Lower Your 2000 Mercury Mountaineer Insurance Rates

Looking for lower auto insurance rates? Shoppers have many options when shopping for affordable Mercury Mountaineer insurance. You can either spend your time struggling with agents getting price quotes or utilize the internet to compare rates. There are both good and bad ways to compare auto insurance rates and we’ll show you the best way to compare rates on a Mercury and obtain the lowest possible price either online or from local insurance agents.

These discounts can lower car insurance rates

Not too many consumers would say car insurance is affordable, but companies offer discounts that can help lower your rates. Certain reductions will be credited at the time of purchase, but a few must be manually applied in order for you to get them.

  • ABS Braking Discount – Cars that have anti-lock braking systems can reduce accidents so you can save 10 percent or more.
  • Early Switch Discount – Select insurance companies give a discount for switching companies prior to your current policy expiration. You could save around 10% when you buy car insurance online.
  • Anti-theft System – Cars with anti-theft systems are stolen with less frequency and will qualify for a discount on a car insurance quote.
  • Smart Student Discounts – Performing well in school can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Defensive Driving Course – Taking part in a course that instructs on driving safety could possibly earn you a 5% discount and make you a better driver.
  • Military Discounts – Being on active deployment in the military could qualify you for better premium rates.

Don’t be surprised that some of the credits will not apply the the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it appears it’s possible to get free car insurance, you won’t be that lucky. But any discount will help reduce the cost of your policy.

Popular car insurance companies and the discounts they provide are outlined below.

  • Progressive offers discounts for homeowner, good student, continuous coverage, online signing, multi-policy, online quote discount, and multi-vehicle.
  • Farmers Insurance has savings for teen driver, electronic funds transfer, early shopping, youthful driver, homeowner, and pay in full.
  • Farm Bureau has discounts for 55 and retired, good student, youthful driver, multi-vehicle, multi-policy, driver training, and safe driver.
  • State Farm may offer discounts for good student, anti-theft, student away at school, Steer Clear safe driver discount, multiple policy, multiple autos, and Drive Safe & Save.
  • Geico includes discounts for multi-vehicle, anti-lock brakes, military active duty, defensive driver, and anti-theft.
  • SAFECO may include discounts for anti-lock brakes, accident prevention training, safe driver, multi-car, teen safety rewards, and anti-theft.
  • Liberty Mutual policyholders can earn discounts including safety features, newly retired, multi-policy, exclusive group savings, and new graduate.

When getting a coverage quote, ask each company or agent to give you their best rates. Discounts may not be offered in your area. If you would like to see a list of providers who offer online car insurance quotes, click here to view.

When do I need an agent’s advice?

When buying the best insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Is my babysitter covered when using my vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I rent a car in Mexico?
  • Is there coverage for injuries to my pets?
  • Who is covered when they drive my 2000 Mercury Mountaineer?
  • If I drive on a suspended license am I covered?
  • When can my company non-renew my policy?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Coverages available on your insurance policy

Knowing the specifics of insurance aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Collision – This coverage will pay to fix damage to your Mountaineer from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like driving through your garage door, colliding with another moving vehicle, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like rehabilitation expenses, EMT expenses, prosthetic devices, dental work and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Mercury Mountaineer.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverages – This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, hail damage and fire damage. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability – Liability coverage provides protection from injuries or damage you cause to a person or their property. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like repair costs for stationary objects, court costs, medical services, loss of income and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

At the end of the day…

In this article, we presented a lot of techniques to compare 2000 Mercury Mountaineer insurance premium rates online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premium rates are with a small mutual company.

A few companies may not offer online quoting and many times these smaller providers only sell through independent insurance agencies. The cheapest 2000 Mercury Mountaineer insurance is definitely available both online and from local agencies, so you need to compare both to have the best selection.

Consumers switch companies for a variety of reasons including policy non-renewal, delays in paying claims, delays in responding to claim requests and unfair underwriting practices. It doesn’t matter why you want to switch finding a new car insurance company can be easy and end up saving you some money.

Much more information about car insurance is available at the links below