Compare 2006 Mercury Mountaineer Car Insurance Rates

Paying for high-priced Mercury Mountaineer insurance can empty your savings account, especially in this economy. Comparing price quotes is a great way to reduce premiums and put more money in your pocket.

Drivers have so many car insurance companies to insure vehicles with, and even though it’s nice to have a selection, so many choices can make it hard to adequately compare rates.

Cut your insurance coverage rates with discounts

The price of auto insurance can be rather high, but you can get discounts to help offset the cost. Certain discounts will be applied when you quote, but a few must be specially asked for in order for you to get them.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Government Employees – Simply working for the federal government can save as much as 8% for Mountaineer insurance depending on your company.
  • Paperless Signup – A few companies will give a small break for buying a policy and signing up over the internet.
  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Homeowners Savings – Owning a house may trigger a insurance coverage policy discount because owning a home shows financial diligence.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. The discount lasts until age 25.
  • Claim Free – Drivers who don’t have accidents pay less as compared to bad drivers.
  • Low Mileage Discounts – Driving fewer miles can earn better rates on cars that stay parked.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Passive Restraint Discount – Cars that have air bags can get savings of up to 25% or more.

It’s important to note that many deductions do not apply the the whole policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you’re out of luck. But any discount will reduce your overall premium however.

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

Check with each insurance company which discounts they offer. All car insurance discounts may not apply in your area.

How to Buy Auto Insurance Online

Most companies such as Geico, State Farm and Progressive provide coverage prices on the web. Getting online quotes is fairly simple as you simply type in the amount of coverage you want as detailed in the form. After you complete the form, the company’s rating system obtains information on your driving record and credit history and generates pricing information based on these and other factors. Being able to quote online streamlines rate comparisons, but the time required to go to a lot of sites and type in the same information can be a bit repetitive. But it’s very important to do this if you want to find a lower rate.

The quickest way to find better auto insurance pricing requires only one form to obtain quotes from a lot of companies. It saves time, reduces the work, and makes price shopping online a lot less work. After sending your information, it is rated and you are able to buy any or none of the returned quotes.

If a lower price is quoted, you can simply submit the application and buy the policy. It just takes a couple of minutes and you will know how your current rates stack up.

To find out how much you can save on auto insurance, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you enter the limits and deductibles exactly as shown on your declarations page. This guarantees you will get rate quotes using the exact same coverages.

Impacting insurance rates for a Mercury Mountaineer

It’s important that you understand the different types of things that help determine insurance coverage rates. Having a good understanding of what determines base rates enables informed choices that may reward you with big savings.

The following are a few of the “ingredients” insurance coverage companies consider when setting rates.

  • More claims means more premium – If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies provide lower rates to drivers who do not file claims often. Auto insurance is intended for the large, substantial claims.
  • Lower rates with optional equipment – Owning a car with an alarm system can help bring down rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
  • Your age impacts your rates – Older insureds are more cautious drivers, file fewer claims and receive fewer citations. Young drivers tend to get distracted easily when behind the wheel and because of this, their insurance coverage rates are much higher.
  • Liability coverage is peace of mind – Liability coverage provides coverage in the event that you are found liable for damages caused by your negligence. Liability provides legal defense which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • High crash test scores lower rates – Vehicles with good safety scores tend to have better insurance rates. Safer cars have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Mercury Mountaineer is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.

You are unique and your car insurance should be too

When buying the best car insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can help discover if you would benefit from professional advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if I wreck a rental car?
  • Am I insured when driving a different vehicle?
  • What are the financial responsibility laws in my state?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving in Canada or Mexico?
  • Do I really need UM/UIM coverage?
  • Do I need roadside assistance coverage?
  • Will my insurance pay for OEM parts?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance providers like Geico, State Farm and Progressive constantly bombard you with ads on TV and radio. They all have a common claim that you can save if you switch to them. How can each company make almost identical claims? It’s all in the numbers.

All the different companies have a preferred profile for the type of driver they prefer to insure. For example, a preferred risk could be between 30 and 50, has no tickets, and chooses high deductibles. A customer who matches those parameters will get very good rates and most likely will save when they switch companies.

Potential customers who don’t measure up to the requirements will have to pay more money and ends up with business not being written. Company advertisements say “customers that switch” not “everyone that quotes” save that much. This is how insurance companies can confidently advertise the way they do.

Because of the profiling, drivers must quote coverage with many companies. You cannot predict which insurance companies will give you the biggest savings on Mercury Mountaineer insurance.

Car insurance policy specifics

Having a good grasp of a car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most car insurance policies.

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Mercury Mountaineer.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Comprehensive coverage

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, hitting a bird, damage from getting keyed and a broken windshield. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills like nursing services, doctor visits, pain medications, EMT expenses and prosthetic devices. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for 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 limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as court costs, funeral expenses, attorney fees, loss of income and medical services. How much coverage you buy is up to you, but consider buying higher limits if possible.

Collision protection

Collision insurance pays for damage to your Mountaineer resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a parking meter, colliding with a tree and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Summing up your auto insurance search

In this article, we covered quite a bit of information on how to get a better price on 2006 Mercury Mountaineer insurance. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the best price on auto insurance is with a smaller regional carrier. Regional companies can often provide lower rates in certain areas than their larger competitors like Allstate, Geico and Progressive.

Cost effective insurance is attainable on the web as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies don’t offer online price quotes and most of the time these small insurance companies sell through independent agents.

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