Lower Your 2007 Mercury Mountaineer Insurance Cost

Want the cheapest auto insurance rates for your Mercury Mountaineer? Comparison shopping for auto insurance is always nearly impossible for consumers new to shopping for insurance online. People have so many options available that it can be more work than you anticipated to find lower rates.

Best discounts on Mercury Mountaineer coverage

Companies offering auto insurance don’t list all available discounts very well, so here is a list some of the best known and the harder-to-find ways to save on car insurance.

  • Multiple Cars – Buying coverage for all your vehicles on one policy qualifies for this discount.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less for Mountaineer coverage than their less cautious counterparts.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Homeowners Pay Less – Being a homeowner may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Paperwork-free – A handful of insurance companies will give a small break for buying a policy and signing up digitally online.
  • Good Student – A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only cut individual premiums such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way.

Car insurance companies that may have some of the above discounts are:

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

Compare the Market for Insurance

There are several ways to compare rate quotes from different insurance companies. The best method to find competitive 2007 Mercury Mountaineer insurance rates consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

  1. The fastest way consumers can analyze rates is a comparison rater form click to view form in new window. This form keeps you from doing separate forms for each company. One quote request will get you price quotes from many national carriers.It’s the quickest way to get rates.
  2. A slightly less efficient method to shop for insurance online is to take the time to go to the website for each individual company and complete a new quote form. For example, we’ll assume you want rates from Liberty Mutual, Safeco and State Farm. To find out each rate you need to visit each site to input your insurance information, which is why the first method is quicker.

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

It’s up to you which method you use, but ensure you’re using exactly the same deductibles and coverage limits with every price quote. If your comparisons have different values for each quote it will be impossible to decipher which rate is best. Slightly different limits can make a big difference in price. It’s important to know that comparing a large number of companies helps you find the best price.

Mercury Mountaineer insurance rates consist of many parts

Smart consumers have a good feel for the factors that go into determining the price you pay for insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get lower insurance prices.

  • Where you live is a factor – Choosing to live in small towns and rural areas is a positive aspect when buying insurance. Less people living in that area means reduced accidents. Drivers in populated areas tend to have more traffic problems and longer commutes to work. Longer commute distances means more change of being in an accident.
  • Better credit scores mean better rates – Your credit score is a large factor in calculating your insurance rates. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with lower ratings. If your credit is low, you could potentially save money when insuring your 2007 Mercury Mountaineer by improving your credit score.
  • Bump up deductibles to save – Deductibles for physical damage represent how much money you are required to spend in the event of a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims would be colliding with a building, damage caused by hail, or theft. The more money you’re willing to pay, the less your company will charge you for insurance for Mountaineer coverage.
  • Younger drivers pay higher rates – Youthful drivers are known to get distracted easily in a vehicle so they pay higher insurance rates. Mature drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings can get you lower premiums. Safer cars protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Mercury Mountaineer earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Careful drivers pay lower rates – Even one moving violation may increase your cost twenty percent or more. Drivers with clean records receive lower rates compared to drivers with tickets. If you have flagrant violations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state DMV in order to keep their license.
  • Lower miles equals lower premium – The more you drive each year the higher your rate. Most companies apply a rate based on how the vehicle is used. Cars and trucks that are left in the garage qualify for better rates than vehicles that are driven to work every day. Verify your insurance policy is rated on the correct driver usage. If your policy improperly rates your Mountaineer may be costing you.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there really is no single plan that fits everyone. Every situation is different.

For instance, these questions might point out if you might need professional guidance.

  • When would I need additional glass coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does my policy cover me when driving someone else’s vehicle?
  • How much liability insurance is required?
  • Should I bundle my homeowners policy with my auto?
  • Do I have coverage if my license is suspended?
  • Is my 2007 Mercury Mountaineer covered for smoke damage?
  • Is pleasure use cheaper than using my 2007 Mercury Mountaineer to commute?
  • Is my Mercury Mountaineer covered if I use it for business?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverage breakdown

Learning about specific coverages of car insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, damage from flooding, falling objects and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision protection

This coverage pays for damage to your Mountaineer resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Mercury Mountaineer.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for nursing services, EMT expenses, dental work, hospital visits and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

Liability coverage provides protection from injuries or damage you cause to other people or property. It 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. You might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as loss of income, court costs, structural damage and medical services. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Get your money’s worth

As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. In many instances, an insured cut comprehensive coverage or liability limits only to discover later that the savings was not a smart move. Your aim should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Consumers switch companies for a number of reasons such as unfair underwriting practices, lack of trust in their agent, questionable increases in premium and even delays in responding to claim requests. It doesn’t matter why you want to switch switching insurance companies is pretty simple and you could end up saving a buck or two.

Cheaper 2007 Mercury Mountaineer insurance can be purchased both online and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers do not offer online price quotes and most of the time these smaller companies sell through independent agents.

Additional information is available at the links below