2004 Mercury Mountaineer Car Insurance Quotes – 10 Ways to Save

Shoppers have many options when shopping for the best price on Mercury Mountaineer insurance. They can either waste time contacting agents trying to get quotes or utilize the internet to make rate comparisons.

There are both good and bad ways to compare insurance rates and we’ll show you the quickest way to get price quotes for a new or used Mercury and obtain the best price possible either online or from local insurance agents.

You should take the time to get comparison quotes before your policy renews because insurance rates fluctuate regularly. Just because you had the lowest rates on Mountaineer insurance two years ago there may be better deals available now. Block out anything you think you know about insurance because you’re about to find out the fastest way to eliminate unnecessary coverages and save money.

This information will help you learn how to get online quotes and some tips to save money. If you currently have car insurance, you will be able to reduce your rates substantially using this information. Vehicle owners just need to learn the tricks to get comparison quotes online.

The best way we recommend to compare insurance rates from multiple companies utilizes the fact most of the bigger providers will pay a fee to give free rates quotes. To start a quote, the only thing you need to do is give them some information such as if a SR-22 is needed, distance driven, types of safety features, and if you’re married. Your details gets transmitted to many different companies and you will receive price estimates instantly.

To start a quote now, click here and complete the form.

You probably qualify for some discounts

The price of auto insurance can be rather high, but there are discounts available to cut the cost considerably. A few discounts will automatically apply at quote time, but lesser-known reductions have to be specifically requested before being credited. If you’re not getting every credit possible, you’re just leaving money on the table.

• Sign Early and Save – Select companies give a discount for switching to them prior to your current policy expiration. It can save you around 10%.
• Life Insurance – Some companies give a discount if you purchase life insurance from them.
• Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on Mountaineer insurance with a few auto insurance companies.
• Own a Home – Owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
• Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
• No Charge for an Accident – A few companies will forgive one accident without raising rates so long as you haven’t had any claims prior to the accident.
• Drive Less and Save – Low mileage vehicles can qualify you for a substantially lower rate.
• Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates on Mountaineer insurance than less cautious drivers.
• Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
• Multi-policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of at least 10% off all policies.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, auto insurance companies aren’t that generous. Any qualifying discounts will help reduce your overall premium however.

For a list of insurance companies with the best auto insurance discounts, click here to view.

There’s no such thing as the perfect policy

When choosing proper insurance coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether you could use an agent’s help.

• Do I need to file an SR-22 for a DUI in my state?
• Am I getting all the discounts available?
• Why is insurance for a teen driver so high?
• How can I get my company to pay me more for my totalled car?
• Is my camper covered by my car insurance policy?
• Does my medical payments coverage pay my health insurance deductible?
• How can I get high-risk coverage after a DUI?
• Does my policy cover my teen driver if they drive my company car?
• Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

The coverage is in the details

Having a good grasp of a insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, rock chips in glass, damage from flooding, falling objects and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Liability coverage – This coverage protects you from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from claims by other people, and 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 values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as court costs, emergency aid and loss of income. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like funeral costs, EMT expenses, hospital visits and pain medications. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2004 Mercury Mountaineer.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.