Cheap 2001 Mercury Mountaineer Insurance Quotes

Sick and tired of being strong-armed to insure your Mercury every month? You’re in the same situation as many other consumers.

Online insurance companies like Allstate, Liberty Mutual and State Farm persitently shower you with TV and radio ads and it is challenging if not impossible to separate fact from fiction and do the work needed to find the best deal.

It’s a good habit to compare prices once or twice a year because prices are variable and change quite frequently. Even if you think you had the best deal for Mountaineer insurance a year ago there is a good chance you can find better rates now. So forget all the misinformation about auto insurance because I’m going to teach you the fastest and easiest way to reduce your cost while increasing coverage.

The fastest way that we advise to compare car insurance company rates utilizes the fact car insurance companies provide online access to provide you with free rate quotes. To get started, all you need to do is give the companies some data like level of coverage desired, if you are currently licensed, how you use your vehicles, and types of safety features. That information is then sent to multiple auto insurance providers and they provide comparison quotes within a short period of time.

Don’t listen to company ads

Insurance coverage companies such as State Farm, Geico and Progressive continually stream ads on television and other media. They all seem to make an identical promise that you can save after switching to them. How does each company make the same claim?

Different companies can use profiling for the right customer that makes them money. A good example of a driver they prefer might be between the ages of 40 and 55, owns a home, and has great credit. A propective insured who fits that profile will get the preferred rates and therefore will save a lot of money.

Drivers who do not match the requirements will be charged higher prices which leads to the driver buying from a lower-cost company. The ads say “customers that switch” not “everyone that quotes” save that kind of money. That’s the way companies can claim big savings. That is why drivers must quote coverage with many companies. You cannot predict the company that will give you the biggest savings on Mercury Mountaineer insurance.

Mercury Mountaineer insurance rates can be determined by these details

It’s important that you understand the rating factors that go into determining the price you pay for insurance coverage. Having a good understanding of what controls the rates you pay helps enable you to make changes that can help you get much lower annual insurance costs.

  • Don’t get talked into coverage you don’t need – There are quite a few additional coverages you can purchase if you aren’t careful. Things like rental car reimbursement, better glass coverage and additional equipment coverage may be wasting your money. They may seem good when talking to your agent, but now you might not need them so remove them from your policy.
  • Your job and insurance rates – Occupations such as lawyers, executives and stock brokers have the highest rates due to high stress levels and lots of time spent at work. On the other hand, jobs such as farmers, students and retirees get better rates for Mountaineer insurance.
  • Do you know you’re credit rating? – Your credit score is a important factor in calculating your insurance coverage rates. If your credit is lower than you’d like, you could pay less to insure your 2001 Mercury Mountaineer by repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Liability insurance protects assets – Liability coverage is the protection if ever you are found to be at fault for causing damage or personal injury in an accident. It provides legal defense which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.

Don’t pay full price with these discounts

Companies do not advertise every available discount very clearly, so we researched both the well known and also the lesser-known savings tricks you should be using.

  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Low Mileage – Fewer annual miles on your Mercury could qualify for better rates on cars that stay parked.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off for Mountaineer insurance with certain companies.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less for Mountaineer insurance than less cautious drivers.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.

It’s important to note that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

Insurance companies that may have these discounts include:

Before buying, ask each insurance company what discounts are available to you. Savings may not be available in your area.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Every situation is different so this has to be addressed. For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Can I drive in Mexico and have coverage?
  • When would I need additional glass coverage?
  • What happens if I owe more than my 2001 Mercury Mountaineer is worth?
  • Does my 2001 Mercury Mountaineer need full coverage?
  • Is my teenager covered with friends in the car?
  • When should I buy a commercial auto policy?
  • I have health insurance so do I need medical payments coverage?
  • How much liability insurance is required?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Specific coverage details

Having a good grasp of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by car insurance companies.

Collision protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a building, sideswiping another vehicle, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Coverage for liability

Liability coverage will cover damage that occurs to other people or property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like medical services, bail bonds and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mercury Mountaineer.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for rehabilitation expenses, EMT expenses, prosthetic devices, surgery and funeral costs. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, fire damage, hitting a deer and rock chips in glass. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Don’t be a big spender

We covered many tips how you can save on 2001 Mercury Mountaineer insurance. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. You may even find the best price on insurance is with the smaller companies. Regional companies can often insure niche markets at a lower cost than their larger competitors like Geico and State Farm.

Cheap insurance is definitely available on the web as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some companies don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

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