Cheaper 2000 Mercury Mountaineer Insurance Quotes

Want cheaper insurance coverage rates for your Mercury Mountaineer? Vehicle owners not familiar with comparing car insurance quotes on the internet may discover buying affordable car insurance can be quite difficult.

Choices you make can impact your insurance premiums

Smart consumers have a good feel for some of the elements that help calculate your premiums. If you have a feel for what determines base rates, this enables informed choices that will entitle you to better car insurance rates.

  • Having a spouse is a bonus – Having a significant other may earn you lower rates on car insurance. It translates into being more mature and responsible and insurance companies like that drivers who are married are more cautious.
  • Where you reside factors in – Choosing to live in less populated areas of the country has it’s advantages when insuring your vehicles. Urban drivers have to deal with more aggressive driving styles and much longer commute distances. Less people living in that area means less chance of accidents in addition to lower liability claims
  • Know your credit rating – A driver’s credit history is a large factor in determining what you pay for car insurance. If your credit history is not that good, you could be paying less to insure your 2000 Mercury Mountaineer by taking the time to improve your credit score. People with excellent credit tend to file fewer claims than drivers who have lower credit ratings.
  • Pay more by driving carelessly – Having a clean driving record influences premium rates substantially. Even one driving citation may increase your cost by as much as thirty percent. Attentive drivers pay less for auto insurance than their less careful counterparts. Drivers who have received serious violations like DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to legally drive.
  • Pay more of a claim out-of-pocket – The deductibles represent how much money you are required to spend out-of-pocket if a covered claim is submitted. Physical damage protection, termed comprehensive and collision coverage on your policy, protects your car from damage. Some coverage claims could be a windshield broken by a bird, vandalism, and damage from wind. The more money you choose to pay out-of-pocket, the lower your rates will be on Mountaineer insurance.
  • Premiums also based on gender – Statistics demonstrate females are less aggressive when driving. Now that doesn’t mean females are better at driving than males. Women and men tend to get into accidents in similar percentages, but the males tend to have more serious accidents. Not only are claims higher, but men receive more costly citations like driving under the influence (DUI). Young males are most likely to cause an accident and are penalized with high car insurance rates.
  • Too many claims will drive rates up – If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Auto insurance companies give discounts to people who only file infrequent claims. Your insurance policy is intended for claims that pose a financial burden.

Ways to get auto insurance quotes

There are a lot of ways to compare auto insurance quotes, and some are less labor-intensive and much quicker. You can spend countless hours discussing policy coverages with agents in your area, or you could use the web to get the quickest rates.

Many of the larger companies participate in an industry program that enables customers to send in one quote, and each company returns a rated price based on that data. This system prevents you from having to do quote forms to each company.

To use this form to compare rates click here to open in new window.

The single downside to using this type of system is you cannot specify the companies to receive prices from. If you wish to select individual companies to receive pricing from, we have a page of auto insurance companies in your area. Click to view list.

The method you choose is up to you, but make darn sure you compare exactly the same coverage limits and deductibles for every quote you compare. If you are comparing different coverage information it will be nearly impossible to determine which rate is truly the best. Just slight variations in coverages may result in a large different in cost. Just remember that comparing more rates from different companies gives you a better chance of getting a lower rate than you’re paying now. Some insurance companies are not set up to provide price estimates online, so it’s important to also get rates on coverage from those companies, too.

Get lower-cost insurance with discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you quote, but some need to be asked for in order for you to get them. If you aren’t receiving every discount you qualify for, you may be paying too high a price.

  • Online Discount – A few larger online companies will give a small break for signing up on the web.
  • Seat Belt Discounts – Requiring all passengers to buckle up before driving can save a little off the personal injury premium cost.
  • Multi-line Discount – Select companies reward you with a break if you buy a life policy as well.
  • Discount for Multiple Policies – When you have multiple policies with the same company you may earn as much as 10 to 15 percent.
  • Discount for Swiching Early – Select insurance companies give a discount for switching to them before your current expiration date. It can save you around 10%.
  • Discounts for Responsible Drivers – Drivers who don’t get into accidents can save up to 40% or more on their car insurance quote on Mountaineer insurance than drivers with accident claims.
  • Payment Discounts – If you can afford to pay the entire bill instead of making monthly payments you could save up to 5%.

As a sidenote, some credits don’t apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will reduce the cost of coverage.

Larger insurance companies and a summarized list of policyholder discounts can be read below.

  • Farm Bureau may have discounts that include 55 and retired, multi-vehicle, good student, driver training, multi-policy, safe driver, and renewal discount.
  • MetLife has discounts for claim-free, accident-free, multi-policy, good student, good driver, defensive driver
  • Progressive policyholders can earn discounts including good student, multi-vehicle, multi-policy, continuous coverage, homeowner, online quote discount, and online signing.
  • AAA discounts include good student, AAA membership discount, education and occupation, anti-theft, and multi-car.
  • American Family has savings for TimeAway discount, multi-vehicle, good driver, Steer into Savings, and bundled insurance.
  • GEICO offers discounts including military active duty, seat belt use, air bags, daytime running lights, multi-policy, and federal employee.
  • State Farm may offer discounts for Drive Safe & Save, defensive driving training, safe vehicle, multiple policy, and student away at school.

When getting free car insurance quotes, it’s a good idea to each insurance company the best way to save money. Savings may not apply to policyholders in your area. To locate insurance companies that offer many of these discounts, click here to view.

Tailor your insurance coverage to you

When it comes to choosing coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.

  • Do I have coverage when making deliveries for my home business?
  • Does medical payments coverage apply to all occupants?
  • Is business equipment covered while in my vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • What is covered by UM/UIM coverage?
  • Should I rate my 2000 Mercury Mountaineer as pleasure use or commute?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form.

Auto insurance coverages 101

Learning about specific coverages of your auto insurance policy aids in choosing the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from a tornado or hurricane, rock chips in glass and damage from getting keyed. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Mercury Mountaineer.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverages – This coverage covers damage to your Mountaineer resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as backing into a parked car, sustaining damage from a pot hole, scraping a guard rail, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like surgery, nursing services, EMT expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Liability insurance – This provides protection from damage that occurs to other people or property. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as legal defense fees, bail bonds, court costs, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Be a penny pincher

We’ve covered a lot of techniques to reduce 2000 Mercury Mountaineer insurance auto insurance rates online. The key concept to understand is the more rate comparisons you have, the better likelihood of getting inexpensive car insurance. You may even find the lowest priced car insurance comes from an unexpected company.

Consumers who switch companies do it for any number of reasons including denial of a claim, being labeled a high risk driver, policy cancellation or policy non-renewal. Regardless of your reason, finding a new company is pretty simple and you could end up saving a buck or two.

Budget-friendly car insurance is available both online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who may not offer price quotes online and many times these regional insurance providers only sell through independent insurance agencies.

To read more, link through to the following helpful articles: