I can’t think of anyone who likes buying auto insurance, especially knowing the prices are way too high. Companies like State Farm, Geico and Farmers Insurance increase brand awareness with advertising and consumers find it hard to ignore the flashy ads and find the best price available.
It’s a good idea to compare premium rates occasionally because auto insurance prices change regularly. Even if you think you had the lowest rates for Mountaineer coverage a year ago the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the quickest way to lower your rates without sacrificing coverage.
Lowering your 2004 Mercury Mountaineer insurance coverage rates isn’t really that difficult. All that’s required is to take a couple of minutes to get quotes to find out which insurance company has the cheapest car insurance quotes. Price comparisons can be done in a couple of different ways.
For a handy list of car insurance company links in your area, click here.
It’s up to you which method you use, but ensure you’re using the same coverage data for each price quote. If you have different liability limits it’s impossible to decipher which rate is best.
Companies do not list every discount in a way that’s easy to find, so we researched some of the more common and the harder-to-find credits that may apply to you.
As a sidenote, most credits do not apply to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. Even though it appears it’s possible to get free car insurance, nobody gets a free ride. But all discounts will positively reduce the cost of coverage.
Large car insurance companies and the discounts they provide can be found below.
When getting a coverage quote, ask all the companies which discounts you may be entitled to. Discounts may not apply to policyholders everywhere.
Lots of things are taken into consideration when premium rates are determined. A few of the factors are predictable like an MVR report, but others are less obvious like where you live or how financially stable you are.
When it comes to choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different so your insurance needs to address that. For example, these questions can help discover if your insurance needs might need an agent’s assistance.
If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.
Consumers can’t escape the ads that promise big savings for switching by companies like Allstate and Progressive. All the companies advertise claims about saving some big amount after switching your policy.
Is it even possible that every company can have lower policy pricing? Here is how they do it.
Insurance providers give the best rates for the type of customer they prefer to insure. One example of a preferred risk might have to be a married male, has a clean driving record, and drives a safe vehicle. Any driver who meets those qualifications will get a cheap rate quote and is almost guaranteed to save a lot if they switch.
People who fall outside these stringent criteria will have to pay higher prices which leads to business not being written. The ad wording is “drivers who switch” not “everybody who quotes” save the amount stated. That’s why insurance companies can state the savings. This emphasizes why you should get car insurance quotes as often as possible. It’s not possible to predict the company that will be your best fit.
Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the usual coverages available from auto insurance companies.
Collision coverage protection
Collision insurance will pay to fix damage to your Mountaineer from colliding with an object or car. 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 colliding with another moving vehicle, rolling your car and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Comprehensive (Other than Collision)
Comprehensive insurance 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 can pay for claims like vandalism, hail damage, rock chips in glass, hitting a bird and a broken windshield. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Medical expense insurance
Coverage for medical payments and/or PIP reimburse you for bills for pain medications, X-ray expenses, prosthetic devices, funeral costs and nursing services. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Mercury Mountaineer.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.
Liability car insurance
Liability insurance protects you 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 own vehicle damage or injuries.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.
Liability insurance covers things such as medical expenses, loss of income, funeral expenses, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.
When searching for cheap car insurance quotes, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped full coverage to discover at claim time that it was a big mistake. Your objective should be to purchase a proper amount of coverage at the best cost while still protecting your assets.
We’ve covered a lot of information how to save on 2004 Mercury Mountaineer insurance. The key thing to remember is the more providers you compare, the better likelihood of getting inexpensive car insurance. Consumers may even find the lowest rates are with a smaller regional carrier. Regional companies often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate and Progressive.
Some companies don’t offer online rate quotes and many times these smaller providers provide coverage only through local independent agencies. Cheaper 2004 Mercury Mountaineer insurance can be sourced both online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates.
More information is located on the following sites: