View 2008 Mercury Mountaineer Car Insurance Rates

Looking for cheaper auto insurance rates for your Mercury Mountaineer? Nobody that owns a car is fond of buying auto insurance, especially when the cost is too high. Online insurance companies like Progressive, GEICO and Farmers Insurance all claim big savings with catchy ads and it can be hard to ignore the flying pigs and cute green geckos and find the best price available.

If you have a policy now or need a new policy, you can learn to find better prices and still get good coverage. Finding affordable coverage is not that difficult. Consumers just need to understand the most effective way to compare company rates online.

How to get insurance quotes

Finding low cost 2008 Mercury Mountaineer insurance rates is actually easier than you may think. The only thing you need to do is invest a few minutes comparing price quotes from online providers. This is very easy and can be done using a couple different methods.

  1. The easiest and least time consuming way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do separate quotation requests for every prospective company. A single form gets rate comparisons instantly.
  2. A harder way to get quotes online is to manually visit each company’s website and request a quote. For example, let’s say you want rates from Progressive, Allstate and American Family. In order to get each rate, you would have to spend time on each company’s site to input your insurance information, which can get rather old. For a list of links to insurance companies in your area, click here.
  3. If you have time to kill, the last method to compare rates to different agent offices. The ability to get quotes online eliminates the need for an insurance agent unless you’re the type of person who wants the advice and guidance only provided by licensed agents. It is possible with some companies find lower rates online and have a local agent actually service the policy.

It doesn’t matter which method you choose, just double check that you are using apples-to-apples coverage limits and deductibles for every quote you compare. If you are comparing differing limits it will be impossible to truly determine the lowest rate.

Take policy discounts and save

Car insurance is not inexpensive, but you may qualify for discounts that can help lower your rates. Certain reductions will be credited when you complete an application, but once in a while a discount must be manually applied before you get the savings. If you aren’t receiving every discount you qualify for, you could be getting lower rates.

  • Government Employees – Being employed by or retired from a federal job may qualify for a discount when you quote car insurance for Mountaineer coverage depending on your company.
  • Save with More Vehicles Insured – Buying insurance for multiple cars or trucks on the same car insurance policy qualifies for this discount.
  • Life Insurance Discount – Larger insurance companies have a lower rate if you buy auto and life insurance together.
  • Theft Prevention Discount – Cars and trucks that have factory anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Early Payment Discounts – If paying your policy premium upfront rather than paying monthly you may have a lower total premium amount.
  • Early Switch Discount – Select larger companies give a discount for signing up prior to your current policy expiring. You can save around 10% with this discount.
  • Distant Student – Kids who are attending college and do not take a car to college can receive lower rates.
  • Seat Belts Save – Requiring all passengers to fasten their seat belts could cut 10% or more on medical payment and PIP coverage.
  • Paperwork-free – A few larger online companies will discount your bill up to fifty bucks for buying your policy online.
  • Passenger Safety Discount – Cars that have air bags may get savings of more than 20%.

Discounts reduce rates, but you should keep in mind that most credits do not apply to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way. But any discount will cut your policy premium.

To choose companies that can offer you the previously mentioned discounts, follow this link.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether or not you will benefit from professional help.

  • At what point should I drop full coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my ex-spouse still covered by my policy?
  • How much underlying liability do I need for an umbrella policy?
  • I don’t drive much so do I pay less?
  • Does my insurance cover my expensive audio equipment?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Smart consumers can cut insurance costs

Lots of factors are used when pricing auto insurance. Some are pretty understandable like your driving record, but other criteria are more obscure like where you live or how financially stable you are.

The factors shown below are a few of the “ingredients” used by your company to calculate rates.

  • High stress employer may mean higher insurance coverage rates – Did you know your career choice can influence rates? Careers such as judgesairline pilots and medical professionals tend to have the highest average rates attributed to intense work requirements and long work hours. On the flip side, occupations such as professors, historians and performers have the lowest average rates for Mountaineer coverage.
  • Tickets and citations cost more than a fine – Good drivers pay less for auto insurance as compared to careless drivers. Getting just one speeding ticket can increase rates by twenty percent. Drivers who have gotten flagrant violations such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to legally drive a vehicle.
  • Insurance is expensive for teenage drivers – More mature drivers are proven to be safer behind the wheel, cost insurance companies less in claims and are safer drivers.Inexperience drivers have a tendency to get distracted easily when driving with friends so insurance coverage rates are higher.
  • Do you know you’re credit score? – Your credit rating can be an important factor in determining premium rates. So if your credit score can be improved, you may save money insuring your 2008 Mercury Mountaineer by improving your rating. Insureds that have excellent credit tend to be better risks to insure as compared to drivers with lower ratings.
  • Gender impacts premiums – Over the last 30 years, statistics show that females take fewer risks when driving. This data doesn’t prove that females are better at driving than males. They both are responsible for auto accidents at about the same rate, but the male of the species get into accidents with more damage. In addition to higher claims, males also get cited for more serious violations like DUI and reckless driving.
  • Policy add-ons may be wasting money – Insurance policies have a lot of add-on coverages you can purchase on your insurance coverage policy. Insurance for personal injury protection, accident forgiveness, and extra equipment coverage may not be needed and are just wasting money. They may seem like a good idea when talking to your agent, but if you don’t need them remove them and pocket the money.
  • Lower rates by increasing deductibles – Comprehensive and collision coverage deductibles tell how much the insured will be required to pay if you file a covered claim. Protection for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some coverage claims could be collision with another vehicle, fire damage, and damage from wind. The more of the claim you have to pay, the lower your rates will be for Mountaineer coverage.

Can you really save $407 a year?

Consumers can’t get away from all the ads for the lowest price insurance coverage from the likes of State Farm, Allstate and GEICO. They all convey the message that you can save if you move your insurance coverage coverage to their company.

How do they all give you a better price? Here is the trick they use.

Different companies have a certain “appetite” for the right customer that will add to their bottom line. A good example of a preferred risk may need to be over age 30, has other policies, and drives a safe vehicle. Anybody that hits that “sweet spot” will qualify for the lowest car insurance rates and therefore will pay quite a bit less when switching companies.

Potential insureds who fall outside those standards must pay higher prices and this can result in business not being written. The ad wording is “drivers that switch” not “everyone that quotes” save that much when switching. This is how companies can advertise the savings.

This really emphasizes why drivers should compare as many free car insurance quotes as you can. You cannot predict which insurance coverage company will fit you best based on your risk profile.

Coverage specifics

Knowing the specifics of your policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by insurance companies.

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a parking meter, sustaining damage from a pot hole, sideswiping another vehicle, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage pay for expenses for things like dental work, pain medications, doctor visits and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Liability coverages

This coverage provides protection from damage that occurs to other’s property or people. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as medical expenses, attorney fees, legal defense fees and structural damage. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hail damage, falling objects, theft, a broken windshield and damage from getting keyed. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Take this to the bank

Cheaper 2008 Mercury Mountaineer insurance can be purchased online and from local agencies, so you need to quote car insurance with both to get a complete price analysis. Some insurance companies may not have online quoting and these smaller companies only sell coverage through independent agents.

When getting car insurance quotes online, do not buy poor coverage just to save money. Too many times, an insured cut liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at the best possible price, but do not skimp to save money.

We just presented some good ideas how you can reduce 2008 Mercury Mountaineer insurance auto insurance rates online. The key thing to remember is the more rate comparisons you have, the better likelihood of getting cheaper car insurance. Consumers could even find that the lowest auto insurance rates come from a small local company. These companies often have lower premium rates on specific markets compared to the large companies like State Farm, GEICO and Nationwide.

Much more information about car insurance can be read on the following sites: