View 2010 Mercury Mountaineer Car Insurance Quotes

Searching for better car insurance rates for your Mercury Mountaineer? Purchasing the cheapest car insurance may be impossible for drivers that are not comfortable with quoting and price shopping on the internet. With such a large number of insurance companies available, how are drivers expected to be able to compare all the different companies and get the best price?

If you currently have a car insurance policy, you will be able to save some money using this strategy. Pricing more affordable insurance coverage is not that difficult. Nevertheless, drivers benefit from understanding how companies determine prices and take advantage of how the system works.

The quickest method we recommend to compare car insurance company rates utilizes the fact most of the bigger providers actually pay money for the chance to provide you with free rate quotes. The only thing you need to do is provide information like driver ages, your job, any included safety features, and if you went to college. Your insurance information is instantly sent to many highly-rated insurers and you should receive rate quotes almost instantly.

To find the cheapest car insurance rates, click here and enter the information requested.

Find hidden discounts on car insurance

Buying car insurance is not cheap, but there’s a good chance there are discounts to reduce the price significantly. Some of these disounts will be visible when you get a quote, but a few must be requested specifically prior to getting the savings.

• Bundle and Save – If you insure your home and vehicles with the same company they may give you a discount of nearly 15% which can help you find affordable auto insurance.
• Clubs and Organizations – Participating in certain professional organizations may earn a discount on car insurance.
• Cautious Driver Discount – Drivers who don’t get into accidents could pay up to 40% less for Mountaineer insurance than less cautious drivers.
• Telematics Devices – Drivers who elect to allow driving data submission to track driving habits remotely like Allstate’s Drivewise could save a few bucks if their driving habits are good.
• ABS and Traction Control Discounts – Vehicles equipped with ABS or steering control have fewer accidents and earn discounts up to 10%.
• College Student Discount – living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
• Payment Method – By making one initial payment rather than paying monthly you could save 5% or more.

Consumers should know that some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, it just doesn’t work that way.

Companies and their offered discounts are detailed below.

• Geico discounts include driver training, air bags, anti-theft, military active duty, defensive driver, anti-lock brakes, and good student.
• MetLife offers discounts for claim-free, accident-free, defensive driver, good student, and multi-policy.
• State Farm offers discounts including good student, multiple policy, multiple autos, anti-theft, student away at school, Steer Clear safe driver discount, and driver’s education.
• Progressive may offer discounts for online quote discount, online signing, good student, continuous coverage, multi-policy, multi-vehicle, and homeowner.
• Mercury Insurance policyholders can earn discounts including good driver, type of vehicle, multi-car, age of vehicle, ease of repair, and multi-policy.
• 21st Century has discounts for automatic seat belts, driver training, theft prevention, homeowners, and teen driver.
• Allstate may include discounts for new car, premier discount, resident student, utility vehicle, 55 and retired, and multi-policy.

When getting a coverage quote, ask every insurance company to apply every possible discount. Some of the earlier mentioned discounts may not apply in every state. To choose insurers with discount car insurance rates, click here to view.

What impacts Mercury Mountaineer insurance rates?

Lots of factors are part of the equation when quoting car insurance. Most are fairly basic like a motor vehicle report, although others are more transparent such as your credit history or your vehicle rating.When buying auto insurance it’s important to understand a few of the rating criteria that help calculate your policy premiums. If you have a feel for what impacts premium levels, this allows you to make good choices that can help you get cheaper rates.

Shown below are some of the factors used by your company to calculate premiums.

• Keep the miles off and save – The more you drive your Mercury in a year the higher your rates will be. Almost all companies apply a rate based upon how the vehicle is primarily used. Vehicles left parked in the garage get more affordable rates than those used for commuting. An incorrectly rated Mountaineer can cost quite a bit. It’s always a good idea to double check that your vehicle rating is showing the correct driver usage, because it can save money.
• Get better rates if married – Having a spouse actually saves money on your auto insurance policy. Having a spouse means you’re more responsible and it’s statistically proven that drivers who are married are more cautious.
• More traffic means higher claims – Having an address in areas with lower population can save you money when insuring your vehicles. Fewer drivers on the road means reduced accidents and also fewer theft and vandalism claims. Urban drivers have more traffic problems and longer commutes to work. More time on the road means more chance of being in an accident.
• Never go without auto insurance – Driving any period of time without insurance is not a good idea and you will pay a penalty because you let your coverage cancel without a new policy in place. Not only will rates go up, failure to provide proof of insurance may earn you a steep fine or even jail time. You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.

Tailor your insurance coverage coverage to you

When buying coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions may help you determine if you could use an agent’s help.

• Is my camper covered by my car insurance policy?
• Which companies will insure high-risk drivers?
• Why am I required to get a high-risk car insurance policy?
• Are rock chip repairs covered?
• How high should my medical payments coverage be?
• Does coverage extend to my business vehicle?
• What vehicles should carry emergency assistance coverage?
• 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, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Why you might not save $394 a year

Insurance providers like Allstate, Geico and Progressive consistently run television and radio advertisements. They all seem to tend to make the same promise about saving some big amount just by switching your policy. How do they all sell you cheaper insurance coverage? It’s all in the words they use.

Most companies have underwriting criteria for the type of driver that earns them the highest profit. A good example of this type of insured could possibly be between the ages of 30 and 50, has a low-risk occupation, and drives newer vehicles. A propective insured that matches those criteria will get low car insurance rates and therefore will save a lot if they switch.

Potential customers who cannot meet these stringent criteria will probably be forced to pay a higher rate which leads to the customer not purchasing. The trick is to say “drivers that switch” not “everybody who quotes” save money. That is how insurance companies can make claims that they all have the best prices. This really emphasizes why you need to compare free auto insurance quotes often. Because without a comparison, you cannot know which insurance company will have the lowest rate quotes.

Specifics of your auto insurance policy

Understanding the coverages of a auto insurance policy can help you determine 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 protection

Collision coverage covers damage to your Mountaineer resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, sideswiping another vehicle, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your 2010 Mercury Mountaineer.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Liability coverages

Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

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

Liability insurance covers things such as structural damage, court costs and bail bonds. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Medical expense insurance

Med pay and PIP coverage kick in for bills for surgery, dental work and hospital visits. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, damage from getting keyed and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

More effort can pay off

You just learned many tips how you can shop for 2010 Mercury Mountaineer insurance online. The key concept to understand is the more times you quote, the better your chances of lowering your auto insurance rates. Consumers may even find the best rates are with a small local company.

Consumers who switch companies do it for any number of reasons including high prices, an unsatisfactory settlement offer, delays in responding to claim requests or even high rates after DUI convictions. It doesn’t matter what your reason, finding a great new company is not as difficult as it may seem.

A few companies may not offer the ability to get a quote online and these smaller providers prefer to sell through local independent agents. Cheaper car insurance can be found on the web as well as from independent agents, so you need to compare both in order to have the best chance of saving money.

Additional information can be read at these links:

• What is a Telematics Device? (Allstate)
• What is Full Coverage? (Allstate)
• Medical Payments Coverage (Liberty Mutual)
• Five Mistakes to Avoid (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)