1997 Mercury Mountaineer Insurance Rates – 7 Tricks for Best Quotes

Having to pay for overpriced auto insurance can dwindle your savings account, especially in this economy. Comparing price quotes is free and is an excellent way to lower your monthly bill. You have so many auto insurance companies to choose from, and even though it’s nice to have multiple companies, it can be more difficult to find the best rates for your vehicles.

Buying car insurance is not that difficult. If you have car insurance now, you should be able to lower your premiums substantially using this information. Vehicle owners just need to understand the most effective way to shop over the internet.

How to Get Car Insurance Comparison Quotes

There are multiple methods to shop for 1997 Mercury Mountaineer car insurance, but one way is less time-consuming than others. You could waste time discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Most of the best insurance companies participate in an industry program where prospective buyers send in one quote, and each participating company can give them a price. This prevents consumers from doing quote forms for every car insurance company.

To use this form to compare 1997 Mercury Mountaineer insurance rates click here (opens in new window).

The only drawback to using this type of system is buyers cannot specifically choose which providers you will receive quotes from. So if you prefer to pick from a list of companies for rate comparison, we have a listing of car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use exactly the same coverage information with every price quote. If each company quotes different values for each quote it will be next to impossible to decipher which rate is best.

Do drivers who switch really save?

Drivers can’t ignore all the ads for cheaper car insurance from companies such as Allstate and Progressive. All the ads have a common claim that you can save if you switch your policy.

How does each company say the same thing? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of customer they prefer to insure. An example of a desirable insured might be between the ages of 40 and 55, has no tickets, and drives newer vehicles. Any new insured who meets those qualifications receives the best rates and therefore will save quite a bit of money when switching.

Potential customers who don’t qualify for the requirements will be quoted a more expensive rate which usually ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” but not “drivers who get quotes” save that much. This is how insurance companies can make the claims of big savings. This emphasizes why you should compare as many rates as you can. Because you never know which insurance companies will fit your personal profile best.

How to save on Mercury Mountaineer insurance

Companies that sell car insurance don’t always list all available discounts very well, so we researched both the well known and the more hidden savings tricks you should be using. If you don’t get every credit you deserve, you are throwing money away.

  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Mountaineer insurance than drivers with accident claims.
  • Defensive Driver – Completing a course in driver safety could save 5% or more depending on where you live.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Senior Discount – Mature drivers may be able to get a small decrease in premiums for Mountaineer insurance.
  • Low Mileage Discounts – Keeping the miles down on your Mercury can qualify you for lower rates on the low mileage vehicles.
  • Organization Discounts – Belonging to a qualifying organization could qualify you for a break on auto insurance for Mountaineer insurance.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, it doesn’t quite work that way.

Companies that may offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask each insurance company how you can save money. Savings may not apply in your state.

Tailor your coverage to you

When choosing adequate coverage, there is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions might point out whether you would benefit from an agent’s advice.

  • How can I get my company to pay me more for my totalled car?
  • Are rock chip repairs covered?
  • What is no-fault insurance?
  • Exactly who is provided coverage by my policy?
  • Does my personal policy cover me when driving out-of-state?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is a fancy paint job covered?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage information

Learning about specific coverages of a car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages offered by car insurance companies.

Auto liability insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as funeral expenses, loss of income, medical services, structural damage and emergency aid. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Mercury Mountaineer.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hail damage, a broken windshield and hitting a bird. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses like EMT expenses, doctor visits and prosthetic devices. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Auto collision coverage

Collision coverage will pay to fix damage to your Mountaineer from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a building, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

A little work can save a LOT of money

Cheaper 1997 Mercury Mountaineer insurance can be purchased online in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and these small insurance companies work with independent agents.

As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

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