How Much Does 2007 Mercury Mountaineer Insurance Cost?

When trying to find cheaper insurance, are you overwhelmed by the crazy number of car insurance companies? You’re not alone. You have such a large number of options that it is a difficult challenge to find the lowest price.

Smart consumers take time to compare prices every six months since prices are rarely the same from one policy term to another. Despite the fact that you may have had the best rate for Mountaineer insurance a year ago there is a good chance you can find better premium rates now. Ignore everything you know about car insurance because you’re about to learn the quickest way to remove unneeded coverages and save money.

Ways to get car insurance quotes

Many insurance companies like Progressive, Geico, Allstate and State Farm make it easy to get coverage prices from their websites. Doing online quotes is possible for anyone as you just enter the coverage amounts you desire into the form. Upon sending the form, their system collects your credit score and driving record and quotes a price.

Online quotes makes it simple to compare prices but the time required to go to different websites and type in your information is a big time waster. Unfortunately, it is important to get many rate quotes if you want to find the lowest price.

The preferred way to find better car insurance pricing is to use a quote form that gets price quotes from a bunch of companies at once. It’s a real time-saver, requires much less work on your part, and makes quoting online much more efficient. As soon as you send your information, your coverage is rated and you can select any of the pricing results. If you find a better price you can click and sign and buy the policy. It just takes a couple of minutes and may result in a nice savings.

To save time and compare pricing, simply click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you replicate the coverage information identical to your current policy. This guarantees you will receive an apples-to-apples comparison based on identical coverages.

Car insurance myths debunked

Progressive, Geico, Allstate and State Farm consistently run ads on television and other media. All the companies advertise the message of big savings after switching your car insurance policy to them. How can each company charge you less for auto insurance? Just pay attention to how they say it.

Many companies have specific criteria for a prospective insured that earns them the most money. One example of a profitable insured should be a mature driver, has never had a policy lapse, and drives newer vehicles. Any new insured who matches those parameters will get low premium rates and as a result will probably save some money.

People who are not a match for these criteria will probably have to pay higher premium rates which leads to the customer not purchasing. Company advertisements say “people that switch” not “all people who quote” will save that much if they switch. That is how insurance companies can confidently advertise the savings. This really drives home the point why it is so important to get price quotes at each policy renewal. It’s just too difficult to predict which insurance companies will have the best prices at this point in time.

Are you qualifying for every discount?

Buying auto insurance is not cheap, but you may qualify for discounts that may help make it more affordable. Certain credits will be shown when you complete an application, but lesser-known reductions have to be inquired about before you will receive the discount.

• Multi-car Discount – Buying insurance for multiple cars on the same auto insurance policy can reduce rates for all insured vehicles.
• Passive Restraints – Options like air bags or motorized seat belts could see savings of 25 to 30%.
• Homeowners Pay Less – Owning a home can save you money because maintaining a house requires a higher level of personal finance.
• Life Insurance – Select insurance companies reward you with a lower price if you buy life insurance from them.
• Club Memberships – Belonging to qualifying clubs or civic groups could qualify you for a break on your bill.
• Early Switch Discount – A few auto insurance companies allow discounts for switching to them prior to your current policy expiring. You can save around 10% with this discount.
• Accident-Free Discounts – Insureds with no claims or accidents can save substantially when compared to drivers with a long claim history.

As is typical with insurance, some of the credits will not apply to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

Larger auto insurance companies and their offered discounts are outlined below.

• AAA includes discounts for anti-theft, multi-car, good driver, education and occupation, AAA membership discount, and pay-in-full.
• Progressive offers premium reductions for online signing, good student, multi-vehicle, continuous coverage, homeowner, multi-policy, and online quote discount.
• State Farm has discounts for driver’s education, Drive Safe & Save, good driver, passive restraint, and anti-theft.
• Esurance policyholders can earn discounts including DriveSense, multi-policy, anti-theft, anti-lock brakes, multi-car, online quote, and renters.
• Nationwide offers discounts including Farm Bureau membership, easy pay, multi-policy, accident-free, family plan, anti-theft, and defensive driving.

When getting a coverage quote, ask every insurance company which discounts you qualify for. Some discounts listed above might not apply in your area.

When in doubt talk to an agent

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different.

For example, these questions might point out whether your personal situation could use an agent’s help.

• When should I remove comp and collision on my 2007 Mercury Mountaineer?
• Is my babysitter covered when using my vehicle?
• Where can I find high-risk insurance?
• Should I get collision insurance on every vehicle?
• Is my teenager covered with friends in the car?
• Is other people’s property covered if stolen from my vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Learn about auto insurance coverages for a 2007 Mercury Mountaineer

Learning about specific coverages of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

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 as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Coverage for liability

Liability insurance will cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as repair bills for other people’s vehicles, structural damage, court costs, funeral expenses and medical services. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for funeral costs, ambulance fees and prosthetic devices. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, fire damage, vandalism and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

Collision coverage pays for damage to your Mountaineer resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like scraping a guard rail, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

In any little way, save everyday

While you’re price shopping online, you should never reduce needed coverages to save money. Too many times, drivers have reduced uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at the best possible price, but do not skimp to save money.

Drivers who switch companies do it for any number of reasons including lack of trust in their agent, high rates after DUI convictions, not issuing a premium refund and unfair underwriting practices. Whatever your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

Budget-friendly insurance is attainable both online and also from your neighborhood agents, so get free car insurance quotes from both of them so you have a total pricing picture. Some insurance providers do not provide online price quotes and most of the time these smaller providers only sell coverage through independent agents.

Additional detailed information is located by following these links:

• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Learn About Car Insurance (Geico)
• Property Damage Coverage (Liberty Mutual)