2006 Mercury Mountaineer Insurance Rates

Consumers have lots of choices when looking for the best price on Mercury Mountaineer insurance. They can either spend hours driving around trying to get quotes or save time using the internet to make rate comparisons. There is a right way and a wrong way to buy car insurance so you’re going to learn the absolute fastest way to compare rates for a new or used Mercury and locate the lowest price.

It is always a good idea to compare rates periodically because prices are constantly changing. Even if you got the best price on Mountaineer coverage a few years ago you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re going to get a crash course in the proper way to remove unneeded coverages and save money.

How your Mountaineer insurance premiums are determined

Multiple criteria are part of the equation when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, but some are less obvious such as your credit history or how financially stable you are.Part of the car insurance buying process is learning some of the factors that are used to determine the price you pay for car insurance. If you know what controls the rates you pay, this empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Vehicles with better crash test results means lower car insurance rates – Safe vehicles can get you lower premiums. Safer cars reduce injuries and reduced instances of injuries translates into savings for insurance companies and lower rates for you.
  • Safeguard your assets with liability coverage – The liability section of your policy will afford coverage when you are determined to be liable for an accident. This coverage provides for a legal defense which can cost a lot. Liability is cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
  • Alarm systems lowers premiums – Purchasing a vehicle with an alarm system can help lower your premiums. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms can thwart car theft and help bring rates down.
  • Discounts for married couples – Being married may cut your premiums on car insurance. Having a significant other generally demonstrates drivers are more responsible and insurance companies like that being married results in fewer claims.
  • Poor credit can mean higher premiums – An insured’s credit history is a large factor in your rate calculation. If your credit history is lower than you’d like, you could be paying less to insure your 2006 Mercury Mountaineer if you improve your credit rating. People with excellent credit tend to file fewer claims than those with lower credit ratings.
  • Are you male or female? – Statistics demonstrate that females take fewer risks when driving. The data does not necessarily mean that men are WORSE drivers than women. Both sexes get in auto accidents in similar numbers, but the men get into accidents with more damage. Not only are claims higher, but men get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers are the most expensive to insure and therefore pay the highest rates.
  • Fewer miles means better costs – The higher the mileage driven in a year’s time the more it will cost to insure it. The majority of insurers charge to insure your cars based upon how much you drive. Cars that have low annual miles receive better premium rates than cars that get driven a lot. It’s a smart idea to ensure your car insurance policy reflects the correct usage, because it can save money. An improperly rated Mountaineer is throwing money out the window.

Get lower rates with these discounts

Insurance is expensive, but you might already qualify for some discounts to help bring down the price. Some trigger automatically at the time of quoting, but some discounts are required to be inquired about prior to getting the savings.

  • College Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Include Life Insurance and Save – Select insurance carriers reward you with a discounted insurance rate on car insurance if you buy auto and life insurance together.
  • Professional Organizations – Affiliation with a civic or occupational organization may earn a discount when getting a insurance coverage quote.
  • Buy New and Save – Buying coverage on a new vehicle may earn a small discount since new model year vehicles are generally safer.

A little disclaimer on discounts, many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, that’s just not realistic.

Some companies that may offer policyholders some of the discounts shown above are:

Before purchasing a policy, check with all companies you are considering which credits you are entitled to. Depending on the company, some discounts may not apply to policyholders in every state.

Auto insurance can be complex

When choosing the right insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.

  • Does insurance cover damages from a DUI accident?
  • Is my custom paint covered by insurance?
  • Should I buy additional glass protection?
  • What is covered by UM/UIM coverage?
  • Exactly who is provided coverage by my policy?
  • Should I sign the liability waiver when renting a car?
  • When should I remove comp and collision on my 2006 Mercury Mountaineer?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Auto insurance policy coverages for a Mercury Mountaineer

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

UM/UIM Coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2006 Mercury Mountaineer.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability car insurance

This coverage protects you from injuries or damage you cause to other people or property. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as emergency aid, legal defense fees and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as backing into a parked car, hitting a mailbox, rolling your car, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills for things like doctor visits, dental work, X-ray expenses, chiropractic care and pain medications. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, a broken windshield and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Save for a rainy day

We covered a lot of ways to compare 2006 Mercury Mountaineer insurance rates online. The key thing to remember is the more price quotes you have, the higher your chance of finding inexpensive insurance coverage. You may even find the best price on insurance coverage is with some of the smallest insurance companies.

When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The goal is to buy enough coverage at a price you can afford and still be able to protect your assets.

Drivers change insurance companies for a number of reasons such as high prices, delays in paying claims, extreme rates for teen drivers and being labeled a high risk driver. It doesn’t matter why you want to switch finding a new company can be easier than you think.

For more information, link through to the following helpful articles: