Cheap 2002 Mercury Mountaineer Insurance Quotes

Searching for better insurance rates for your Mercury Mountaineer? Scraping up a payment for pricey Mercury Mountaineer insurance can drain your budget and force you to make sacrifices. Comparing rates annually can save money and help to make ends meet.

Many auto insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare car insurance companies and uncover the absolute best rate

It’s important to do rate comparisons periodically because insurance prices tend to go up over time. Just because you found the best price on Mountaineer insurance at your last renewal you may be paying too much now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to how to use online quotes to properly buy coverages while reducing your premium.

First Step: Get free auto insurance quotes

To find the best auto insurance rates, there are several ways to obtain and compare prices from many available auto insurance companies in your state. The easiest way to compare rates is simply to get online rate quotes. This can be done by using one of the methods below.

  1. The recommended way to get the best comparison quotes is a comparison rater form click to view form in new window. This form saves time by eliminating separate quote forms for each price estimate. A single, simple form will get you price quotes from all major companies.
  2. A slightly less efficient method to find more affordable insurance consists of visiting each company website and repeat the quote process. For examples sake, we’ll pretend you are doing a rate comparison from State Farm, Progressive and Travelers. You would be required to go to every website and repeatedly type in your coverage information, and that explains why we recommend the first method. To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just do your best to enter the same coverage information with each company. If you compare different liability limits it’s impossible to find the best deal for your Mercury Mountaineer. Having just a slight variation in coverage limits can result in a big premium difference. And when price shopping your coverage, obtaining a wide range of quotes increases your odds of finding better pricing.

Are you receiving every discount?

Some companies don’t always list every discount they offer in a way that’s easy to find, so we break down a few of the more common as well as some of the hidden credits available to you.

  • Clubs and Organizations – Joining qualifying clubs or civic groups is a simple method to lower premiums on auto insurance.
  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you a small discount if you purchase some life insurance too.
  • New Car Discount – Insuring a vehicle that is new can be considerably cheaper since new model year vehicles have better safety ratings.
  • Theft Prevention System – Cars and trucks that have factory anti-theft systems are stolen with less frequency and will save you 10% or more.
  • Discounts for Government Workers – Federal government employees may reduce rates when you quote insurance on Mountaineer insurance depending on your company.
  • Drivers Education – Require your teen driver to sucessfully take a drivers education course if offered at their school.

Don’t be shocked that some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A few companies that have many of the previously listed discounts possibly include:

Before buying, ask every company to give you their best rates. Some of the earlier mentioned discounts may not apply to policies in your state. To see a list of insurers with significant discounts, click here to view.

When in doubt talk to an agent

When it comes to choosing adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. These are some specific questions can help discover if your situation may require specific advice.

  • When should I not file a claim?
  • Do I pay less for low miles?
  • How can I force my company to pay a claim?
  • Am I covered when driving on a suspended license?
  • How much liability do I need to cover my assets?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How many claims can I have before being cancelled?
  • Should I buy only the required minimum liability coverage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

How do insurers determine Mercury Mountaineer insurance premiums?

Multiple criteria are part of the equation when you get your auto insurance bill. Some are obvious like a motor vehicle report, but other criteria are more obscure such as whether you are married or your financial responsibility.

  • Where you live is a factor – Being located in smaller towns and rural areas of the country has definite advantages when it comes to auto insurance. Drivers in populated areas have much more traffic and much longer commute distances. Fewer people means reduced accidents in addition to lower liability claims
  • Safer cars cost less to insure – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and lower rates of occupant injuries translates into savings for insurance companies and thus lower rates. If the Mercury Mountaineer scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • How’s your driving record? – Drivers who don’t get tickets get better rates as compared to careless drivers. Just one ticket may increase your cost to the point where it’s not affordable. Drivers with serious violations such as reckless driving or DUI may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to legally drive a vehicle.
  • Multiple policies with one company can save – Most major insurers will award discounts to clients that have more than one policy, otherwise known as a multi-policy discount. The discount can add up to 10 percent or more. Even if you already get this discount, drivers will still want to get quotes from other companies to make sure you are getting the best deal.
  • Insurance prices and driver gender – The statistics show that women are safer drivers than men. However, don’t assume that females are better at driving than males. Men and women tend to get into fender benders at about the same rate, but guys get into accidents with more damage. Men also tend to get cited for more serious violations like reckless driving and DUI.
  • Remove unneeded add-on coverages – There are many extra coverages that may not really be needed if you aren’t careful. Add-on coverages like rental car coverage, towing, and motor club memberships are some examples. You may think they are a good idea at first, but if you don’t need them eliminate them to save money.
  • Prevent theft and save – Choosing a vehicle with an alarm system can earn a premium discount. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent auto theft.

Car insurance coverage information

Understanding the coverages of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on the average insurance policy.

Protection from uninsured/underinsured drivers – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Mercury Mountaineer.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for bills like rehabilitation expenses, dental work, ambulance fees and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage pays for damage to your Mountaineer caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as rolling your car, colliding with a tree, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, vandalism, fire damage, damage from flooding and hail damage. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability – Liability insurance protects you from damage that occurs to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as medical expenses, structural damage and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

More comparisons equals lower rates

In this article, we covered a lot of techniques to get a better price on 2002 Mercury Mountaineer insurance. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the most savings is with an unexpected company. Regional companies often have lower prices on specific markets than their larger competitors like Allstate, Geico and Progressive.

Discount 2002 Mercury Mountaineer insurance can be found online and with local insurance agents, so get free insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who may not have price quotes online and usually these small, regional companies only sell through independent agencies.

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