View 2006 Mercury Mountaineer Insurance Rates

Want lower auto insurance rates for your Mercury Mountaineer? Perplexed by the dozens of auto insurance companies? Many other consumers are too. Consumers have so many options that it can easily become a ton of work to locate the lowest price.

You should make it a habit to compare rates once or twice a year since rates are variable and change quite frequently. Even if you got the best rates for Mountaineer insurance a few years ago you will most likely find a better rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to how to use the internet to properly buy coverages while reducing your premium.

Where Can I Get Cheap Insurance Coverage?

To find the best insurance coverage prices, there are several ways to compare quotes from local insurance coverage companies. The recommended way to find competitive 2006 Mercury Mountaineer insurance rates involves getting comparison quotes online. This is very easy and can be done in several different ways.

The single most time-saving way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do separate quotes for each company you want a rate for. One simple form gets rate comparisons from many national carriers. This is by far the quickest method.

A more difficult way to shop for insurance coverage online consists of going to the website of each company and request a quote. For examples sake, let’s say you want comparison quotes from Progressive, Geico and GMAC. To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method.

For a handy list of car insurance company links in your area, click here.

The least efficient method to get comparison rates is to spend your day driving to different agent offices. Shopping for insurance coverage online has reduced the need for local agents unless you require the trained guidance of a local agent. You can, however, obtain prices from the web but buy from a local insurance agent.

However you get your quotes, double check that you are using the exact same coverages with every price quote. If you use different values for each quote you can’t possibly make a fair comparison for your Mercury Mountaineer. Just a small difference in coverages can result in a big premium difference. And when price shopping your coverage, obtaining a wide range of quotes will improve the odds of getting a better price.

Are you getting all your discounts?

Companies that sell car insurance don’t list every discount in a way that’s easy to find, so we took the time to find some of the more common and also the lesser-known car insurance savings.

  • Low Mileage Discounts – Fewer annual miles on your Mercury could qualify for a substantially lower rate.
  • Paperwork-free – A handful of insurance companies will give a small break for buying a policy and signing up digitally online.
  • Safety Course Discount – Successfully completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off for Mountaineer insurance depending on your company.
  • Passive Restraints – Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • No Claims – Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky.

For a list of insurance companies with discount car insurance rates, follow this link.

Tailor your coverage to you

When it comes to buying the best auto insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if you may require specific advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • When can my company non-renew my policy?
  • Should I have combined single limit or split liability limits?
  • Where can I find high-risk insurance?
  • Does my insurance cover a custom paint job?
  • Am I covered if my car is in a flood?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Insurance coverage breakdown

Knowing the specifics of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Collision protection

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

Collision can pay for claims like rolling your car, sustaining damage from a pot hole, colliding with a tree, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like fire damage, rock chips in glass, theft and hitting a deer. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability

This coverage can cover damages or injuries you inflict on a person or their property. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as emergency aid, court costs, bail bonds and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses for things like dental work, nursing services, doctor visits, funeral costs and prosthetic devices. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Mercury Mountaineer.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Affordable insurance is out there

When you buy insurance online, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, someone sacrificed uninsured motorist or liability limits and discovered at claim time that it was a big mistake. Your strategy should be to purchase plenty of coverage for the lowest price while still protecting your assets.

Cheaper 2006 Mercury Mountaineer insurance can be bought from both online companies in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who do not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

We’ve covered some good ideas how to get a better price on insurance. The key thing to remember is the more you quote, the better your comparison will be. Consumers could even find that the lowest premiums are with the smaller companies.

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