Save on 2007 Mercury Mountaineer Insurance Quotes

Want cheaper car insurance rates for your Mercury Mountaineer? No one likes having to buy car insurance, especially knowing their premiums are through the roof.

Insurance companies such as State Farm, Allstate, Geico and Progressive persitently shower you with advertising and it is challenging if not impossible to ignore the flashy ads and take the time to shop coverage around.

It’s a great practice to price shop coverage occasionally because rates go up and down regularly. Even if you got the lowest rates on Mountaineer insurance on your last policy you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the best way to buy cheaper car insurance.

How to Compare Insurance Coverage

There are multiple methods to shop for 2007 Mercury Mountaineer insurance coverage, but one way is easier and takes less work. You can waste hours talking about coverages with agents in your area, or you could save time and use online quoting to get the quickest rates.

Most of the larger companies are enrolled in a marketplace that allows shoppers to complete one form, and every company then gives them pricing based on that data. This eliminates the need for form submissions for each company you want a rate for.

To participate in this free quote system, click to open in new window.

One minor caviat to using this type of system is you cannot specify the providers to receive prices from. If you wish to select from a list of companies to compare, we have a listing of companies who write insurance coverage in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just ensure you are comparing exactly the same coverage limits with each company. If you compare mixed coverages it’s not possible to determine the lowest rate for your Mercury Mountaineer. Slightly different coverages can mean a large discrepancy in price. Just keep in mind that more quotes provides better odds of finding a lower rate.

Pay less for Mercury Mountaineer insurance

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not even be aware of. A few discounts will automatically apply at the time of purchase, but a few must be specifically requested prior to getting the savings.

  • Accident Forgiveness – A few companies permit an accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% on Mountaineer insurance with a few insurance companies.
  • Discount for Swiching Early – Some companies give discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • 55 and Retired – Mature drivers may be able to get better insurance rates on Mountaineer insurance.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Drive Less and Save – Fewer annual miles on your Mercury could be rewarded with a substantially lower rate.

As a disclaimer on discounts, most credits do not apply the the whole policy. Most only apply to individual premiums such as medical payments or collision. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way. But any discount will help reduce your overall premium however.

Companies that may have these money-saving discounts are:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Savings might not be offered in your area.

Tailor your coverage to you

When buying coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that can aid in determining if you would benefit from an agent’s advice.

  • When can I cancel my policy?
  • Do I need motorclub coverage?
  • Will my insurance pay for OEM parts?
  • Should I buy only the required minimum liability coverage?
  • Is my teenager covered with friends in the car?
  • What is the difference between comprehensive and collision coverage?
  • Why do I only qualify for high-risk insurance?

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 or go to this page to view a list of companies.

Mercury Mountaineer rate determination is complex

Smart consumers have a good feel for the factors that play a part in calculating your insurance coverage rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in better insurance coverage rates.

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

  • Being married is a good thing – Getting married can get you a discount on insurance coverage. Having a spouse is viewed as being more mature and responsible and it’s proven that married drivers get in fewer accidents.
  • Don’t buy coverages you don’t need – There are quite a few additional coverages that you can buy on your insurance coverage policy. Things like personal injury protection, towing coverage and term life insurance may be costing you every month. They may seem good initially, but if they’re wasting money remove them from your policy.
  • Credit scores impact insurance coverage rates – Your credit score is a huge factor in determining what you pay for insurance coverage. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower ratings. Therefore, if your credit is low, you could be paying less to insure your 2007 Mercury Mountaineer by repairing your credit.
  • Mature drivers pay less – More mature drivers tend to be more responsible, file fewer claims and receive fewer citations. Young drivers tend to be less responsible when driving and because of this, their insurance coverage rates are much higher.
  • Don’t sacrifice liability coverage – Liability insurance will protect you if you are found to be at fault for causing damage or personal injury in an accident. It provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.

Car insurance coverage information

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average car insurance policy.

Liability car insurance – Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as bail bonds, medical services, loss of income, funeral expenses and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for bills for nursing services, EMT expenses, hospital visits and X-ray expenses. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage covers damage to your Mountaineer caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like rolling your car, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like theft, a broken windshield and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” 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.

Since 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 should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Be a smart shopper

Cheap 2007 Mercury Mountaineer insurance is attainable on the web and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, make sure you don’t reduce coverage to reduce premium. There are too many instances where an accident victim reduced full coverage and found out when filing a claim that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage at the best price.

In this article, we covered some good ideas how you can get a better price on insurance. The key concept to understand is the more you quote, the better likelihood of reducing your rate. You may even find the biggest savings come from an unexpected company. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate, Geico and Progressive.

Additional detailed information can be read by following these links: