1999 Mercury Mountaineer Car Insurance Rates – 6 Tips for Cheaper Quotes

Trying to find cheaper insurance coverage rates? Buyers have many options when searching for affordable Mercury Mountaineer insurance. You can either spend your time calling around to get rate comparisons or utilize the internet to make rate comparisons. There are both good and bad ways to find insurance coverage online so we’re going to tell you the proper way to quote coverages for a new or used Mercury and obtain the lowest possible price either online or from local insurance agents.

Consumers should take time to take a look at other company’s rates quite often due to the fact that insurance prices are constantly changing. Even if you got the lowest quotes on Mountaineer coverage six months ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate how to use online quotes to find the best coverage while lowering your premiums.

If you have a policy now or need new coverage, you can learn to find the best rates while maintaining coverages. The purpose of this post is to instruct you on the most effective way to quote insurance. Consumers just need to understand the tricks to shop online.

The quickest method to get policy rate comparisons is to know the fact most larger insurance companies pay for the opportunity to give you rate quotes. The only thing you need to do is provide a small amount of information including if your license is active, your occupation, whether you drive to work or school, and whether you are single or married. Your information is automatically sent to many of the top insurers and you receive quotes with very little delay.

To check Mercury Mountaineer insurance prices now, click here and complete the form.

Find hidden discounts on insurance coverage

Some companies don’t always advertise all their discounts very clearly, so the list below gives a summary of some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online.

  • Early Renewal Discounts – Some larger companies give discounts for switching to them early. You could save around 10% when you buy auto insurance online.
  • Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions so you can save 10 percent or more.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in high school.
  • Distant Student Discount – Children who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Early Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you can avoid the installment charge.
  • Driver Safety – Participating in a safe driver course is a good idea and can lower rates and make you a better driver.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, companies don’t profit that way.

Companies and their possible discounts are detailed below.

  • The Hartford has savings for air bag, vehicle fuel type, good student, driver training, anti-theft, and bundle.
  • American Family offers discounts for defensive driver, accident-free, multi-vehicle, TimeAway discount, and good student.
  • Progressive offers discounts including multi-vehicle, multi-policy, online quote discount, homeowner, good student, continuous coverage, and online signing.
  • Travelers offers premium reductions for driver training, good student, continuous insurance, save driver, and new car.
  • Farmers Insurance includes discounts for mature driver, distant student, electronic funds transfer, early shopping, good student, and switch companies.
  • USAA may offer discounts for driver training, safe driver, family discount, annual mileage, military installation, loyalty savings, and defensive driver.
  • Liberty Mutual discounts include teen driver discount, preferred payment discount, newly married, good student, and multi-policy.

Before purchasing a policy, check with every prospective company which discounts you may be entitled to. Depending on the company, some discounts might not apply everywhere. To see companies with discount insurance coverage rates, follow this link.

Tailor your car insurance coverage to you

When choosing adequate coverage for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if you could use an agent’s help.

  • Exactly who is provided coverage by my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Is business property covered if stolen from my car?
  • Is my 1999 Mercury Mountaineer covered for smoke damage?
  • Why does it cost so much to insure a teen driver?
  • How high should my medical payments coverage be?
  • Can my teen drive my company car?
  • How much liability insurance is required?
  • How do I file an SR-22 for a DUI in my state?
  • Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Parts of your car insurance policy

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

This pays for 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.

Comprehensive can pay for things such as falling objects, damage from a tornado or hurricane, hitting a bird, hitting a deer and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills such as pain medications, prosthetic devices, nursing services, EMT expenses and funeral costs. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability

This can cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like funeral expenses, bail bonds and structural damage. How much coverage you buy is your choice, but buy higher limits if possible.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercury Mountaineer.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, sustaining damage from a pot hole, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.