Lower Your 2000 Mercury Mountaineer Insurance Quotes

Having to pay for overpriced Mercury Mountaineer insurance can overdraw your savings account and make it hard to pay other bills. Comparing price quotes is free and is an excellent way to reduce premiums and put more money in your pocket.

You have so many insurers to pick from, and though it is a good thing to have multiple companies, so many choices can make it hard to compare rates and cut insurance costs.

Compare the Market for Auto Insurance

The are a couple different ways of comparing price quotes from different insurance companies. The quickest method to find the cheapest 2000 Mercury Mountaineer insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The easiest and least time consuming way consumers can analyze rates is a comparison rater form like this one (opens in new window). This easy form keeps you from doing separate quotation requests for every auto insurance company. A single, simple form gets you coverage quotes from multiple low-cost companies.
  2. A harder way to find lower rates requires visiting each individual company website to complete their respective quote request forms. For example, we’ll pretend you want rates from State Farm, Geico and Farmers. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

Whichever way you use, make darn sure you compare identical information for each price quote. If you compare different deductibles you will not be able to decipher which rate is best. Quoting even small variations in coverage limits may result in large price differences. And when quoting auto insurance, remember that getting more free quotes will enable you to find the best rates.

Are you getting all your discounts?

Companies that sell car insurance don’t always advertise all available discounts in an easy-to-find place, so the following is a list of some of the best known as well as the least known savings tricks you should be using.

  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Mountaineer insurance with select insurance companies.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Homeowners Savings – Owning a house may trigger a auto insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Low Mileage Discounts – Fewer annual miles on your Mercury can qualify you for better rates on cars that stay parked.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
  • Service Members Pay Less – Having a family member in the military can result in better rates.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Car insurance companies that may have these benefits may include but are not limited to:

Before buying, ask all companies you are considering what discounts are available to you. All car insurance discounts might not be offered everywhere.

Complexity of Mercury Mountaineer insurance rates

Smart consumers have a good feel for the factors that help determine the price you pay for insurance coverage. Having a good understanding of what influences your rates allows you to make educated decisions that may reward you with big savings.

  • Frequent insurance coverage claims increase rates – Insurance companies give lower rates to insureds who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for the large, substantial claims.
  • Your car’s features help determine rates – Driving a car with an alarm system can help lower your rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • The more you drive the more you pay – The higher the mileage driven in a year’s time the higher your rate. The majority of insurers apply a rate based on how the vehicle is used. Vehicles that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Verify your insurance coverage declarations sheet is rated on the correct usage for each vehicle, because it can save money. If your policy improperly rates your Mountaineer can result in significantly higher rates.
  • Are you male or female? – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Men and women have accidents at about the same rate, but the males tend to have more serious accidents. They also get more serious tickets like reckless driving and DUI.
  • Liability coverage protects you – The liability section of your policy is the coverage that protects you when a jury decides you are liable for damages from an accident. Liability insurance provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
  • Don’t buy coverages you don’t need – There are a lot of additional coverages you can purchase if you aren’t careful. Coverages for personal injury protection, better glass coverage and additional equipment coverage are examples of these. They may seem good when you first buy your policy, but now you might not need them so eliminate them to save money.
  • Never allow your policy to lapse – Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your coverage have a gap. And not only will your rates increase, but being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that These are some specific questions might point out if your situation would benefit from professional advice.

  • Do I really need UM/UIM coverage?
  • Does liability extend to a camper or trailer?
  • Should I rate my 2000 Mercury Mountaineer as pleasure use or commute?
  • Am I getting all the discounts available?
  • When does my teenage driver need to be added to my policy?
  • Do I need more liability coverage?
  • How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Advertising myths

Auto insurance providers like Allstate, Geico and Progressive continually stream ads on TV and radio. They all make an identical promise of big savings after switching your coverage to them. But how can every company make the same claim?

Insurance companies can use profiling for the right customer that makes them money. An example of a profitable customer could possibly be between the ages of 30 and 50, has no driving citations, and has a high credit rating. Any driver who fits that profile gets the lowest rates and most likely will save a lot of money.

Potential customers who fall outside the requirements will have to pay a higher premium and this can result in the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everyone that quotes” save money. This is how insurance companies can make those claims. Because of the profiling, drivers must get a wide range of price quotes. It’s not possible to predict which company will have the lowest Mercury Mountaineer insurance rates.

Insurance coverage breakdown

Understanding the coverages of your insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages found on most insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Mercury Mountaineer.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive auto coverage

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

Comprehensive can pay for things like a tree branch falling on your vehicle, hitting a bird, vandalism and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for immediate expenses such as pain medications, surgery and X-ray expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

This coverage covers damage to your Mountaineer caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sustaining damage from a pot hole, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability insurance

Liability coverage provides protection from damage or injury you incur to other people or property. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show 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 can pay for claims like medical services, medical expenses, court costs, funeral expenses and attorney fees. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

More quotes mean more savings

Low-cost 2000 Mercury Mountaineer insurance is attainable from both online companies and also from your neighborhood agents, and you need to price shop both to have the best selection. Some insurance companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

We just presented quite a bit of information on how to compare insurance prices online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with a company that doesn’t do a lot of advertising. They often have lower prices on specific markets compared to the large companies like Progressive or Geico.

Even more information can be read in the articles below: