Cheaper 1997 Mercury Mountaineer Car Insurance Cost

Finding cheaper insurance for a Mercury Mountaineer can turn out to be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to shop for auto insurance and we’ll show you the absolute fastest way to quote coverages for a Mercury and obtain the lowest possible price either online or from local insurance agents.

How to Compare Car Insurance Rates

Lowering your 1997 Mercury Mountaineer car insurance rates is actually quite simple. Just spend a little time comparing rates provided by online insurance companies. This can be accomplished in a couple of different ways.

The fastest way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This method keeps you from doing boring form submissions for every car insurance company. Taking the time to complete one form will get you rate comparisons from several companies. Just one form and you’re done.

A harder way to analyze rates requires a visit to the website for every company you want to comare and complete a new quote form. For examples sake, we’ll assume you want rates from Progressive, Farmers and Travelers. To get each rate you have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method.

To view a list of companies in your area, click here.

Whichever method you choose, be sure to compare the exact same information for each price quote. If you have higher or lower deductibles it will be very difficult to make a fair comparison for your Mercury Mountaineer.

Discounts to lower 1997 Mercury Mountaineer insurance rates

Auto insurance companies don’t always advertise all available discounts very well, so the following is a list of some of the more common and also the lesser-known savings tricks you should be using. If you don’t get every credit you deserve, you are paying more than you should be.

Sign Online – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
No Accidents – Drivers with accident-free driving histories can earn big discounts when compared to bad drivers.
Federal Employees – Simply working for the federal government can save as much as 8% for Mountaineer coverage depending on your company.
Pay Now and Pay Less – By paying your policy upfront instead of paying each month you could save 5% or more.
Clubs and Organizations – Being a member of a qualifying organization may earn a discount when shopping for auto insurance for Mountaineer coverage.
Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Mountaineer coverage than less cautious drivers.
Passive Restraint Discount – Cars that have air bags can receive discounts of 20% or more.
55 and Retired – Older drivers may be able to get better auto insurance rates for Mountaineer coverage.
More Vehicles More Savings – Having multiple cars or trucks on one policy could earn a price break for each car.

It’s important to understand that most discount credits are not given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you can get free auto insurance, companies don’t profit that way.

For a list of providers who offer auto insurance discounts, click this link.

Tailor your coverage to you

When choosing the best insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different.

For example, these questions might point out whether you might need an agent’s assistance.

Should I buy additional glass protection?
Why am I be forced to buy a membership to get insurance from some companies?
Why am I required to get a high-risk car insurance policy?
What if I owe more than I can insure my car for?
Is my trailer covered?
Is my vehicle covered by my employer’s policy when using it for work?
Can I drive in Mexico and have coverage?
What is covered by UM/UIM coverage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Learn about insurance coverages for a Mercury Mountaineer

Learning about specific coverages of insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Mercury Mountaineer.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like pain medications, ambulance fees, dental work, prosthetic devices and chiropractic care. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, hitting a deer, vandalism, rock chips in glass and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability

This coverage can cover damage or injury you incur to other’s property or people in an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like medical expenses, attorney fees, medical services, funeral expenses and loss of income. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Collision coverage

This covers damage to your Mountaineer caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, crashing into a ditch, rolling your car, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.