2002 Mercury Mountaineer Insurance Quotes

Scraping up a payment for expensive Mercury Mountaineer insurance can bleed your savings and force you to prioritize other expenses. Comparing rates annually is an excellent way to ensure you are getting the best deal.

Due to the increasing number of options when it comes to insurance coverage, it can be hard to pick a lower cost insurer.

Buying car insurance is easy if you know what you’re doing. If you have car insurance now, you should be able to save some money using this information. Nevertheless, vehicle owners need to learn how insurance companies price online insurance and apply this information to your search.

How much is insurance coverage?

There are a lot of ways to compare insurance coverage quotes, but there is one way that is less time-consuming than others. You can waste a lot of time driving to insurance agencies in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

All the larger companies are enrolled in a marketplace where insurance shoppers submit their information once, and every company provides a quote based on the submitted data. This saves time by eliminating quotation requests to each company.

To use this form to compare rates click here to start a free quote.

The only drawback to getting quotes like this is that consumers can’t choose the companies you will receive quotes from. If you would rather choose from a list of companies to compare, we have a listing of insurance coverage companies in your area. Click to view list.

However you get your quotes, make sure you use identical information for each quote you get. If you have mixed coverages it will be nearly impossible to determine the best price for your Mercury Mountaineer. Just a small difference in limits could skew the results. It’s important to know that making a lot of price comparisons increases your odds of finding a lower rate than you’re paying now.

Big brands don’t always mean big savings

Well-known insurance coverage companies like Progressive, Geico, Allstate and State Farm regularly use ads on television and other media. All the companies state the claim that drivers will save a bundle if you change your coverage. How is it possible that every company can make almost identical claims? This is the way they can do it.

Many companies give the best rates for the driver that will most likely be profitable. An example of this type of insured might have to be between the ages of 30 and 45, has never had a policy lapse, and has great credit. Any driver that matches those criteria will most likely get cheap premium rates and will most likely save money with a new company.

People who fall short of this stringent profile will get more expensive rates and this can result in the driver buying from a lower-cost company. If you pay close attention to the ads, they say “people who switch” not “everyone who quotes” save that much when switching. That is how companies can truthfully make the claims of big savings. Because of this risk profiling, it’s extremely important to do a quote comparison often. Because you never know which company will have the best car insurance rates for your profile.

Why informed drivers pay less for Mercury Mountaineer insurance

Part of the auto insurance buying process is learning the factors that aid in calculating auto insurance rates. If you know what controls the rates you pay, this helps enable you to make changes that can help you get better auto insurance rates. Lots of things are part of the calculation when premium rates are determined. Some factors are common sense like your driving record, although some other factors are more transparent such as whether you are married or how safe your car is.

The items below are some of the factors auto insurance companies consider when setting your premiums.

• Liability protection safeguards assets – The liability coverage on your policy will afford coverage if a jury decides you are liable for causing personal injury or damage in an accident. This coverage provides legal defense coverage to attempt to prove you were not liable. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
• Premiums may be lower depending on your occupation – Jobs like doctors, executives and stock brokers tend to have higher premiums than the average policyholder because of high stress and incredibly demanding work hours. Conversely, careers such as farmers, athletes and the unemployed get better rates on Mountaineer insurance.
• Premiums and your address – Being located in smaller towns and rural areas of the country can be a good thing when shopping for auto insurance. Residents of big cities have to deal with traffic congestion and more severe claims. Fewer drivers on the road translates into fewer accident claims.
• Allowing your policy to lapse raises premiums – Allowing your auto insurance policy to lapse can be a sure-fire way to increase your rates. Not only will you pay higher rates, not being able to provide proof of insurance might get you a license revocation or jail time.
• Reduce auto insurance rates by staying claim free – Car insurance companies award the lowest premiums to drivers who are not frequent claim filers. If you tend to file frequent claims, you can expect higher rates. Your car insurance is designed for claims that pose a financial burden.
• Vehicle options that cut premiums – Purchasing a vehicle with advanced anti-theft systems can get you a discount on your auto insurance. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms can help prevent car theft and help bring rates down.

You may qualify for discounts

Properly insuring your vehicles can get expensive, but you may qualify for discounts that you may not know about. Most are applied when you purchase, but occassionally some discounts must be specifically requested before you get the savings. If you are not receiving all the discounts possible, you could be paying more than you need to.

• Driver’s Ed – Cut your cost by having your teen driver enroll and complete driver’s education in high school.
• No Claim Discounts – Drivers with accident-free driving histories pay less as compared to frequent claim filers.
• Discount for Passive Restraints – Factory air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
• Accident Forgiveness Coverage – Not necessarily a discount, but some companies like Progressive, Allstate, and Liberty Mutual allow you one accident without getting socked with a rate hike if you have no claims before the accident.
• Student Discounts – A discount for being a good student could provide a savings of up to 20% or more. Most companies allow this discount up to age 25.
• Discounts for Cautious Drivers – Drivers who avoid accidents may receive a discount up to 45% on Mountaineer insurance than drivers with accident claims.
• Multiple Vehicles – Having multiple vehicles on a single policy can get a discount on all vehicles.
• Safety Restraint Discount – Forcing all vehicle occupants to buckle up before driving may be able to save a few bucks off the PIP or medical payment premium.
• Low Miles Discount – Fewer annual miles on your Mercury may allow you to get discounted premium rates on garaged vehicles.

Policy discounts save money, but most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, insurance companies aren’t that generous.

The best insurance companies and a summarized list of policyholder discounts include:

• Geico policyholders can earn discounts including anti-theft, federal employee, driver training, anti-lock brakes, membership and employees, and emergency military deployment.
• Travelers discounts include student away at school, save driver, good student, IntelliDrive, payment discounts, home ownership, and continuous insurance.
• Nationwide offers discounts including easy pay, accident-free, business or organization, multi-policy, good student, family plan, and Farm Bureau membership.
• Farmers Insurance may offer discounts for alternative fuel, teen driver, good student, business and professional, youthful driver, electronic funds transfer, and distant student.
• Esurance offers discounts for renters, Pac-12 alumni, paid-in-full, Switch & Save, defensive driver, emergency road assistance, and good driver.
• State Farm has discounts for Drive Safe & Save, student away at school, anti-theft, good student, good driver, Steer Clear safe driver discount, and multiple autos.
• Progressive may have discounts that include good student, homeowner, online quote discount, continuous coverage, and online signing.
• Mercury Insurance includes discounts for multi-car, professional/association, anti-theft, annual mileage, age of vehicle, and good driver.

If you are trying to find cheaper insurance coverage quotes, ask every company how many discounts you can get. Some of the discounts discussed earlier might not be offered on policies in your area. If you would like to see a list of insurers with significant discounts, click here to view.

There’s no such thing as the perfect car insurance policy

When it comes to buying the best car insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can aid in determining if your situation might need an agent’s assistance.

• Are rock chip repairs covered?
• Is other people’s property covered if stolen from my vehicle?
• Is my trailer covered?
• Is my dog or cat covered if injured in an accident?
• Do I have coverage if my license is suspended?
• Do I need an umbrella policy?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Coverage specifics

Understanding the coverages of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as doctor visits, chiropractic care, hospital visits, X-ray expenses and nursing services. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance pays for damage to your Mountaineer resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as damaging your car on a curb, scraping a guard rail, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mercury Mountaineer.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, a tree branch falling on your vehicle, rock chips in glass and vandalism. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance

Liability coverage protects you from damage that occurs to people or other property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as bail bonds, medical expenses, legal defense fees and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Get your money’s worth

When shopping online for insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

We just presented a lot of techniques to shop for 2002 Mercury Mountaineer insurance online. It’s most important to understand that the more quotes you get, the better likelihood of getting the cheapest insurance coverage. You may even find the most savings is with some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and Geico.

To learn more, feel free to browse these articles:

• State Laws for Cellphones and Texting (iihs.org)
• Winter Driving (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Safe Vehicles for Teens (iihs.org)