How Much Does 2004 Mercury Mountaineer Insurance Cost?

Shoppers have lots of choices when shopping for affordable Mercury Mountaineer insurance. You can either spend your time driving around to compare prices or save time using the internet to compare rates. There are more efficient ways to find insurance coverage online and we’ll show you the absolute fastest way to price shop coverage on a Mercury and locate the lowest possible price from both online companies and local agents.

Which Auto Insurance is Cheapest?

Most companies allow you to get prices online. Getting online rates is pretty painless as you just enter your personal and coverage information into the quote form. Once you submit the form, their rating system obtains reports for credit and driving violations and returns a price quote based on these factors.

Quoting online streamlines rate comparisons, but the work required to visit multiple sites and type in the same information can be a bit tiresome and repetitive. But it’s absolutely necessary to do this in order to get the best price on auto insurance.

An easier way to compare auto insurance pricing utilizes a single form to obtain quotes from more than one company. It’s a real time-saver, reduces the work, and makes online shopping much more enjoyable and efficient. After your information is entered, it is quoted with multiple companies and you can pick your choice of the quote results. If you find a better price you simply finish the application and buy the new coverage. It only takes a few minutes and you will find out if you’re overpaying now.

In order to compare pricing, click here to open in a new tab and enter your vehicle and coverage information. If you have coverage now, it’s recommended you duplicate deductibles and limits as close as possible to your current policy. Using the same limits helps guarantee you will get rate comparison quotes for similar insurance coverage.

Tailor your coverage to you

When choosing adequate coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine whether your personal situation will benefit from professional help.

Does my personal policy cover me when driving out-of-state?
Is my custom paint covered by insurance?
Am I covered when driving on a suspended license?
Do I really need UM/UIM coverage?
Am I covered if I crash into my own garage door?
Does medical payments coverage apply to all occupants?
Is there coverage for injuries to my pets?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your insurance policy

Knowing the specifics of insurance can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 2004 Mercury Mountaineer.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto collision coverage

This pays for damage to your Mountaineer from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a building, damaging your car on a curb, rolling your car, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Auto liability

Liability insurance can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims such as court costs, legal defense fees, repair costs for stationary objects and emergency aid. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, rock chips in glass, fire damage, damage from a tornado or hurricane and falling objects. The highest amount a 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 it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for hospital visits, doctor visits and chiropractic care. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage