2009 Mercury Mountaineer Insurance Quotes

Looking for lower car insurance rates for your Mercury Mountaineer? Perplexed by the wide range of car insurance companies? You have a lot of company. You have so many choices that it can be a ton of work to find the lowest price.

Lower rates by qualifying for discounts

Car insurance is not cheap, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but less common discounts must be asked for before they will apply.

  • Accident Waiver – Certain companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Bundle and Save – If you insure your home and vehicles with the same company you could get a discount of 10% to 20% off each policy.
  • Accident Free – Drivers who don’t have accidents pay less when compared with bad drivers.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class in high school.
  • Safe Drivers – Safe drivers can pay as much as 50% less on Mountaineer coverage than drivers with accidents.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will cut your overall premium however.

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

Automobile Insurance Quotes

Comparing insurance rates can be exhausting if you don’t know the fastest way to get free quotes. You could spend your day discussing policy coverages with local insurance agents in your area, or you can utilize online quoting to accomplish the same thing much quicker.

Most car insurance companies belong to an insurance system that enables customers to complete one form, and each participating company provides a quote for coverage. This eliminates the need for form submissions to every company.

To submit your quote information now, click here to open in new window.

The single downside to using this type of system is you don’t know exactly the providers you want pricing from. So if you prefer to choose from a list of companies to compare, we have a page of low cost insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but be sure to compare apples-to-apples coverage limits and deductibles on every quote you get. If your comparisons have different liability limits you will not be able to find the best deal for your Mercury Mountaineer. Just a small difference in limits may result in a large different in cost. It’s important to know that comparing a large number of companies helps locate a lower rate.

Mercury Mountaineer insurance rates are influenced by…

Consumers need to have an understanding of the rating factors that come into play when calculating car insurance rates. Knowing what influences your rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

  • High crash test scores lower rates – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If your Mercury Mountaineer has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Mature drivers pay less – Young drivers have a tendency to be careless and easily distracted when behind the wheel so car insurance rates are higher. Older insureds are more cautious drivers, file fewer claims and receive fewer citations.
  • Consolidate policies to earn discounts – Some insurance companies provide better rates to customers who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to shop around to confirm you are receiving the best rates possible. Drivers may still find better rates by buying car insurance from a different company.
  • Theft deterrents lower rates – Driving a car with an alarm system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Never go without insurance – Driving your car without having proper coverage is against the law and car insurance companies will penalize you for letting your insurance lapse. And not only will insurance be more expensive, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • Your location is important – Residing in a small town can save you money when insuring your vehicles. Lower population means fewer accidents and a lower car theft rate. City drivers regularly have traffic congestion and longer commute times. Higher commute times can result in more accidents.
  • Do you need the policy add-ons? – There are quite a few extra bells and whistles that can waste your money if you aren’t careful. Coverages for roadside assistance, accident forgiveness and term life insurance may be costing you every month. They may seem like a good idea initially, but if they’re wasting money eliminate them to save money.
  • Liability insurance protects assets – The liability section of your policy provides coverage if a jury decides you are liable for damages caused by your negligence. Liability provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.

Car insurance is unique, just like you

When buying proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For example, these questions can aid in determining if your situation might need an agent’s assistance.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does liability extend to a camper or trailer?
  • Is pleasure use cheaper than using my 2009 Mercury Mountaineer to commute?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when pulling a rental trailer?
  • Is upholstery damage covered by car insurance?
  • Does my 2009 Mercury Mountaineer qualify for pleasure use?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form.

Don’t believe everything you hear

Insurance providers like Progressive, Geico, Allstate and State Farm regularly use ads on TV and radio. They all make an identical promise about savings if you move to their company. How can each company make the same claim?

Different companies have a preferred profile for the right customer that makes them money. A good example of a desirable insured could possibly be between 25 and 40, a clean driving record, and chooses high deductibles. A customer that hits that “sweet spot” will get very good rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who are not a match for these standards will be quoted a higher premium which leads to business not being written. The ad wording is “people who switch” but not “drivers who get quotes” save money. That’s why insurance companies can state the savings.

This emphasizes why you should get a wide range of price quotes. It’s not possible to predict which company will fit your personal profile best.

Insurance coverage options for a Mercury Mountaineer

Knowing the specifics of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive auto coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, damage from flooding, damage from getting keyed, vandalism and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2009 Mercury Mountaineer.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Collision coverages – This will pay to fix damage to your Mountaineer resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as damaging your car on a curb, backing into a parked car, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as chiropractic care, prosthetic devices, dental work and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability insurance – This coverage provides protection from damage or injury you incur to people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like structural damage, loss of income, pain and suffering, court costs and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Make an honest buck

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

We just covered a lot of tips how to save on 2009 Mercury Mountaineer insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with a small mutual company.

Cheap insurance can be found both online in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. Some car insurance companies do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

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