Cheaper 2010 Mercury Mountaineer Car Insurance Quotes

I can’t think of anyone who cherishes buying car insurance, especially knowing the cost is too high.

Insurance companies such as Geico and Progressive persitently shower you with ad campaigns and consumers find it hard to see through the deception and find the best price available.

If you have car insurance now, you should be able to lower your premiums substantially using this information. Finding the best rates is not rocket science. Although car owners should learn the way companies determine prices because it can help you find the best coverage.

Comparison of Insurance

Shopping for lower insurance rates can take time and effort if you aren’t aware of the fastest way to get free quotes. You can waste a lot of time driving to agents in your area, or you can stay home and use online quotes to get pricing more quickly.

Many popular insurance companies belong to an insurance system where insurance shoppers complete one form, and each participating company can provide price quotes based on the submitted data. This eliminates the need for quotation requests to each individual insurance company.

To find out how much you’re overpaying now click here to start a free quote.

The single downside to using this type of system is you can’t choose the insurers you want to price. If you would rather choose individual companies to compare, we have assembled a list of the cheapest insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same coverage limits and deductibles with each company. If you enter unequal deductibles or liability limits it’s impossible to make an equal comparison. Having just a slight variation in coverage limits can mean a large discrepancy in price. Keep in mind that quoting more will improve the odds of getting the best price.

When should I use an insurance agent?

When it comes to choosing coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

  • Am I covered when driving on a suspended license?
  • Do I benefit by insuring my home with the same company?
  • Do I pay less if my vehicle is kept in my garage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I drive in Mexico and have coverage?
  • Are rental cars covered under my policy?
  • What if I owe more than I can insure my car for?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

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. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Information about specific coverages

Knowing the specifics of insurance aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages found on most insurance policies.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as funeral costs, rehabilitation expenses, nursing services, pain medications and ambulance fees. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Liability – This coverage provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: 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 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like court costs, legal defense fees, funeral expenses, repair costs for stationary objects and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Mercury Mountaineer.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision) – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like vandalism, falling objects and hitting a bird. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.