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Mercury Mountaineer Insurance Cost

You have many choices when finding cheaper insurance coverage on your Mercury vehicle. You can either contact your neighborhood insurance agent or go online to check prices from multiple companies. Finding cheaper car insurance online can be fast and easy, in addition you will probably save money.

If you are a novice to online car insurance shopping, you may be confused by the hoards of car insurance companies competing for your business. To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The easiest way by far to find competitive Mountaineer insurance rates is to perform an online rate comparison. This is very easy and can be done by completing this short form.

Criteria which help determine Mountaineer insurance quotes

Insurance rates for a Mercury Mountaineer will vary greatly depending on several factors. A few of these criteria are:

  • Higher performance Mountaineer vehicles cost more
  • Your accident history
  • Home/auto policy bundles save money
  • Use of your vehicle
  • Optional coverages like vehicle replacement
  • Your profession
  • The amount of protection requested
  • Owning a home can lower rates

One last important factor which can affect the rate you pay on your Mercury is the year of manufacture. Models that are a few years old have a much lower replacement value so repair costs tend to be lower which may result in lower rates. But newer models may have options including forward-collision avoidance, sideview assist mirrors, and all-wheel drive so those may give discounted rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Mountaineer from the following list.

Liability coverage

This coverage protects you from injuries or damage you cause to other people or property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision protection

This pays for damage to your Mercury caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. Mountaineer collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills for things like ambulance fees, surgery, and doctor visits. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Mercury Mountaineer Insurance Rates?