2010 Mercury Mountaineer Insurance Quotes – 8 Tips for Best Rates

Trying to find lower insurance coverage rates for your Mercury Mountaineer? Searching for low-cost insurance for your Mercury Mountaineer can turn out to be a lot of work, but you can follow these tips to find lower rates.

There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the proper way to compare rates for a Mercury and find the lowest possible price.

The best way to compare insurance rates from multiple companies takes advantage of the fact all the major auto insurance companies will pay a fee to provide you with a free rate quote. All consumers are required to do is take a few minutes to give details such as driver ages, if you require a SR-22, whether your vehicle is owned or leased, and how much school you completed. Your rating data gets transmitted to multiple top-rated companies and they return quotes immediately.

Drivers can save with with these eight discounts

Insurance can cost an arm and a leg, but there could be significant discounts to cut the cost considerably. Many discounts should be triggered at the time of purchase, but some may not be applied and must be asked for prior to receiving the credit.

Resident Student – Older children who are attending college and do not have a car can be insured at a reduced rate.
Driver’s Ed – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it will make them better drivers and lower rates.
Drive Safe and Save – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote for Mountaineer insurance than drivers with accident claims.
Discount for Home Ownership – Just owning your own home can get you a discount since home ownership is proof of financial responsibility.
Online Discount – A handful of companies will give you a small discount for buying a policy and signing up over the internet.
Senior Citizen Discount – Drivers over the age of 55 may be able to get better insurance coverage rates for Mountaineer insurance.
Low Mileage Discounts – Fewer annual miles on your Mercury may allow you to get lower insurance coveragerates due to less chance of an accident.
No Claims – Drivers who stay claim-free are rewarded with significantly better rates on auto insurance quote as opposed to drivers with a long claim history.

As a sidenote, most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will reduce your overall premium however.

A list of insurance coverage companies and some of the discounts are outlined below.

21st Century offers premium reductions for good student, automatic seat belts, air bags, anti-lock brakes, early bird, teen driver, and homeowners.
Progressive may offer discounts for online signing, homeowner, multi-vehicle, multi-policy, good student, online quote discount, and continuous coverage.
State Farm has savings for multiple autos, anti-theft, defensive driving training, multiple policy, accident-free, and Steer Clear safe driver discount.
Nationwide offers discounts including accident-free, business or organization, defensive driving, multi-policy, family plan, and Farm Bureau membership.
Esurance may include discounts for good driver, renters, Pac-12 alumni, anti-lock brakes, and DriveSense.
The Hartford has discounts for defensive driver, air bag, good student, driver training, bundle, vehicle fuel type, and anti-theft.

Check with all companies you are considering what discounts are available to you. Depending on the company, some discounts might not apply in your area.

Your situation helps dictate your coverage

When buying adequate coverage, there is no one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining whether or not you would benefit from professional advice.

Am I covered if hit by an uninsured driver?
What is no-fault insurance?
Will my rates increase for filing one claim?
Are there companies who specialize in insuring high-risk drivers?
Is pleasure use cheaper than using my 2010 Mercury Mountaineer to commute?
Is motorclub coverage worth it?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Parts of your insurance policy

Having a good grasp of insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your 2010 Mercury Mountaineer.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Auto liability

This will cover injuries or damage you cause to other people or property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as legal defense fees, emergency aid and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision)

This covers 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 things like hail damage, falling objects, hitting a deer, fire damage and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like EMT expenses, rehabilitation expenses, surgery, prosthetic devices and chiropractic care. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle 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 coverage

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as damaging your car on a curb, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.