Cheaper 1997 Mercury Mountaineer Insurance Quotes

Want lower insurance coverage rates for your Mercury Mountaineer? Do you think you bought an expensive insurance coverage policy? It’s quite common and there are many people just like you.

Since you have so many choices, it’s nearly impossible to choose a more affordable insurance company.

The most recommended method to compare car insurance rates takes advantage of the fact all the major auto insurance companies allow for online access to compare their rates. The only thing you need to do is provide information such as how much you drive, your job, which vehicles you own, and how much education you have. Your details gets transmitted to insurance carriers in your area and you will receive price estimates very quickly.

Do car insurance companies bend the truth?

Big name companies like State Farm, GEICO and Progressive consistently run ads in print and on television. They all have a common claim that people will save just by moving your car insurance coverage to their company. That’s great but how can every company charge you less for auto insurance? Just pay attention to how they say it.

Insurance providers have specific guidelines for the type of customer that is profitable for them. For example, a profitable customer may need to be between the ages of 40 and 55, has no claims, and the vehicle is rated for pleasure use. Someone that matches those criteria will qualify for the lowest rates and most likely will save a lot if they switch.

Insureds who fall short of the ideal profile may receive higher premiums and business not being written. The ad wording is “drivers that switch” not “everyone that quotes” can get the lowest rates when switching. That is how insurance companies can confidently make claims that they all have the best rates. This really drives home the point why you should get as many free insurance quotes as possible. Because you never know which car insurance company will have the lowest rates.

Discounts to earn lower-cost auto insurance rates

Companies offering auto insurance do not advertise every available discount very well, so the list below contains both well-publicized and the harder-to-find savings tricks you should be using when you buy insurance online.

  • Membership in Organizations – Affiliation with qualifying employment or professional organizations is a good way to get lower rates on your next auto insurance statement.
  • Cautious Driver Discounts – Insureds who avoid accidents can pay as much as 50% less for Mountaineer coverage than less cautious drivers.
  • Seat Belts Save – Drivers who require all vehicle occupants to fasten their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • Senior Discount – Mature drivers are able to get a small discount on rates for Mountaineer coverage.
  • ABS and Traction Control Discounts – Cars with ABS and/or traction control are much safer to drive and earn discounts up to 10%.
  • Military Discounts – Having a deployed family member may qualify for rate reductions.
  • Anti-theft System – Cars and trucks optioned with advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Good Grades Discount – This discount can earn a discount of 20% or more. The discount lasts well after school through age 25.

Drivers should understand that many deductions do not apply the the whole policy. Most only apply to specific coverage prices like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, companies don’t profit that way.

To see a list of insurers who offer free auto insurance quotes, click here to view.

Tailor your insurance coverage to you

When choosing coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions may help you determine if you may require specific advice.

  • Do all my vehicles need collision coverage?
  • Does car insurance cover theft of personal property?
  • Will my insurance pay for OEM parts?
  • Should I carry comprehensive and collision coverage?
  • Can I afford low physical damage deductibles?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered if I hit my neighbor’s mailbox?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Car insurance coverages and their meanings

Knowing the specifics of a car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most car insurance policies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills like rehabilitation expenses, EMT expenses, doctor visits, surgery and nursing services. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, hitting a mailbox, sustaining damage from a pot hole, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, theft and damage from flooding. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance

Liability insurance will cover injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for things such as repair costs for stationary objects, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Save your cold hard cash

Throughout this article, we presented quite a bit of information on how to save on 1997 Mercury Mountaineer insurance. The key thing to remember is the more companies you get rates for, the higher your chance of finding affordable insurance. Consumers may even find the lowest prices are with a lesser-known regional company. These smaller insurers may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

When buying insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, someone dropped physical damage coverage only to regret at claim time that they should have had better coverage. The goal is to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.

Cheap 1997 Mercury Mountaineer insurance is available from both online companies and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not provide online rate quotes and these regional carriers provide coverage only through local independent agencies.

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