Cheap 2005 Mercury Mountaineer Car Insurance Cost

Trying to find better insurance prices for a Mercury Mountaineer can normally be an all-consuming task, but you can learn our insurance coverage buying tips to save time.

There are more efficient ways to shop for insurance coverage and you need to know the absolute fastest way to get price quotes for your Mercury and get the cheapest rates from both online companies and local agents.

Consumers need to price shop coverage every six months because insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal for Mountaineer coverage at your last renewal you will most likely find a better premium rate today. There is too much inaccurate information about insurance coverage on the internet, but by reading this article, you’re going to learn some great ideas on how to reduce your insurance coverage bill.

If you are insured now or are looking for a new policy, you can use this information to reduce the price you pay while maintaining coverages. Shopping for cheaper insurance coverage is easy if you know what you’re doing. Consumers just need to understand the best way to compare price quotes over the internet.

Cut insurance costs with these tips

Lots of things are taken into consideration when you get your auto insurance bill. Some are pretty understandable such as your driving history, but other criteria are more obscure like where you live and annual miles driven.

  • Age of drivers – Mature drivers are proven to be safer behind the wheel, cost insurance companies less in claims and tend to be get fewer driving tickets.Beginning drivers have a tendency to be less responsible when behind the wheel and because of this, their auto insurance rates are much higher.
  • Do you really need to file that policy claims? – If you file claims often, you shouldn’t be surprised to get much higher rates or policy non-renewal. Car insurance companies provide lower rates to people who do not rely on their insurance for small claims. Your insurance policy is intended for larger claims.
  • Prevent theft and save money – Owning a car with an alarm system can save you some money. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • Only buy coverage you need – There are quite a few optional add-on coverages that you can get tricked into buying if you don’t pay attention. Insurance for coverage for rental cars, high-cost glass coverage, and additional equipment coverage could be just wasting money. The coverages may be enticing at first, but if they’re wasting money think about removing them and cutting costs.

The most recommended method to compare rates utilizes the fact most of the larger companies have advanced systems to compare rate quotes. The only thing you need to do is provide the companies a bit of rating information like the year, make and model of vehicles, level of coverage desired, whether you drive to work or school, and if you have an active license. Your rating data is then sent to multiple different insurance companies and they return rate quotes quickly.

To check rates for your 2005 Mercury Mountaineer now, click here and complete the quick form.

Car insurance myths debunked

Consumers can’t avoid all the ads that claim the cheapest rates by Allstate and Progressive. All the companies tend to make the same promise that you’ll save big if you switch your coverage.

How does every car insurance company claim to save you money? It’s all in the numbers.

Most companies quote their best rates for the driver that will generate a profit. For example, a profitable insured might be described as over age 30, has no driving citations, and drives a lower-performance vehicle. Someone who fits those characteristics is entitled to the best price and will save quite a bit of money when switching.

Consumers who cannot meet these standards will be charged higher premium rates and this can result in business not being written. The wording the ads use say “drivers who switch” not “all people who quote” save that much. That’s the way companies can truthfully state the savings.

That is why it’s extremely important to get a wide range of price quotes. It’s not possible to predict the company that will have the lowest rate quotes.

Drivers can save with these discounts

Companies offering auto insurance don’t necessarily list all disounts very well, so below is a list some of the more common as well as some of the hidden discounts you could be receiving when you buy insurance online. If they aren’t giving you every credit you deserve, you could be saving more on your auto insurance.

  • Driver Safety – Passing a course teaching driver safety skills could possibly earn you a 5% discount if your company offers it.
  • E-sign – A handful of insurance companies provide a small discount for buying your policy on your computer.
  • Early Signing – Some insurance companies give discounts for buying a policy before your current policy expires. This discount can save up to 10%.
  • Life Insurance Discount – Some auto insurance companies give lower rates if you buy auto and life insurance together.
  • Passenger Safety Discount – Factory options such as air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Distant College Student Discount – Youth drivers living away from home attending college and do not have a car can be insured at a reduced rate.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for a discount up to 10% for Mountaineer coverage.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it can save substantially.

A little disclaimer on discounts, most credits do not apply to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, you aren’t that lucky.

A list of companies and a selection of discounts include:

  • Farm Bureau discounts include multi-vehicle, youthful driver, safe driver, driver training, renewal discount, multi-policy, and 55 and retired.
  • Liberty Mutual has savings for new vehicle discount, hybrid vehicle, newly married, exclusive group savings, and new graduate.
  • State Farm offers discounts including Drive Safe & Save, multiple policy, safe vehicle, accident-free, and driver’s education.
  • Auto-Owners Insurance offers premium reductions for teen driver, safe vehicle, air bags, anti-lock brakes, anti-theft, and paid in full.
  • GEICO has discounts for driver training, daytime running lights, emergency military deployment, air bags, and multi-vehicle.
  • SAFECO may have discounts that include drive less, accident prevention training, anti-lock brakes, bundle discounts, anti-theft, and homeowner.

It’s a good idea to ask each company which credits you are entitled to. Savings may not apply in your area.

Special considerations

When buying adequate coverage, there really is no “perfect” insurance plan. Every situation is different.

For instance, these questions could help you determine if your insurance needs would benefit from professional advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What discounts do I qualify for?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What are the best liability limits?
  • How do I insure my teen driver?
  • What are the financial responsibility laws in my state?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.

Insurance coverage considerations

Knowing the specifics of insurance aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Medical expense coverage – Med pay and PIP coverage kick in for short-term medical expenses such as X-ray expenses, ambulance fees, dental work, nursing services and chiropractic care. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2005 Mercury Mountaineer.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverage – This coverage will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like court costs, emergency aid and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverage – Collision coverage covers damage to your Mountaineer from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as colliding with another moving vehicle, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive protection – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hitting a deer, rock chips in glass, damage from flooding and theft. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

A little work can save a LOT of money

Affordable 2005 Mercury Mountaineer insurance can be purchased both online and with local insurance agents, so you need to shop insurance with both in order to have the best price selection to choose from. Some insurance coverage companies do not offer internet price quotes and most of the time these regional carriers prefer to sell through independent insurance agents.

As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. In many instances, someone dropped liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. Your objective should be to find the BEST coverage at an affordable rate and still be able to protect your assets.

In this article, we presented some good ideas how you can save on 2005 Mercury Mountaineer insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best premium rates are with a smaller regional carrier.

Helpful learning opportunities