2009 Mercury Mountaineer Insurance Rates

Finding better insurance prices for a new or used Mercury Mountaineer can be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to compare car insurance rates and we’ll show you the quickest way to get price quotes for a new or used Mercury and locate the cheapest rates from both online companies and local agents.

Smart consumers take time to compare prices quite often due to the fact that insurance rates change quite often. Just because you found the lowest rates for Mountaineer coverage a few years ago a different company probably has better rates today. There is a lot of bad advice regarding car insurance online but I’m going to show you some great ideas on how to reduce your car insurance bill.

Shopping for affordable car insurance coverage is not that difficult. If you have insurance now or need new coverage, you can use these tips to find the best rates while maximizing coverage. Drivers only need to know the most efficient way to compare company rates online.

Don’t miss out on these money-saving discounts

Insurance can cost an arm and a leg, but there could be available discounts to help bring down the price. Certain discounts will be triggered automatically at quote time, but less common discounts must be specifically requested prior to receiving the credit. If you aren’t receiving every discount possible, you are throwing money away.

  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Discount for Life Insurance – Larger companies have a break if you buy a life insurance policy as well.
  • Multiple Policy Discount – When you have multiple policies with the same company you may save approximately 10% to 15%.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will reduce the amount you have to pay.

A partial list of companies that may offer these benefits are:

Before buying, ask every prospective company which discounts you may be entitled to. Savings might not apply everywhere.

These factors can influence what you pay for Mercury Mountaineer insurance

It’s important that you understand the factors that come into play when calculating the price you pay for insurance. When you know what positively or negatively determines base rates helps enable you to make changes that may reward you with better insurance rates.

  • Your car’s features help determine rates – Owning a car with a theft deterrent system can save you a little every year. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
  • Drive a safer car and pay less – Vehicles with good safety scores can get you lower premiums. The safest vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Mercury Mountaineer earned at least four stars on Safercar.gov you are probably receiving a discount.
  • Marriage brings a discount – Having a wife or husband helps lower the price when buying insurance. Having a spouse means you’re more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • Rate your vehicle for proper use – The more you drive each year the more you’ll pay to insure your vehicle. Most companies rate vehicles based on their usage. Vehicles left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your insurance policy shows the correct driver usage, because it can save money. Incorrect usage on your Mountaineer can result in significantly higher rates.
  • Better credit means lower rates – A driver’s credit history is a large factor in determining what you pay for insurance. So if your credit rating is not that good, you could be paying less to insure your 2009 Mercury Mountaineer by repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.

Do I need special coverages?

When choosing adequate coverage for your vehicles, there is no “best” method to buy coverage. Every situation is different.

These are some specific questions might help in determining if you might need professional guidance.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What discounts do I qualify for?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Does my car insurance cover rental cars?
  • What is covered by UM/UIM coverage?
  • Why does it cost so much to insure a teen driver?
  • How do I insure my teen driver?
  • Can I afford low physical damage deductibles?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Insurance coverage breakdown

Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Auto liability – This coverage provides protection from damage or injury you incur to other people or property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like legal defense fees, repair bills for other people’s vehicles, medical services and court costs. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Mercury Mountaineer.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for medical payments – Med pay and PIP coverage kick in for immediate expenses for X-ray expenses, dental work and pain medications. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Comprehensive coverages – This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, hitting a deer and vandalism. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision – This 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 can pay for things like colliding with a tree, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Save your cold hard cash

Budget-conscious 2009 Mercury Mountaineer insurance is possible both online in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some companies do not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

When you buy insurance online, don’t be tempted to skimp on coverage in order to save money. There have been many situations where someone dropped collision coverage to discover at claim time that it was a big mistake. Your strategy should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Drivers change insurance companies for a number of reasons such as delays in responding to claim requests, denial of a claim, questionable increases in premium and even poor customer service. Regardless of your reason for switching companies, switching companies is less work than it seems.

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