage with different companies
Incidental coverages can add up – Insurance companies have many extra coverages that may not really be needed on your Mountaineer policy. Add-on coverages like personal injury protection, towing, and term life insurance are probably not needed. They may seem like a good idea when buying your policy, but if you don’t need them eliminate them to save money.

How to know if you need help

When it comes to choosing proper insurance coverage, there is no one size fits all plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that might help in determining whether or not you would benefit from an agent’s advice.

What can I do if my company denied a claim?
Which is better, split liability limits or combined limits?
How do I buy GAP insurance?
Is my trailer covered?
What vehicles should carry emergency assistance coverage?
Should I drop comprehensive coverage on older vehicles?
Am I covered if I wreck a rental car?
Do I need special endorsements for business use of my vehicle?
If my pet gets injured in an accident are they covered?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Do car insurance companies bend the truth?

Consumers constantly see and hear ads that claim the cheapest auto insurance rates by companies like State Farm, Allstate and Geico. All the ads advertise claims that you can save if you move your car insurance policy to them.

How can each company charge you a lower premium?

Car insurance companies have specific characteristics for the type of customer that will most likely be profitable. One example of a profitable customer could be over age 30, has no tickets, and drives a car with an anti-theft system. Someone that hits that “sweet spot” gets the lowest premium rates as well as save a lot if they switch.

Consumers who don’t qualify for this stringent profile may receive higher premium rates with the end result being the customer buying from a different company. If you listen closely, the ads state “people that switch” not “everyone who quotes” can get the lowest rates when switching. That’s why insurance companies can make claims that they all have the best rates.

Each company has different criteria, so you really should get insurance coverage quotes from several different companies. It is impossible to guess which insurance companies will provide the lowest prices.

Coverages available on your policy

Having a good grasp of your policy can help you determine which coverages you need for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Mercury Mountaineer.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as theft, a broken windshield, fire damage and vandalism. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto collision coverage

Collision coverage pays for damage to your Mountaineer resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, hitting a parking meter, colliding with a tree and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance

This coverage will cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as emergency aid, court costs and funeral expenses. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like ambulance fees, pain medications, dental work, funeral costs and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Be a smart shopper

In this article, we presented a lot of techniques to save on 2001 Mercury Mountaineer insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your prices. Consumers could even find that the most savings is with a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase plenty of coverage at the best price, but do not skimp to save money.

Some insurance companies may not have price quotes online and these regional carriers sell through independent insurance agents. Low-cost 2001 Mercury Mountaineer insurance can be sourced from both online companies as well as from insurance agents, and you should compare rates from both to have the best selection.