1998 Mercury Mountaineer Insurance Quotes – 8 Tricks for Best Rates

Wish you could get out of overpriced insurance? You’re in good company because many drivers feel the same as you. Big companies like Progressive, State Farm and GEICO all claim big savings, bombarding you with ad campaigns and consumers find it hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you have insurance now or are looking for a new policy, you can follow these tips to cut your premiums and possibly find even better coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers only need to know how to compare prices online.

Verify you’re earning every discount

Auto insurance can be pricey, but there’s a good chance there are discounts that could help you make your next renewal payment. Certain discounts will be applied when you quote, but once in a while a discount must be requested specifically before being credited.

  • Driver Training Discounts – Taking time to complete a course teaching safe driver skills could cut 5% off your bill if your company offers it.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for Mountaineer insurance.
  • Pay Early and Save – If you pay your bill all at once rather than spreading payments over time you can avoid the installment charge.
  • Professional Organizations – Joining qualifying clubs or civic groups is a simple method to lower premiums on your next auto insurance statement.
  • Switch and Save Discount – A few larger companies offer discounts for buying a new policy prior to the expiration date on your current policy. This can save 10% or more.
  • Military Discounts – Being deployed in the military could trigger a small discount.
  • New Car Discount – Insuring a vehicle that is new may earn a small discount compared to insuring an older model.
  • Distant Student Discount – who live away from home at college and do not have a car can be insured at a reduced rate.

As is typical with insurance, most credits do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like adding up those discounts means a free policy, companies don’t profit that way.

Larger auto insurance companies and some of the discounts are detailed below.

  • Farm Bureau may include discounts for driver training, multi-policy, safe driver, 55 and retired, multi-vehicle, and good student.
  • State Farm policyholders can earn discounts including student away at school, safe vehicle, multiple policy, passive restraint, and driver’s education.
  • Progressive offers discounts including multi-vehicle, homeowner, online signing, online quote discount, good student, continuous coverage, and multi-policy.
  • Allstate may offer discounts for anti-theft, early signing, resident student, good payer, and economy car.
  • Nationwide offers discounts for accident-free, family plan, business or organization, multi-policy, and Farm Bureau membership.
  • MetLife offers premium reductions for multi-policy, good driver, good student, accident-free, claim-free, defensive driver

Double check with each company which discounts you may be entitled to. Discounts might not be offered in your area. To find insurers that offer discounts, follow this link.

When should I discuss my situation with an agent?

When it comes to choosing the best insurance coverage coverage, there is no perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether or not you may require specific advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Are rental cars covered under my policy?
  • How can I find cheaper teen driver insurance?
  • Will my rates increase for filing one claim?
  • Am I covered when delivering products for my home-based business?
  • Do I need replacement cost coverage on my 1998 Mercury Mountaineer?
  • Is my babysitter covered when using my vehicle?
  • Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Car insurance specifics

Having a good grasp of your car insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on most car insurance policies.

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like theft, vandalism and a tree branch falling on your vehicle. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Mercury Mountaineer.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto collision coverage

Collision coverage pays for damage to your Mountaineer caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a mailbox, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like dental work, nursing services, doctor visits, EMT expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Coverage for liability

This coverage provides protection from injuries or damage you cause to other people or property. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like loss of income, repair costs for stationary objects, medical services, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is up to you, but buy higher limits if possible.

More quotes. Lower rates.

As you quote car insurance, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where someone dropped comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. The goal is to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

We covered a lot of techniques to shop for 1998 Mercury Mountaineer insurance online. The key concept to understand is the more providers you compare, the higher your chance of finding inexpensive car insurance. You may even find the best price on auto insurance is with the smaller companies. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

Some auto insurance companies do not provide online price quotes and these small, regional companies only sell through independent agents. Budget-friendly auto insurance can be bought on the web and also from your neighborhood agents, and you should compare rates from both to get a complete price analysis.

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