Save on 2010 Mercury Mountaineer Insurance Rates

Looking for lower car insurance rates for your Mercury Mountaineer? Feel like you’re a prisoner to high-priced car insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse.

Companies like Progressive, Geico and Farmers Insurance all claim big savings, bombarding you with ads and it can be hard to see through the deception and find the best price available.

It’s a good idea to do rate comparisons occasionally because prices fluctuate regularly. Just because you found the lowest price on Mountaineer coverage on your last policy you can probably find a lower rate today. There is a lot of bad information regarding car insurance on the web, but with this article, you’re going to get some tested techniques to put money back in your pocket.

Comprehensive Auto Insurance Comparison

There are a variety of methods to compare 2010 Mercury Mountaineer auto insurance prices but there is one way that is more efficient than others. You could spend your day talking to insurance companies in your area, or you can stay home and use online quotes to get pricing more quickly.

Many insurance companies participate in an industry program that enables customers to submit one quote, and each participating company then returns a price quote based on that information. This prevents consumers from doing form submissions for every auto insurance company.

To enter your information into the quoting system, click here to open in new window.

The only drawback to pricing coverage this way is buyers cannot specifically choose which carriers you want pricing from. So if you want to choose specific providers to receive pricing from, we have a page of low cost auto insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, be sure to compare exactly the same coverage limits for each price quote. If you are comparing unequal deductibles or liability limits it’s impossible to determine which rate is truly the best. Slightly different coverages can make a big difference in price. And when price shopping your coverage, getting more free quotes will enable you to find a lower rate.

Get lower rates on 2010 Mercury Mountaineer insurance

Companies don’t always publicize all their discounts very clearly, so we break down both well-publicized and the harder-to-find savings tricks you should be using.

• Low Mileage Discounts – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
• Passive Restraint Discount – Cars that have air bags or automatic seat belts may earn rate discounts of up to 25% or more.
• Multiple Cars – Insuring all your vehicles on one policy can get a discount on all vehicles.
• Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiration. It can save you around 10%.
• Clubs and Organizations – Affiliation with certain professional organizations could trigger savings on insurance on Mountaineer coverage.

Keep in mind that many deductions do not apply the the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see a list of companies who offer insurance discounts, click here to view.

Tailor your coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every situation is different so your insurance should reflect that For example, these questions may help highlight if your insurance needs might need professional guidance.

• Is extra glass coverage worth it?
• How do I insure my teen driver?
• What should my uninsured motorist coverage limits be in my state?
• I don’t drive much so do I pay less?
• Why do I need rental car insurance?
• Can my teen drive my company car?
• Do I have coverage for damage caused while driving under the influence?
• Should I rate my 2010 Mercury Mountaineer as pleasure use or commute?
• Why do I only qualify for high-risk insurance?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Auto insurance coverage considerations

Having a good grasp of your policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types found on most auto insurance policies.

Uninsured and underinsured coverage – This provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2010 Mercury Mountaineer.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Coverage for liability – Liability insurance will cover damage that occurs to other people or property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against things like structural damage, repair bills for other people’s vehicles, bail bonds and medical expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments – Med pay and PIP coverage reimburse you for short-term medical expenses for things like surgery, chiropractic care, prosthetic devices, doctor visits and EMT expenses. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, colliding with another moving vehicle, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverages – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, hitting a bird and hail damage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.