2005 Mercury Mountaineer Insurance Quotes – 5 Ways to Save

Being forced to pay for expensive insurance premiums can diminish your savings and require stricter spending habits.

Big companies like Progressive, Geico and Farmers Insurance constantly bombard you with ad campaigns and it is difficult to avoid their marketing magic and take the time to shop coverage around.

Consumers should take time to compare rates occasionally because prices are variable and change quite frequently. Even if you think you had the best rates for Mountaineer insurance a couple years back other companies may now be cheaper. Forget all the misinformation about insurance because you’re about to learn the best way to save on insurance.

How to buy insurance online

To get cheaper car insurance quotes, there a variety of ways of comparing rates from companies that offer insurance in your state. The recommended way to find the lowest Mercury Mountaineer rates consists of shopping online. This is very easy and can be done in a couple of different ways.

1. The easiest and least time consuming way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This form keeps you from doing multiple quote forms for every insurance company. Filling out one form gets rate comparisons from all major companies.
2. A different way to get comparison quotes is spending the time to visit each company website to request a price quote. For instance, let’s say you want to compare prices for State Farm, Farmers and Geico. To find out each rate you need to go to every website and repeatedly enter your information, which is why first method is reommended.

   For a list of links to companies insuring cars in your area, click here.

The approach you take is up to you, just be sure to compare identical quote data with every price quote. If you use mixed coverages you will not be able to determine which company has the best rates. Quoting even small variations in insurance coverages may result in large price differences. And when price shopping your coverage, comparing more quotes provides better odds of finding lower pricing.

Tailor your insurance coverage to you

When buying proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out whether you might need an agent’s assistance.

• Am I covered when driving a rental car?
• How can I find cheaper teen driver insurance?
• What is the rate difference between pleasure use and commuting?
• How do I file an SR-22 for a DUI in my state?
• Do I need replacement cost coverage on my 2005 Mercury Mountaineer?
• Why am I required to buy high-risk coverage?
• What companies insure drivers after a DUI or DWI?
• I have a DUI can I still get coverage?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Car insurance 101

Understanding the coverages of your policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types offered by insurance companies.

Auto liability insurance – This coverage protects you from injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like legal defense fees, medical expenses, structural damage and court costs. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Comprehensive insurance – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, hail damage, hitting a bird, damage from flooding and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Mercury Mountaineer.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage – Collision coverage pays for damage to your Mountaineer from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, backing into a parked car, crashing into a building, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for bills for funeral costs, pain medications, EMT expenses, hospital visits and dental work. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage