Cheaper 1998 Mercury Mountaineer Insurance Quotes

Shoppers have a choice when shopping for the best price on Mercury Mountaineer insurance. They can either spend hours driving around trying to get quotes or use the internet to get rate quotes. There is a better way to buy insurance coverage and we’ll show you the absolute fastest way to get price quotes for a Mercury and find the lowest price from local insurance agents and online providers.

Companies offer discounts so take them!

Companies offering auto insurance don’t necessarily list all available discounts very well, so we break down some of the best known as well as the least known car insurance savings. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Claim Free – Drivers who don’t have accidents pay much less compared to frequent claim filers.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Early Switch Discount – Select companies give a discount for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • E-sign – A handful of insurance companies will give a small break just for signing your application on their website.
  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% on Mountaineer coverage.
  • Homeowners Savings – Owning a home may trigger a car insurance policy discount because of the fact that having a home shows financial diligence.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. Just because you may think you can get free auto insurance, companies don’t profit that way.

Insurance companies that may have some of the above discounts include:

Check with every prospective company what discounts are available to you. Discounts might not apply in every state.

Why you might be paying too much to insure your Mercury Mountaineer

Consumers need to have an understanding of the different types of things that play a part in calculating car insurance rates. Knowing what controls the rates you pay helps enable you to make changes that can help you get lower car insurance prices.

Shown below are a few of the “ingredients” that factor into your rates.

  • How many coverages with the same company – The majority of companies give discounts to policyholders who have multiple policies with them. It’s known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s in your best interest to compare other company rates to make sure you are getting the best deal.
  • Always keep insurance in force – Having an insurance coverage lapse will be a sure-fire way to increase your car insurance rates. And not only will insurance be more expensive, but being ticketed for driving with no insurance may earn you a license revocation or jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Rural vs Urban Areas – Living in small towns and rural areas can be a good thing when it comes to car insurance. Urban drivers regularly have much more traffic and longer commute times. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Do you have enough liability coverage? – The liability section of your policy is the protection if a court rules you are at fault for damages caused by your negligence. It provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Careful drivers pay lower rates – Your driving citation history has a big impact on rates. Good drivers get better rates than bad drivers. Even a single citation can increase rates forty percent or more. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.

Do I just need basic coverages?

When it comes to choosing coverage, there isn’t really a one size fits all plan. Each situation is unique.

Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Do I have coverage when using my vehicle for my home business?
  • Does coverage extend to Mexico or Canada?
  • I have a DUI can I still get coverage?
  • Is my Mercury Mountaineer covered if I use it for business?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is the minimum liability in my state?
  • At what point should I drop full coverage?
  • How high should my medical payments coverage be?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Buyer beware of insurance coverage advertising tricks

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like State Farm, Geico and Progressive. They all say the same thing of big savings if you change to them.

How does each company claim to save you money? This is how they do it.

Insurance companies have a certain “appetite” for the type of driver that is profitable for them. For example, a preferred risk might be between 25 and 40, owns a home, and has great credit. Any new insured who fits that profile is entitled to the best price and most likely will pay quite a bit less when switching companies.

Drivers who are not a match for these standards will be charged higher prices and ends up with business not being written. The ads state “customers who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can advertise the way they do. That is why you should compare many company’s rates. It’s not possible to predict the company that will have the lowest Mercury Mountaineer insurance rates.

Coverages available on your policy

Understanding the coverages of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as damaging your car on a curb, crashing into a building and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from flooding, damage from a tornado or hurricane, damage from getting keyed, theft and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family 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, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for surgery, rehabilitation expenses, funeral costs, EMT expenses and chiropractic care. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers things such as legal defense fees, medical services, funeral expenses, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Better coverage you can count on

You just read a lot of tips how to reduce 1998 Mercury Mountaineer insurance prices online. It’s most important to understand that the more times you quote, the higher the chance of saving money. Drivers may discover the biggest savings come from the smaller companies.

People leave their current company for a number of reasons such as delays in responding to claim requests, policy non-renewal, policy cancellation and an unsatisfactory settlement offer. Regardless of your reason, choosing a new company is less work than it seems.

When shopping online for auto insurance, you should never buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to get the best coverage possible at an affordable rate.

For more information, feel free to visit the following helpful articles: