Save on 1999 Mercury Mountaineer Car Insurance Quotes

Are you a victim of an overpriced insurance coverage policy? Trust us, you’re not the only one.

You have multiple insurance companies to buy insurance from, and though it is a good thing to be able to choose, too many choices makes it more difficult to locate the cheapest rates.

You need to compare rates periodically because rates trend upward over time. Despite the fact that you may have had the best price on Mountaineer insurance six months ago the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding insurance coverage on the internet, so we’re going to give you some of the best ways to slash your insurance coverage rates.

Choosing the best insurance company for you is not rocket science. Essentially anyone who shops for auto insurance should be able to lower their premiums. But drivers need to have an understanding of how the larger insurance companies compete online and use this information to your advantage.

How to Compare Insurance

Most companies allow you to get prices for coverage online. Getting quotes is fairly straightforward as you just enter the amount of coverage you want as requested by the quote form. Once entered, their rating system automatically orders your driving and credit reports and gives you a price quote. Online quotes helps simplify price comparisons, but the time required to go to several different sites and type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to get many rate quotes if you want to find the best price possible.

Compare rates the easy way

An easier way to lower your rates is to use a quote form that analyzes rates from a lot of companies. It’s a real time-saver, requires much less work on your part, and makes online price comparison much more enjoyable and efficient. As soon as you send your information, it gets priced and you can choose any or none of the price quotes you receive. If the quotes result in lower rates, it’s easy to complete the application and buy the policy. It can be completed in less than 10 minutes and could lower your rates considerably.

If you want to compare rates now, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended that you enter coverages and limits exactly as shown on your declarations page. Using the same limits helps guarantee you will be getting comparison quotes based on the exact same insurance coverage.

Lower rates by qualifying for discounts

Companies don’t always advertise all their discounts very well, so we researched both the well known as well as the least known insurance coverage savings.

  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates on Mountaineer insurance than drivers with accident claims.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Discount for New Cars – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Multiple Cars – Insuring all your vehicles with the same company qualifies for this discount.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Mountaineer insurance with select insurance companies.

Consumers should know that most discounts do not apply the the whole policy. Most only cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears you could get a free insurance coverage policy, it doesn’t quite work that way.

Companies that may offer these discounts may include but are not limited to:

Before buying, ask all companies you are considering how you can save money. Savings might not apply everywhere.

Car insurance is unique, just like you

When choosing the best insurance coverage coverage for your vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions could help you determine whether or not you may require specific advice.

  • Do I pay less for low miles?
  • Do I really need UM/UIM coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I buy full coverage?
  • Do I have newly-aquired coverage?
  • How can I get my company to pay me more for my totalled car?
  • Is my camper covered by my car insurance policy?
  • Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Complexity of Mercury Mountaineer insurance rates

Smart consumers have a good feel for the rating factors that go into determining auto insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Bump up deductibles to save – Deductibles for physical damage define the amount you are required to spend in the event of a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, and windstorm damage. The more you are required to pay out-of-pocket, the less your auto insurance will be on Mountaineer insurance.
  • Men pay higher rates – Statistics show women are more cautious behind the wheel. However, this does not mean women are better drivers. They both are in accidents at about the same rate, but men have costlier accidents. Men also have more aggressive citations like DUI and reckless driving. Young males are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Theft deterrents lower rates – Driving a car with anti-theft technology or alarm system can help bring down rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Multi-policy discounts can save money – Some companies give discounts to policyholders who carry more than one policy in the form of a multi-policy discount. Even with this discount, it’s in your best interest to comparison shop to confirm you are receiving the best rates possible. Drivers may still find a better deal by splitting coverages up.
  • High credit ratings translate to low rates – Having a bad credit history is a big factor in determining what you pay for auto insurance. If your credit rating is not that good, you could pay less to insure your 1999 Mercury Mountaineer by repairing your credit. People with good credit tend to be more responsible than drivers with lower credit scores.
  • Older drivers save more – Youthful drivers are known to be less responsible when driving so they pay higher auto insurance rates. If you’ve ever had to add a youthful driver onto a policy can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores can get you lower premiums. The safest vehicles have better occupant injury protection and lower injury rates means lower claim amounts and lower rates for you. If your Mercury scored better than four stars on Safercar.gov you are probably receiving a discount.
  • Protect yourself with liability coverage – Your policy’s liability coverage provides coverage in the event that you are found liable for causing damage or personal injury in an accident. It will provide for a legal defense which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.

Auto insurance coverage information

Learning about specific coverages of insurance can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages offered by insurance companies.

Liability coverages

Liability coverage can cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that translate to $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 coverage pays for claims like bail bonds, pain and suffering and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as falling objects, theft and hitting a bird. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance

Med pay and PIP coverage pay for expenses for things like doctor visits, EMT expenses, X-ray expenses and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Collision protection

This coverage pays for damage to your Mountaineer resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, colliding with another moving vehicle, colliding with a tree, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mercury Mountaineer.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Do the work, save more money

As you go through the steps to switch your coverage, make sure you don’t reduce coverage to reduce premium. In too many instances, drivers have reduced liability coverage limits and discovered at claim time they didn’t have enough coverage. Your aim should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Low-cost 1999 Mercury Mountaineer insurance can be sourced from both online companies and with local insurance agents, so compare prices from both to have the best selection. A few companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

You just read some good ideas how you can get a better price on insurance. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. You may even find the biggest savings come from some of the lesser-known companies. These smaller insurers may only write in your state and offer lower rates compared to the large companies like Allstate, Geico and Progressive.

For more information, take a look at the articles below: