2009 Mercury Mountaineer Insurance Rates

Searching for cheaper auto insurance rates for your Mercury Mountaineer? I can’t think of a single person who likes buying auto insurance, especially when they could find better prices if they shop around. You have so many auto insurance companies to insure vehicles with, and although it’s a good thing to have multiple companies, lots of choices makes it harder to adequately compare rates.

Take advantage of every car insurance discount

Car insurance is not an enjoyable expense, but there could be available discounts that you may not know about. Certain reductions will be credited at the time of purchase, but some must be specifically requested before you get the savings. If you are not receiving all the discounts available, you could be saving more on your car insurance.

• Lower Rates for Military – Being deployed in the military can result in better prices.
• Save with a New Car – Adding a new car to your policy may earn a small discount compared to insuring an older model.
• Memberships – Being in a qualifying organization could trigger savings on car insurance.
• Low Mileage Discounts – Low mileage vehicles could be rewarded with substantially lower premium rates.
• Discounts for Good Drivers – Drivers without accidents can get discounts for up to 45% lower rates on Mountaineer coverage than their less cautious counterparts.
• Multi-line Discount – Car insurance companies who offer life insurance give a break if you buy some life insurance too.
• Anti-lock Brakes – Vehicles that have anti-lock braking systems can avoid accidents and will save you 10% or more.

As is typical with insurance, most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, insurance companies wouldn’t stay in business. Any qualifying discounts will cut the amount you pay for coverage.

For a list of insurance companies with discount car insurance rates, follow this link.

How to buy insurance coverage online

Most major insurance companies like Geico, State Farm and Progressive allow you to get price estimates direct online. Getting prices online is very simple as you simply enter the coverages you want into the quote form. Once entered, their quoting system obtains credit information and your driving record and returns a price based on these and other factors. Being able to quote online simplifies rate comparisons, but the time it takes to visit many different websites and type in the same data is a big time waster. But it’s very important to do this if you want to get the best price on insurance coverage.

There is a better way!

An easier way to locate the lowest prices requires only one form that obtains quotes from a lot of companies. It’s a real time-saver, eliminates form submissions, and makes quoting online a lot less work. After sending the form, it is rated and you are able to buy any one of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. It can be completed in less than 10 minutes and may result in a nice savings.

In order to compare rates now, click here to open in new window and enter your information. If you have coverage now, it’s recommended you complete the form with the limits and deductibles identical to your current policy. Doing this assures you will have a price comparison for exact coverage.

How to know if you need help

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions could help you determine whether you would benefit from professional advice.

• Do I need added coverage for expensive stereo equipment?
• How high should my medical payments coverage be?
• How can I get my company to pay me more for my totalled car?
• How much can I save by bundling my policies?
• What are the financial responsibility laws in my state?
• Do I need PIP (personal injury protection) coverage in my state?
• Should I waive the damage coverage when renting a car?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Car insurance 101

Understanding the coverages of auto insurance aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by auto insurance companies.

Collision coverage protection

This coverage covers damage to your Mountaineer caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, scraping a guard rail, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Liability car insurance

Liability insurance protects you from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for things such as repair costs for stationary objects, pain and suffering, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Comprehensive coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, hitting a deer and fire damage. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like X-ray expenses, hospital visits, rehabilitation expenses and EMT expenses. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Mercury Mountaineer.

Since 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 should not be overlooked.

A little work can save a LOT of money

Budget-friendly insurance coverage can be bought on the web in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. Some companies may not have price quotes online and most of the time these regional insurance providers provide coverage only through independent agencies.

You just read a lot of ways to get a better price on 2009 Mercury Mountaineer insurance. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest prices are with some of the lesser-known companies. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as Allstate, Geico and Progressive.

More tips and info about insurance coverage can be read in the articles below:

• Teen Driving and Texting (State Farm)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)
• Teen Driving Statistics (iihs.org)
• Medical Payments Coverage (Liberty Mutual)