2008 Mercury Mountaineer Car Insurance Rates

Looking for better auto insurance rates? Shoppers have a choice when shopping for affordable Mercury Mountaineer insurance. You can either waste hours struggling with agents getting price quotes or use the internet to make rate comparisons.

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

It’s a good idea to do rate comparisons occasionally because insurance rates change quite often. Even if you got the lowest price on Mountaineer coverage on your last policy you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re about to learn how to quote online to get good coverage at a lower rate.

This article will tell you how to get online quotes and some tips to save money. If you currently have car insurance, you will be able to save some money using these methods. Drivers only need an understanding of the most efficient way to shop over the internet.

The quickest method we recommend to get policy rate comparisons is to know auto insurance companies participate in a system to give you rate quotes. The only thing you need to do is spend a couple of minutes providing details including whether the vehicles are used for commuting, what your job is, if a SR-22 is needed, and the make and model of your vehicles. The data is instantly sent to insurance carriers in your area and you will get price comparisons within a short period of time.

Why you might be paying too much to insure your Mercury Mountaineer

Consumers need to have an understanding of the factors that go into determining your auto insurance rates. Knowing what impacts premium levels helps enable you to make changes that may reward you with better auto insurance rates.

Listed below are a partial list of the pieces that factor into rates.

  • A clean driving record saves money – Only having one citation can bump up the cost forty percent or more. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers with flagrant tickets like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
  • Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for auto insurance? Occupations such as judges, social workers and stock brokers are shown to have the highest rates in part from job stress and long work days. On the other hand, occupations such as pilots, students and performers pay the least on Mountaineer coverage.
  • One company can mean more discounts – Many auto insurance companies will award you with lower prices to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, you may still want to comparison shop to verify if the discount is saving money.
  • Do you know you’re credit rating? – Credit score is a huge factor in your rate calculation. Drivers with good credit tend to file fewer claims and have better driving records than drivers with lower credit ratings. So if your credit score is low, you could be paying less to insure your 2008 Mercury Mountaineer by improving your rating.
  • Liability coverage is peace of mind – Liability coverage will protect you when a jury decides you are liable for damages caused by your negligence. It provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
  • Better crash test results mean better rates – Vehicles with good safety scores are cheaper to insure. Safer cars have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Mercury Mountaineer earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Males pay more for insurance – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Both sexes cause accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations like reckless driving and DUI.
  • Your location affects your rates – Living in a small town can save you money when buying auto insurance. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims. Urban drivers tend to have traffic congestion and longer commute times. Longer commute distances can result in more accidents.

Lower rates by qualifying for discounts

Car insurance is not cheap, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically when you quote, but a few need to be requested specifically before you will receive the discount. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Club Memberships – Belonging to a civic or occupational organization may earn a discount on your policy on Mountaineer coverage.
  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less on Mountaineer coverage than drivers with accident claims.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Save over 55 – Mature drivers may qualify for a discount up to 10% on Mountaineer coverage.
  • Safety Course Discount – Completing a defensive driving course could cut 5% off your bill if you qualify.
  • Paperwork-free – Certain companies give back up to $50 just for signing your application digitally online.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
  • No Claims – Drivers with accident-free driving histories pay less when compared to accident-prone drivers.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off on Mountaineer coverage with a few insurance coverage companies.

A little note about advertised discounts, most discount credits are not given the the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, you’re out of luck. But any discount will help reduce the cost of coverage.

For a list of providers offering insurance coverage discounts, follow this link.

Car insurance is unique, just like you

When choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine if your situation would benefit from an agent’s advice.

  • Do I need replacement cost coverage on my 2008 Mercury Mountaineer?
  • Do I have coverage when pulling a U-Haul trailer?
  • What exactly is covered by my policy?
  • How can I find cheaper teen driver insurance?
  • Am I covered when using my vehicle for business?
  • I have a DUI can I still get coverage?
  • Should I waive the damage coverage when renting a car?
  • Do I have coverage when making deliveries for my home business?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverages for a 2008 Mercury Mountaineer

Having a good grasp of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like ambulance fees, X-ray expenses, prosthetic devices, EMT expenses and nursing services. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

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

Collision insurance covers claims like rolling your car, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Liability

This coverage will cover damage that occurs to a person or their property in an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like medical services, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

UM/UIM Coverage

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mercury Mountaineer.

Since many 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. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like vandalism, rock chips in glass, a tree branch falling on your vehicle, damage from flooding and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

More quotes. Lower rates.

As you shop your coverage around, do not reduce needed coverages to save money. In many instances, drivers have reduced uninsured motorist or liability limits only to find out they didn’t have enough coverage. Your goal should be to get the best coverage possible at a price you can afford.

We just presented some good ideas how to compare 2008 Mercury Mountaineer insurance prices online. The key thing to remember is the more you quote, the better your comparison will be. Drivers may discover the biggest savings come from a small local company.

People switch companies for any number of reasons including denial of a claim, extreme rates for teen drivers, high rates after DUI convictions and even high prices. It doesn’t matter why you want to switch finding a new company is less work than it seems.

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