How Much Does 2009 Mercury Mountaineer Car Insurance Cost?

Looking for cheaper auto insurance rates for your Mercury Mountaineer? No one likes paying for auto insurance, particularly when the cost is too high. Many car insurance companies vie to insure your vehicles, so it’s not easy to compare every insurer to find the lowest price

How to Lower Your Insurance Cost

Performing a rate comparison is a ton of work if you don’t utilize the most efficient way to do it. You can spend countless hours talking to insurance companies in your area, or you can stay home and use online quoting for quick rates.

Many popular insurance companies enroll in a system where insurance shoppers enter their coverage request one time, and at least one company can provide price quotes based on the submitted data. This saves time by eliminating form submissions to each company.

To find out what other companies charge for 2009 Mercury Mountaineer insurance click here to start a free quote.

The one disadvantage to comparing rates this way is buyers cannot specifically choose which insurance companies you want pricing from. So if you prefer to choose from a list of companies to compare rates, we have a page of companies who write insurance in your area. View list of insurance companies.

However you get your quotes, make absolute certain that you use the exact same deductibles and coverage limits with each company. If you are comparing differing limits you can’t possibly make a fair comparison for your Mercury Mountaineer.

Why your Mercury Mountaineer insurance rates may be high

It’s important that you understand the different types of things that play a part in calculating your auto insurance rates. Understanding what determines base rates empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.
  • Your job and insurance rates – Jobs such as lawyers, business owners and financial analysts tend to pay higher average rates because of stressful work requirements and long work hours. Conversely, professions such as scientists, engineers and retirees have the lowest average rates for Mountaineer coverage.
  • Where you live is a factor – Being located in a small town can save you money when talking about auto insurance. Fewer people means fewer accidents. Drivers who live in large cities have traffic congestion and much longer commute distances. More time commuting means higher likelihood of an accident.
  • Frequent auto insurance claims increase rates – Auto insurance companies provide better rates to drivers who are claim-free. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for larger claims.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores can get you lower premiums. The safest vehicles protect occupants better and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Mercury has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

Discounts are great for lower rates

Companies that sell car insurance do not advertise every available discount in a way that’s easy to find, so we researched both the well known and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Good Students Pay Less – This discount can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Mercury can earn lower rates on the low mileage vehicles.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less for Mountaineer coverage than their less cautious counterparts.
  • One Accident Forgiven – A handful of insurance companies permit an accident before your rates go up if you are claim-free for a certain period of time.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Club Memberships – Belonging to a qualifying organization could trigger savings on auto insurance for Mountaineer coverage.

It’s important to understand that some credits don’t apply to all coverage premiums. Most only cut specific coverage prices like liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck.

A partial list of companies that possibly offer these money-saving discounts are:

Double check with every prospective company which discounts they offer. Some discounts might not apply in your area.

You may need specialized coverage

When it comes to choosing the right insurance coverage, there is no single plan that fits everyone. Every situation is different so your insurance should reflect that For instance, these questions might point out whether you might need an agent’s assistance.

  • What vehicles should carry emergency assistance coverage?
  • Are rock chip repairs covered?
  • What is PIP insurance?
  • Am I covered when delivering products for my home-based business?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I have combined single limit or split liability limits?
  • When should I drop full coverage on my 2009 Mercury Mountaineer?
  • What happens if I owe more than my 2009 Mercury Mountaineer is worth?
  • Do I need to file an SR-22 for a DUI in my state?
  • What is the minimum liability in my state?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Car insurance coverages for a Mercury Mountaineer

Knowing the specifics of your auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverages found on the average auto insurance policy.

Comprehensive protection

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as falling objects, a broken windshield and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for nursing services, doctor visits, ambulance fees, hospital visits and EMT expenses. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage will pay to fix damage to your Mountaineer caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2009 Mercury Mountaineer.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability

Liability insurance protects you from damage that occurs to people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things like bail bonds, pain and suffering, structural damage and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Have money to burn

Affordable 2009 Mercury Mountaineer insurance can be bought online in addition to many insurance agents, so compare prices from both to get a complete price analysis. Some auto insurance companies do not provide the ability to get a quote online and these regional insurance providers work with independent agents.

When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. There are too many instances where someone sacrificed liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

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