Compare 1998 Mercury Mountaineer Insurance Rates

Drivers have lots of choices when trying to find affordable Mercury Mountaineer insurance. You can either waste hours contacting agents to compare prices or save time using the internet to get rate quotes.

There is a right way and a wrong way to compare auto insurance rates and you need to know the quickest way to quote coverages for a Mercury and locate the cheapest rates.

Best discounts on Mercury Mountaineer coverage

Insuring your vehicles can cost a lot, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but some must be specially asked for prior to receiving the credit. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount on Mountaineer coverage with select insurance companies.
  • Homeowners Pay Less – Simply owning a home may trigger a car insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Multiple Cars – Having all your vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Accident Waiver – Some insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Early Signing – Some companies give discounts for signing up before your current policy expires. This can save 10% or more.
  • Organization Discounts – Belonging to certain professional organizations is a good way to get lower rates on car insurance on Mountaineer coverage.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.

It’s important to note that some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way. But any discount will reduce your premiums.

To see a list of providers offering car insurance discounts, click this link.

Low Cost Auto Insurance

Cutting your auto insurance rates is a fairly straight forward process. You just need to take a few minutes to compare rate quotes online from several insurance companies. This can be done using a couple different methods.

  • The single most time-saving way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This easy form keeps you from doing separate forms for each company you want a rate for. One simple form compares rates from many national carriers. Recommended for those who want to invest the least amount of time.
  • A less efficient way to get quotes online requires a trip to the website of each company to request a price quote. For example, we’ll assume you want rates from State Farm, Esurance and GEICO. To find out each rate you need to visit each site to input your insurance information, which is why the first method is quicker. To view a list of companies in your area, click here.
  • The least recommended way to compare rates is to spend time driving to local insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you require the professional guidance of a licensed agent. Drivers can comparison shop your insurance online but still have the advice of a local agent.

Whichever method you choose, ensure you’re using the exact same deductibles and coverage limits for every quote you compare. If you are comparing different deductibles you can’t possibly determine which rate is truly the best.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions might help in determining whether your personal situation may require specific advice.

  • Exactly who is provided coverage by my policy?
  • Is pleasure use cheaper than using my 1998 Mercury Mountaineer to commute?
  • I have health insurance so do I need medical payments coverage?
  • Why am I required to buy high-risk coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How much liability coverage do I need in my state?
  • Does my insurance cover my expensive audio equipment?
  • Should I buy full coverage?
  • Are rental cars covered under my policy?

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, complete this form. It’s fast, free and can help protect your family.

Car insurance coverages explained

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive coverage – This covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hitting a deer, hail damage and falling objects. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability insurance – This can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

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 liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like medical services, loss of income and legal defense fees. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Collision – This coverage covers damage to your Mountaineer resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like damaging your car on a curb, sideswiping another vehicle, hitting a parking meter, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as pain medications, hospital visits and dental work. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

The best insurance company isn’t always the cheapest

As you restructure your insurance plan, it’s very important that you do not buy less coverage just to save a little money. In many instances, an insured dropped liability coverage limits only to regret at claim time they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

We covered some good ideas how you can shop for 1998 Mercury Mountaineer insurance online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Consumers could even find that the lowest premiums are with a company that doesn’t do a lot of advertising.

Affordable insurance is attainable both online and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. Some companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

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