2007 Mercury Mountaineer Insurance Quotes – 7 Tips for Cheaper Rates

Trying to find the cheapest auto insurance rates for your Mercury Mountaineer? Finding cheaper rates on auto insurance could be frustrating for drivers who are new to buying insurance online. Since there are so many companies, it can be hard work to find a more affordable company.

This information will instruct you on the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. But vehicle owners should learn how the larger insurance companies price online insurance and use this information to your advantage.

Insurance policy discounts

Some providers don’t always advertise every discount they offer in an easy-to-find place, so the following list contains a few of the more well known and also the more inconspicuous discounts that may be available.

Telematics Data – Drivers who elect to allow their insurance company to study vehicle usage through the use of a telematics system such as Progressive’s Snapshot may see discounts if they are good drivers.
Accident Free – Claim-free drivers are rewarded with significantly better rates on insurance coverage quote in comparison with drivers who are more careless.
Air Bags and Passive Restraints – Vehicles with factory air bags may earn rate discounts of 25 to 30%.
Discount for Home Ownership – Owning your own home or condo may trigger a policy discount on insurance because maintaining a house requires a higher level of personal finance.
Paperless Signup – Many larger companies may give you up to $50 shop insurance coverage on their website.
Theft Deterent – Anti-theft and alarm system equipped vehicles prevent vehicle theft and can earn a small discount on your policy.
Student Discount for Driver Training – Require your teen driver to successfully complete driver’s ed class as it can save substantially.

As a sidenote, some credits don’t apply to the entire policy premium. A few only apply to specific coverage prices like comp or med pay. Even though it appears having all the discounts means you get insurance for free, insurance companies aren’t that generous.

Larger insurance companies and the discounts they provide are included below.

Geico policyholders can earn discounts including military active duty, membership and employees, air bags, defensive driver, and five-year accident-free.
Travelers offers discounts for early quote, multi-car, driver training, student away at school, and multi-policy.
Nationwide offers discounts including accident-free, Farm Bureau membership, easy pay, defensive driving, family plan, and multi-policy.
Farmers Insurance may offer discounts for multi-car, distant student, mature driver, bundle discounts, teen driver, business and professional, and youthful driver.
Esurance has discounts for online quote, paid-in-full, anti-theft, renters, Switch & Save, and multi-policy.
State Farm discounts include defensive driving training, accident-free, passive restraint, good student, good driver, Steer Clear safe driver discount, and multiple autos.
Progressive has savings for continuous coverage, multi-vehicle, homeowner, good student, and online signing.
Mercury Insurance includes discounts for age of vehicle, location of vehicle, low natural disaster claims, multi-policy, and professional/association.

Before buying, ask each company or agent which discounts can lower your rates. Some of the discounts discussed earlier might not be offered in your area. To view insurers with discount insurance rates, click here to view.

How do I know if I need professional advice?

When buying coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different.

For instance, these questions might help in determining if your situation might need an agent’s assistance.

Will my rates increase for filing one claim?
Is a fancy paint job covered?
Do I need roadside assistance coverage?
Can my babysitter drive my car?
Am I covered if I wreck a rental car?
What if I don’t agree with a claim settlement offer?
Do I need an umbrella policy?
Which companies will insure high-risk drivers?
How high should deductibles be on a 2007 Mercury Mountaineer?
Is my 2007 Mercury Mountaineer covered for smoke damage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.

The coverage is in the details

Learning about specific coverages of a insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Collision coverage

This pays for damage to your Mountaineer resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Coverage for liability

This coverage will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like repair costs for stationary objects, emergency aid, legal defense fees and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a broken windshield, a tree branch falling on your vehicle, rock chips in glass, fire damage and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like surgery, chiropractic care, X-ray expenses, funeral costs and doctor visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Pennies from heaven

More affordable insurance coverage is attainable online as well as from independent agents, and you should be comparing both to have the best selection. A few companies do not provide internet price quotes and usually these smaller companies work with independent agencies.

Drivers change insurance companies for a number of reasons such as extreme rates for teen drivers, an unsatisfactory settlement offer, delays in responding to claim requests or lack of trust in their agent. Whatever your reason, switching companies can be easy and end up saving you some money.

When searching for cheaper insurance coverage quotes, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, an insured cut physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at the best possible price.