Cheaper 1998 Mercury Mountaineer Insurance Quotes

Buying low-cost insurance coverage online can be intimidating for people who are new to comparing rates online. Since there are so many companies competing online, how can consumers effectively compare every company to locate the best available rates?

It’s a good idea to take a look at other company’s rates occasionally because prices change frequently. If you had the best deal for Mountaineer insurance a couple years back a different company probably has better rates today. So forget anything you know (or think you know) about insurance coverage because you’re about to learn the best methods to find lower rates on insurance coverage.

This article will help you learn how to effectively get price quotes and some tricks to saving. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these methods. Nevertheless, vehicle owners can benefit from knowing how companies price online insurance.

Cheap Auto Insurance Comparisons

There are a variety of methods to compare 1998 Mercury Mountaineer auto insurance quotes, and some are more efficient than others. You can waste a few hours (or days) driving to insurance agencies in your area, or you can utilize the web to get prices fast.

All the larger companies belong to a marketplace that allows shoppers to enter their policy data once, and at least one company returns a rated price determined by their information. This system prevents you from having to do repetitive form submissions to every company.

To compare pricing click to open in new window.

The only downside to comparing rates this way is you can’t choose which providers you will receive quotes from. If you would rather choose specific insurance companies to request quotes from, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

However you get your quotes, ensure you’re using apples-to-apples coverage limits and deductibles with each company. If you have different values for each quote it will be next to impossible to decipher which rate is best. Having just a slight variation in coverage limits may cause a big price difference. It’s important to know that comparing a large number of companies helps you find better pricing.

Don’t believe everything you hear

Auto insurance providers like Geico, State Farm and Progressive constantly bombard you with ads on television and other media. They all make the same claim about savings if you switch to them. How does each company make almost identical claims? This is how they do it.

All the different companies have a preferred profile for the type of driver that is profitable for them. For instance, a driver they prefer could possibly be between 25 and 40, has no driving citations, and has excellent credit. Any new insured who meets those qualifications will get very good rates and most likely will save a lot of money.

Potential insureds who are not a match for this ideal profile must pay a higher premium which leads to the driver buying from a lower-cost company. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much. That’s why insurance companies can make those claims.

This illustrates why drivers should compare as many rates as you can. It’s just too difficult to predict which insurance companies will provide you with the cheapest Mercury Mountaineer insurance rates.

Get lower rates on Mercury Mountaineer insurance

Car insurance can cost a lot, buy you may qualify for discounts to help bring down the price. Some discounts apply automatically at the time of quoting, but lesser-known reductions have to be requested specifically before you will receive the discount.

  • Passive Restraints – Vehicles with factory air bags can get savings of 20% or more.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company can get a discount on all vehicles.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • E-sign – A few companies may give you up to $50 for buying a policy and signing up online.
  • Memberships – Affiliation with a civic or occupational organization could qualify you for a break on insurance for Mountaineer insurance.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will bring down your premiums.

For a list of companies with the best insurance discounts, click here.

Tailor your coverage to you

When buying coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique.

These are some specific questions might point out whether your personal situation might need an agent’s assistance.

  • Is my state a no-fault state?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered when driving a rental car?
  • Am I insured when driving a different vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does coverage extend to Mexico or Canada?
  • What if I owe more than I can insure my car for?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When can I cancel my policy?

If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form.

Insurance policy coverages for a 1998 Mercury Mountaineer

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses for things like rehabilitation expenses, EMT expenses, doctor visits and funeral costs. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like rock chips in glass, damage from flooding, theft and damage from getting keyed. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

This will pay to fix damage to your Mountaineer from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as driving through your garage door, damaging your car on a curb, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 1998 Mercury Mountaineer.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Liability car insurance

This coverage protects you from damage that occurs to other people or property in an accident. It protects YOU from claims by other people, and doesn’t cover 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. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like medical expenses, emergency aid and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Save your cold hard cash

Cheaper 1998 Mercury Mountaineer insurance can be sourced both online as well as from independent agents, and you should be comparing both to have the best selection. Some insurance companies don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, don’t be tempted to reduce coverage to reduce premium. There have been many cases where drivers have reduced liability coverage limits and found out when filing a claim that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Consumers who switch companies do it for many reasons like extreme rates for teen drivers, lack of trust in their agent, unfair underwriting practices or delays in paying claims. It doesn’t matter why you want to switch switching car insurance companies is less work than it seems.

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