Cheaper 2007 Mercury Mountaineer Insurance Rates

Nobody I know looks forward to paying for insurance, especially when the cost is way too high. Because there are so many insurance providers from which to choose, it can be impossible to choose the most cost effective car insurance company.

It’s smart to shop coverage around on a regular basis since rates are rarely the same from one policy term to another. Even if you got the best deal on Mountaineer insurance two years ago you can probably find a lower rate today. You can find a lot of misleading information regarding insurance online, so by reading this article, you’re going to learn some tested techniques to buy insurance cheaper.

The quickest method we recommend to compare car insurance rates is to understand auto insurance companies participate in a system to compare their rates. All you need to do is provide a little information like the ages of drivers, the year, make and model of vehicles, if your license is active, and whether you are married. Your details is instantly provided to multiple insurance coverage providers and they return quotes almost instantly.

Do you qualify for discounts?

Car insurance can cost a lot, buy you may qualify for discounts that you may not know about. Certain discounts will be applied at the time of purchase, but some may not be applied and must be manually applied in order for you to get them. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Paperless Signup – A handful of insurance companies will give a small break for buying your policy over the internet.
  • Safety Course Discount – Successfully completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for reduced rates on Mountaineer insurance.
  • Claim Free – Drivers who don’t have accidents pay less when compared with bad drivers.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will cut the cost of coverage.

To see a list of companies with discount insurance coverage rates, click here.

Mercury Mountaineer rate determination is complex

An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with lower insurance prices.

The list below includes a partial list of the pieces used by your company to calculate rates.

  • Don’t cancel a policy without a new one in place – Driving your car without having proper coverage is a misdemeanor and as a result your rates will increase for letting your insurance lapse. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a license revocation or jail time.
  • Multiple policies with one company can save – Most companies will give a discount to insureds who carry more than one policy. It’s known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even with this discount, you still need to compare other company rates to verify if the discount is saving money.
  • Careful drivers pay lower rates – Good drivers receive lower rates than bad drivers. Only having one ticket can increase rates twenty percent or more. Drivers who have serious citations like DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
  • Frequent insurance claims increase rates – If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Companies award cheaper rates to policyholders who do not file claims often. Auto insurance is intended for the large, substantial claims.
  • Marriage pays dividends – Having a wife or husband actually saves money when buying insurance. Marriage translates into being more mature and responsible and it’s proven that married drivers get in fewer accidents.

Don’t assume everyone needs the same coverage

When it comes to buying adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions can help discover whether your personal situation might need an agent’s assistance.

  • Should I rate my 2007 Mercury Mountaineer as pleasure use or commute?
  • Am I covered if I wreck a rental car?
  • What discounts do I qualify for?
  • I don’t drive much so do I pay less?
  • Can I afford to pay high deductible claims out of pocket?
  • Can I afford to buy a different vehicle if my 2007 Mercury Mountaineer is totaled?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage basics

Knowing the specifics of your insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages available from insurance companies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Mercury Mountaineer.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Collision insurance

Collision coverage pays for damage to your Mountaineer resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like damaging your car on a curb, colliding with a tree, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

Liability insurance can cover damages or injuries you inflict on a person or their property. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as medical services, attorney fees, repair costs for stationary objects, structural damage and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, theft and hitting a bird. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Med pay and PIP coverage pay for expenses for things like rehabilitation expenses, nursing services, EMT expenses and prosthetic devices. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Save your hard earned cash

We just covered a lot of tips how to get a better price on 2007 Mercury Mountaineer insurance. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even find the lowest premiums are with a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

Lower-priced insurance can be sourced online and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some insurance providers may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

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