View 2003 Mercury Mountaineer Insurance Cost

Trying to find lower insurance rates for your Mercury Mountaineer? Feel like you’re a prisoner to an expensive insurance policy? Trust us when we tell you you’re not alone. Since drivers have many choices, it is hard for the average consumer to pick the cheapest insurer.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to save some money using these tips. Consumers just need to understand the most effective way to get comparison rates over the internet.

The most recommended method to compare rate quotes takes advantage of the fact auto insurance companies pay for the opportunity to quote your coverage. The only thing you need to do is provide details like how many miles driven, whether the vehicles are used for commuting, what your job is, and any included safety features. Your details is instantly submitted to insurance carriers in your area and you receive quotes very quickly.

Auto insurance is unique, just like you

When it comes to buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Every situation is different so this has to be addressed. For example, these questions may help you determine if your insurance needs will benefit from professional help.

  • Am I insured when driving a different vehicle?
  • How can I get my company to pay me more for my totalled car?
  • Is my babysitter covered when using my vehicle?
  • Is a blown tire covered by insurance?
  • Am I covered if my car is in a flood?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Information about specific coverages

Understanding the coverages of your insurance policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy. These are the normal coverages found on most insurance policies.

Coverage for liability – Liability coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like loss of income, court costs, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your 2003 Mercury Mountaineer.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance – This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, falling objects, hitting a deer and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like sideswiping another vehicle, crashing into a building, damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for expenses for things like funeral costs, doctor visits, prosthetic devices, pain medications and EMT expenses. They are often used in conjunction with a 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 as well as being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage