Save on 2006 Mercury Mountaineer Car Insurance Rates

Searching for lower insurance rates for your Mercury Mountaineer? Locating low-cost insurance for a new or used Mercury Mountaineer can be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to buy insurance so you’re going to learn the best way to compare rates for a Mercury and locate the lowest price from both online companies and local agents.

Save a ton with discounts

Not many people think insurance is cheap, but you might find some hidden discounts that many people don’t even know exist. Some discounts apply automatically when you get a quote, but a few must be specifically requested prior to getting the savings. If you don’t get every credit available, you’re just leaving money on the table.

• Discounts for Seat Belt Usage – Forcing all vehicle occupants to buckle up can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Drivers Education – Teen drivers should complete a driver education course as it can save substantially.
• Military Deployment Discount – Being on active duty in the military can result in better prices.
• Discounts for Responsible Drivers – Drivers who don’t get into accidents can save up to 40% or more on their auto insurance quote on Mountaineer insurance than less cautious drivers.
• Senior Discount – If you’re over the age of 55, you may be able to get better insurance rates on Mountaineer insurance.
• Memberships – Participating in a professional or civic organization could trigger savings on your policy.
• E-sign – Certain insurance companies will give you a small discount just for signing your application on the internet.
• Discounts for New Vehicles – Buying a new car instead of a used car can get you a discount compared to insuring an older model.
• Low Mileage Discounts – Maintaining low annual mileage could qualify for discounted premium rates on garaged vehicles.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. So despite the fact that it appears you could get a free insurance policy, companies wouldn’t make money that way. But all discounts will reduce your policy premium.

A few popular companies and a partial list of their discounts are detailed below.

• State Farm discounts include Steer Clear safe driver discount, Drive Safe & Save, multiple policy, defensive driving training, and anti-theft.
• Geico offers discounts including multi-policy, anti-theft, anti-lock brakes, membership and employees, defensive driver, and driver training.
• Liberty Mutual includes discounts for preferred payment discount, multi-policy, safety features, hybrid vehicle, good student, and new graduate.
• The Hartford has savings for air bag, anti-theft, defensive driver, bundle, vehicle fuel type, and driver training.
• MetLife has discounts for good student, accident-free, defensive driver, good driver, claim-free, and multi-policy.
• Progressive may have discounts that include homeowner, multi-vehicle, multi-policy, online quote discount, and online signing.

Before buying, ask all companies you are considering the best way to save money. A few discounts may not be offered in your area. To locate insurance companies that have a full spectrum of discounts, click here.

Compare car insurance rates

Effectively comparing car insurance prices can take time and effort if you don’t utilize the most efficient way to do it. You could spend your day discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Many of the larger companies take part in a program where prospective buyers only type in their quote data once, and each participating company then returns a price quote based on the submitted data. This prevents consumers from doing quote requests for each company.

To compare pricing click here (opens in new window).

One minor caviat to pricing coverage this way is you can’t choose which companies to get quotes from. If you prefer to choose individual companies to compare rates, we have assembled a list of the cheapest car insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, compare equivalent coverage data with each company. If your comparisons have different limits and deductibles on each one it will be impossible to truly determine the lowest rate.

Insurance prices are influenced by these factors

Part of the car insurance buying process is learning the different types of things that play a part in calculating the level of your policy premiums. If you understand what impacts premium levels, this enables you to make decisions that may result in big savings.

• Bundling policies can get discounts – Most insurers will give better rates to buyers who consolidate policies with them such as combining an auto and homeowners policy. This can amount to ten percent or more. Even if you qualify for this discount already, you still need to get quotes from other companies to confirm you are receiving the best rates possible.
• Careless driving leads to higher costs – Only having one speeding ticket or other violation can boost insurance rates by twenty percent. Good drivers pay lower auto insurance prices as compared to those with violations. Drivers who have flagrant violations such as DUI or willful reckless driving are required to maintain a SR-22 with their state’s licensing department in order to prevent their license from being revoked.
• File a car insurance claims and pay more – Car insurance companies give discounts to policyholders who are claim-free. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
• Consider raising coverage deductibles – The deductibles are the amount of money you are required to spend before a claim is paid by your company. Physical damage protection, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered could be a windshield broken by a bird, fire damage, and damage from wind. The larger the amount you’re willing to pay, the lower your rates will be on Mountaineer insurance.

What is the best car insurance coverage?

When it comes to choosing coverage, there really is not a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

• Do I need replacement cost coverage on my 2006 Mercury Mountaineer?
• Should I rate my 2006 Mercury Mountaineer as pleasure use or commute?
• Do I need more liability coverage?
• How many claims can I have before being cancelled?
• Do I have coverage if my license is suspended?
• What is the minimum liability in my state?
• Why am I required to get a high-risk car insurance policy?
• Do I have coverage when using my vehicle for my home business?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Are you falling for claims of savings?

Consumers can’t get away from all the ads for insurance coverage savings by companies like 21st Century, Allstate and State Farm. All the ads say the same thing that you’ll save big if you just switch your policy.

How does every company make almost identical claims? Just pay attention to how they say it.

All companies give the cheapest rates for the type of driver that earns them the most money. One example of a profitable insured might have to be between the ages of 30 and 50, has a low-risk occupation, and has a short commute. Any driver that meets those criteria will get low prices and therefore will cut their rates substantially.

Insureds who may not quite match this ideal profile will be charged higher premiums which leads to business going elsewhere. The ads state “drivers who switch” not “all people who quote” will save that much if they switch. That’s why insurance companies can confidently make claims that they all have the best car insurance rates. That is why you need to get a wide range of price quotes. It’s just too difficult to predict with any certainty which company will fit your personal profile best.

Specific coverage details

Understanding the coverages of your policy can help you determine the best coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as rehabilitation expenses, pain medications and EMT expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Mercury Mountaineer.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Liability coverage

Liability coverage can cover damage that occurs to a person or their property. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

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. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like legal defense fees, emergency aid, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hail damage, theft, fire damage and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a building, colliding with a tree, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Buy Smart and Save

Insureds switch companies for a variety of reasons including unfair underwriting practices, questionable increases in premium, not issuing a premium refund and even high prices. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

We’ve covered a lot of information how to save on 2006 Mercury Mountaineer insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest premium rates come from a lesser-known regional company.

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. There are a lot of situations where an insured cut uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at an affordable rate, but don’t skip important coverages to save money.

More tips and info about insurance coverage is located by following these links:

• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)