Lower Your 2004 Mercury Mountaineer Car Insurance Rates

Shoppers have many options when shopping for the lowest priced Mercury Mountaineer insurance. You can either waste hours contacting agents trying to get quotes or utilize the internet to get rate quotes.

There is a right way and a wrong way to shop for insurance and we’ll show you the quickest way to price shop coverage for a Mercury and obtain the cheapest rates.

First Step: Get free insurance coverage quotes

There are a lot of ways to compare insurance coverage quotes, but some are more efficient than others. You can spend your afternoon talking to agents in your area, or you could use the internet to get the quickest rates.

Most of the best insurance companies take part in a program where prospective buyers send in one quote, and at least one company then gives them pricing for coverage. This eliminates the need for quotation requests to each individual insurance coverage company.

To get comparison pricing now click here (opens in new window).

The one downside to pricing coverage this way is you don’t know exactly which companies you want to price. If you wish to select individual companies to compare, we put together a list of the cheapest insurance coverage companies in your area. Click here to view list.

How you compare quotes is your choice, just make sure you compare exactly the same coverages for each comparison quote. If you enter different liability limits it will be very difficult to determine which company has the best rates.

When should I discuss my situation with an agent?

When choosing coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions may help highlight if your insurance needs may require specific advice.

• What are the financial responsibility laws in my state?
• Do I need roadside assistance coverage?
• Am I covered if I hit my neighbor’s mailbox?
• Do I have coverage when making deliveries for my home business?
• Do I have coverage when using my vehicle for my home business?
• What is medical payments coverage?
• Is my trailer covered?
• If I drive on a suspended license am I covered?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage options for a 2004 Mercury Mountaineer

Understanding the coverages of a car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Collision coverage

This will pay to fix damage to your Mountaineer caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, crashing into a building, crashing into a ditch, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, hitting a bird, a tree branch falling on your vehicle, hail damage and fire damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Liability

Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things such as legal defense fees, attorney fees and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills such as ambulance fees, X-ray expenses and pain medications. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible