2010 Mercury Mountaineer Insurance Cost – 5 Tricks for Cheaper Prices

Are you a victim of an underperforming, overpriced insurance policy? Trust us when we tell you you are not the only one feeling buyer’s remorse. Companies like GEICO and Progressive constantly blast consumers with fancy advertisements and it is difficult to see through the deception and do the work needed to find the best deal.

Comparison of Car Insurance

Lowering your 2010 Mercury Mountaineer car insurance rates isn’t really that difficult. You just have to spend a few minutes to compare quotes from different insurance companies. This can be accomplished in a couple of different ways.

  1. The easiest and least time consuming way to get quotes for comparison is a comparison rater form click to view form in new window. This type of form eliminates the need for boring form submissions to each individual car insurance company. Taking the time to complete one form will return quotes from car insurance companies with the best prices.
  2. A less efficient way to obtain and compare quotes online consists of visiting the website for each individual company to complete a price quote. For instance, let’s assume you want to compare GEICO, Allstate and GMAC. You would have to take the time to go to each site to enter your coverage information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
  3. The most time-consuming method to get comparison rates is to drive around to local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you require the professional advice only provided by licensed agents. It is possible to compare the best prices online and still use a local agent and we’ll touch on that later.

Whichever way you use, be sure to compare apples-to-apples coverage information on every quote you get. If you have unequal deductibles or liability limits you will not be able to decipher which rate is best.

Discounts on Mercury Mountaineer insurance

The cost of insuring your cars can be expensive, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be applied when you purchase, but less common discounts must be inquired about prior to receiving the credit. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Low Mileage – Fewer annual miles on your Mercury can qualify you for better rates on cars that stay parked.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The good student discount can last well after school through age 25.
  • Sign Online – Certain companies will give a small break just for signing your application online.
  • Life Insurance Discount – Larger companies have a break if you buy life insurance from them.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.

Keep in mind that most of the big mark downs will not be given the the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates you could get a free insurance policy, companies don’t profit that way. Any amount of discount will bring down the cost of coverage.

To see a list of providers with the best insurance discounts, follow this link.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions may help highlight if you would benefit from professional advice.

  • When can I cancel my policy?
  • Can my teen drive my company car?
  • What is the rate difference between pleasure use and commuting?
  • Does my 2010 Mercury Mountaineer need full coverage?
  • Can I rent a car in Mexico?
  • How can I find cheaper teen driver insurance?
  • Am I covered if I crash into my own garage door?
  • Am I covered if I hit a deer?
  • When would I need rental car insurance?
  • Do I benefit by insuring my home with the same company?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and can provide invaluable advice.

Educate yourself about auto insurance coverages

Learning about specific coverages of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages found on most auto insurance policies.

Auto collision coverage

This will pay to fix damage to your Mountaineer resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as rolling your car, damaging your car on a curb, sustaining damage from a pot hole, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Uninsured or underinsured coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2010 Mercury Mountaineer.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive protection

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as theft, falling objects and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability

Liability coverage protects you from damage that occurs to a person or their property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like repair costs for stationary objects, repair bills for other people’s vehicles, pain and suffering and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as chiropractic care, dental work, surgery, EMT expenses and hospital visits. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Power to the consumer

Cheaper 2010 Mercury Mountaineer insurance is attainable on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, make sure you don’t reduce needed coverages to save money. In too many instances, someone dropped collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at an affordable rate.

In this article, we presented many ways to compare insurance prices online. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers could even find that the biggest savings come from some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Progressive or GEICO.

More detailed insurance information can be found by following these links: