2003 Mercury Mountaineer Car Insurance Quotes – 10 Tips to Save

Finding cheaper insurance for a Mercury Mountaineer can turn out to be difficult, but you can use the following methods and make it easy.

There is a better way to find insurance online and we’ll show you the quickest way to quote coverages on a Mercury and obtain the best price possible from local insurance agents and online providers.

Locating more affordable coverage is easy if you know what you’re doing. If you have a policy now or are just looking to switch companies, you can use these techniques to find better prices while maximizing coverage. Consumers only need to know the most effective way to shop their coverage around online.

Compare insurance coverage rate quotes

Finding cheap insurance coverage rates is not a difficult process. You just need to spend a little time to compare rate quotes online with multiple companies. It’s super easy and can be done by following the guidelines below.

  1. One of the best ways consumers can analyze rates is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating repetitive form entry for each company you want a rate for. In just a few minutes this one form gets you coverage quotes from several companies. It’s definitely the quickest method.
  2. A more difficult way to find better pricing is to manually visit the website for each individual company to complete their respective quote request forms. For examples sake, let’s assume you want rates from State Farm, 21st Century and American Family. To get each rate you have to spend time on each company’s site and enter your information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

Whichever method you choose, double check that you are using identical deductibles and coverage limits with every price quote. If you use different limits and deductibles on each one it’s impossible to get a fair rate comparison.

Get lower rates by earning these ten discounts

Companies don’t always publicize their entire list of discounts very well, so here is a list both the well known as well as the least known credits available to bring down your rates. If you do not check that you are getting every discount possible, you may be paying too high a price.

  • Federal Employees – Federal government employees could cut as much as 10% off on Mountaineer coverage depending on your company.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and qualify for as much as a 10% discount.
  • Safety Course Discount – Completing a class that teaches defensive driver techniques could cut 5% off your bill and make you a better driver.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on Mountaineer coverage compared to rates paid by drivers with frequent claims.
  • Anti-lock Brake Discount – Cars with ABS and/or traction control prevent accidents and will save you 10% or more.
  • 55 and Retired – Drivers that qualify as senior citizens may qualify for a discount up to 10% on Mountaineer coverage.
  • Air Bags and Passive Restraints – Options like air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to fasten their seat belts could cut 10% or more on medical payment and PIP coverage.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% because new model year vehicles keep occupants safer.

As a footnote on discounts, most credits do not apply to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. Even though it appears adding up those discounts means a free policy, it doesn’t quite work that way.

The best insurance coverage companies and their possible discounts are shown below.

  • Progressive discounts include homeowner, continuous coverage, online quote discount, multi-policy, and multi-vehicle.
  • MetLife may offer discounts for good driver, defensive driver, claim-free, multi-policy, and accident-free.
  • Mercury Insurance may include discounts for ease of repair, good student, good driver, low natural disaster claims, and age of vehicle.
  • Nationwide includes discounts for easy pay, Farm Bureau membership, defensive driving, multi-policy, family plan, and good student.
  • GEICO has savings for anti-lock brakes, air bags, federal employee, multi-vehicle, multi-policy, good student, and anti-theft.
  • AAA may have discounts that include pay-in-full, good driver, good student, AAA membership discount, and education and occupation.

If you are trying to find affordable insurance quotes, ask every insurance company to give you their best rates. A few discounts may not be available everywhere. To see insurance companies offering insurance coverage discounts, click here to view.

Your auto insurance coverage should be tailored to you

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Each situation is unique.

For instance, these questions might point out if you might need an agent’s assistance.

  • Am I covered when pulling a rental trailer?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does insurance cover tools stolen from my truck?
  • Is my state a no-fault state?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered if I hit a deer?
  • What is the rate difference between pleasure use and commuting?
  • What exactly is covered by my policy?
  • Should I get collision insurance on every vehicle?
  • Why is insurance for a teen driver so high?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Parts of your insurance policy

Understanding the coverages of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Liability coverages

This coverage will cover damage or injury you incur to a person or their property in an accident. 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. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like medical services, structural damage, pain and suffering, loss of income and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, vandalism, damage from a tornado or hurricane and a broken windshield. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

Collision coverage covers damage to your Mountaineer caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with another moving vehicle, backing into a parked car, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your 2003 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. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills for surgery, doctor visits and X-ray expenses. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and will also cover 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

Never pay more for less

Consumers switch companies for any number of reasons including delays in paying claims, policy non-renewal, extreme rates for teen drivers or denial of a claim. It doesn’t matter why you want to switch finding a new insurance company is easier than you think.

Affordable 2003 Mercury Mountaineer insurance can be bought from both online companies as well as from independent agents, so you need to quote insurance with both to have the best selection. There are still a few companies who do not provide the ability to get a quote online and these small, regional companies only sell through independent agencies.

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, someone dropped comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. Your objective should be to purchase plenty of coverage at the best cost.

To learn more, link through to the resources below: