View 2003 Mercury Mountaineer Insurance Quotes

Trying to find lower insurance coverage rates for your Mercury Mountaineer? When shopping for lower-cost insurance, are you confused by the wide range of insurance coverage companies? people have such a large number of options that it can easily become a real hassle to locate the lowest rates.

It’s important to compare prices as often as possible because prices go up and down regularly. If you had the best quotes on Mountaineer insurance six months ago you will most likely find a better rate today. Ignore everything you know about insurance coverage because we’re going to show you the quickest way to save money, get proper coverage and the best rates.

If you currently have a car insurance policy, you will most likely be able to save some money using this strategy. Buying the lowest cost car insurance is easy if you know what you’re doing. Although drivers can benefit from knowing the way companies market insurance on the web and use this information to your advantage.

These discounts can slash insurance rates

Companies offering auto insurance don’t always publicize every policy discount in a way that’s easy to find, so here is a list some of the best known as well as the least known credits available to bring down your rates.

• Multiple Vehicles – Buying coverage for multiple vehicles on a single policy can get a discount on all vehicles.
• Good Student – Maintaining excellent grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
• Driver’s Education for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
• Claim Free – Insureds with no claims or accidents have much lower rates as compared to bad drivers.
• Early Switch Discount – A few companies offer discounts for switching companies before your current coverage expires. You can save around 10% with this discount.

It’s important to note that many deductions do not apply the the whole policy. Most only reduce specific coverage prices like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, you’re out of luck.

To view insurance companies who offer discounts, click here to view.

Why your insurance costs might be higher

When buying insurance it’s important to understand a few of the rating criteria that help calculate insurance rates. If you have some idea of what influences your rates, this allows you to make good choices that can earn you lower premium levels.

• Save money by having multiple policies – Some companies will award a discount to insureds that buy multiple policies. It’s known as a multi-policy discount. Even if you qualify for this discount already, drivers will still want to compare rates to guarantee you are still saving the most.
• Less chance of injury means lower insurance rates – Cars with high safety ratings cost less to insure. Safe vehicles help reduce the chance of injuries in an accident and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your Mercury scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
• Avoid unnecessary incidental coverages – There are a lot of extra coverages that you can buy on your insurance policy. Insurance for things like roadside assistance, high-cost glass coverage, and extra life insurance coverage may be wasting your money. The coverages may be enticing when buying your policy, but if you have no use for them consider taking them off your policy.
• Prices impacted by vehicle usage – Driving more miles each year the higher your rates will be. A lot of insurance companies rate vehicles based upon how you use the vehicle. Cars and trucks that are left in the garage receive lower rates than vehicles that are driven to work every day. It’s a good idea to make sure your vehicle rating states the correct usage, because improper ratings can cost you money. A policy that improperly rates your Mountaineer may be wasting your money.
• Insurance companies don’t like frequent insurance claims – If you file claims often, don’t be surprised to see increased rates or even have your policy non-renewed. Companies provide lower rates to insureds who do not file claims often. Your car insurance is designed for major claims that would cause financial hardship.
• Gender is a factor – Over time, data shows that women are safer drivers than men. The data does not necessarily mean that females are better drivers. Males and females have auto accidents at about the same rate, but the males cause more damage and cost insurance companies more money. Not only that, but men also get higher numbers of serious violations like DUI and reckless driving. Teenage male drivers generally have the highest accident percentage and therefore pay the highest rates.
• Does your job raise your insurance rates? – Did you know that where you work can have an impact on rates? Jobs such as judges, executives and miners generally have higher premiums than the average policyholder due to high stress and long work days. On the flip side, professions such as farmers, historians and retirees pay lower than average rates on Mountaineer insurance.
• Vehicle options that lower insurance rates – Purchasing a vehicle with an alarm system can get you a discount on your insurance. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart car theft and help bring rates down.

When do I need an agent’s advice?

When choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique.

For example, these questions can help discover if you would benefit from professional advice.

• What is an SR-22 filing?
• Do I need replacement cost coverage?
• Am I covered if I crash into my own garage door?
• What are the best liability limits?
• What is medical payments coverage?
• How do I buy GAP insurance?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I benefit by insuring my home with the same company?
• Who is covered by my policy?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form.

Insurance coverages and their meanings

Learning about specific coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like falling objects, damage from flooding, hitting a deer, vandalism and damage from a tornado or hurricane. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Auto liability – This coverage will cover damage that occurs to other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as funeral expenses, structural damage, legal defense fees and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Collision – This coverage covers damage to your Mountaineer caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sideswiping another vehicle, crashing into a ditch, damaging your car on a curb, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to bring the cost down.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for expenses for pain medications, X-ray expenses and rehabilitation 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 you and your occupants and will also cover being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

More quotes mean more savings

As you shop your coverage around, you should never reduce needed coverages to save money. In many cases, someone dropped liability limits or collision coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at a price you can afford and still be able to protect your assets.

Consumers switch companies for any number of reasons including unfair underwriting practices, an unsatisfactory settlement offer, policy non-renewal and even high prices. It doesn’t matter why you want to switch finding a new insurance company is easier than you think.

You just read many tips how you can get a better price on 2003 Mercury Mountaineer insurance. The key concept to understand is the more companies you get prices for, the better chance you’ll have of finding inexpensive insurance. Consumers may even find the best price on insurance is with a small local company.

Additional learning opportunities

• Auto Insurance Learning Center (State Farm)
• Parking Tips to Reduce Door Dings (State Farm)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)