Cheaper 2010 Mercury Mountaineer Car Insurance Cost

Tired of robbing Peter to pay Paul to insure your Mercury every month? You’re in the same situation as most other consumers. Since consumers have many different company options, it can be impossible to pick a more affordable company.

Cheaper insurance rates with discounts

Companies that sell car insurance don’t always list the complete list of policy discounts very well, so here is a list both the well known in addition to some of the lesser obvious credits that you can use to lower your rates. If you do not check that you are getting every discount possible, you could be paying more than you need to.

  • Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • Senior Citizen Rates – If you’re over the age of 55, you can get a small decrease in premiums for Mountaineer coverage.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Mercury could be rewarded with slightly better insurancerates than normal.
  • Homeowners Savings – Just being a homeowner can save a few bucks because maintaining a house means you have a higher level of financial diligence.
  • Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Early Signing – Select insurance companies give a discount for buying a policy prior to the expiration date on your current policy. It’s a savings of about 10%.

Discounts lower rates, but many deductions do not apply to your bottom line cost. The majority will only reduce individual premiums such as medical payments or collision. Despite the fact that it seems like you can get free auto insurance, you aren’t that lucky.

The best insurance companies and some of the discounts include:

  • State Farm may include discounts for anti-theft, accident-free, multiple autos, good student, Steer Clear safe driver discount, and Drive Safe & Save.
  • Farmers Insurance policyholders can earn discounts including distant student, pay in full, homeowner, electronic funds transfer, and switch companies.
  • Progressive offers discounts including online signing, multi-policy, good student, homeowner, and online quote discount.
  • GEICO includes discounts for emergency military deployment, daytime running lights, multi-policy, multi-vehicle, and good student.
  • Auto-Owners Insurance offers premium reductions for anti-theft, company car, mature driver, anti-lock brakes, and multiple vehicles.
  • The Hartford offers discounts for bundle, anti-theft, defensive driver, air bag, vehicle fuel type, and driver training.
  • Farm Bureau discounts include multi-vehicle, driver training, multi-policy, 55 and retired, and youthful driver.
  • USAA may have discounts that include driver training, multi-vehicle, new vehicle, loyalty savings, and safe driver.

When getting free insurance quotes, it’s a good idea to each company or agent which discounts you may be entitled to. All car insurance discounts may not apply to policies in your area. To find providers who offer free insurance quotes, click this link.

The quickest method we recommend to compare car insurance company rates is to know most of the larger companies will pay a fee to provide you with a free rate quote. The only thing you need to do is spend a couple of minutes providing details such as whether the vehicles are used for commuting, if a SR-22 is needed, level of coverage desired, and your credit rating estimate. That rating information is automatically sent to all major companies and they respond with quotes immediately.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage, there really is not a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if you will benefit from professional help.

  • Can I afford to buy a different vehicle if my 2010 Mercury Mountaineer is totaled?
  • I don’t drive much so do I pay less?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if I hit my neighbor’s mailbox?
  • Why am I required to get a high-risk car insurance policy?
  • Does my insurance cover my expensive audio equipment?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages 101

Learning about specific coverages of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most car insurance policies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as rehabilitation expenses, ambulance fees, dental work, pain medications and hospital visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Mercury Mountaineer.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, damage from flooding, damage from getting keyed and hitting a deer. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance covers damage to your Mountaineer resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to bring the cost down.

Liability coverage

This provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover 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 values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for things like repair bills for other people’s vehicles, medical services, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Do the work, save more money

We just showed you many ways to reduce 2010 Mercury Mountaineer insurance car insurance rates online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers may even find the best car insurance rates are with some of the smallest insurance companies. They may only write in your state and offer lower premium rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

Some insurance providers may not provide online price quotes and many times these smaller providers prefer to sell through independent agents. Cheaper insurance coverage can be purchased online and with local insurance agents, so you need to compare both to have the best chance of lowering rates.

Additional insurance coverage information can be read on the following sites: