Compare 2000 Mercury Mountaineer Car Insurance Rates

Want the cheapest auto insurance rates for your Mercury Mountaineer? Are you drained from sacrificing to keep your car insured? You are in the same boat as many other consumers.

You have multiple auto insurance companies to purchase coverage from, and though it is a good thing to have a choice, too many choices makes it more difficult to compare rates.

It’s smart to check auto insurance prices on a regular basis because auto insurance prices are variable and change quite frequently. Just because you had the best price for Mountaineer coverage six months ago you may be paying too much now. There is a lot of bad information regarding auto insurance out there, but by reading this article, you’re going to learn the best ways to slash your auto insurance rates.

The easiest way to get policy rate comparisons is to realize all the major auto insurance companies participate in a system to provide you with free rate quotes. The only thing you need to do is provide a little information like level of coverage desired, how much school you completed, if the car is leased, and how your vehicles are used. Those rating factors is automatically sent to many of the top insurers and they provide comparison quotes with very little delay.

When to get professional advice

When choosing the right insurance coverage, there is no one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.

  • Does my insurance cover a custom paint job?
  • Is my state a no-fault state?
  • At what point should I drop full coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • What vehicles should carry emergency assistance coverage?
  • Should I buy only the required minimum liability coverage?
  • Can I afford low physical damage deductibles?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Auto insurance coverages

Having a good grasp of your insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers 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 very important. Usually the UM/UIM limits are set the same as your liablity limits.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, crashing into a ditch, sideswiping another vehicle, 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 vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, vandalism and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages

Liability coverage can cover damage or injury you incur to a person or their property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as repair bills for other people’s vehicles, medical expenses, repair costs for stationary objects, structural damage and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills like prosthetic devices, X-ray expenses, funeral costs, rehabilitation expenses and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage