Cheap 2006 Mercury Mountaineer Insurance Rates

Searching for cheaper insurance coverage rates? Consumers have many options when looking for the best price on Mercury Mountaineer insurance. They can either waste time calling around to compare prices or utilize the internet to get rate quotes.

There are more efficient ways to find insurance coverage online so you’re going to learn the proper way to quote coverages for a Mercury and obtain the best price possible from both online companies and local agents.

How much does auto insurance cost?

Finding a better price on auto insurance is surprisingly easy. You just have to take a few minutes comparing rates to see which company has affordable car insurance quotes. Rate comparisons can be done in a couple of different ways.

  • If you are pressed for time, the simplest way consumers can analyze rates is a comparison rater form click to view form in new window. This type of form keeps you from doing separate quotes for each company you want a rate for. Completing one form gets insurance cost estimates from multiple low-cost companies. It’s the fastest way to compare.
  • A more time consuming way to analyze rates consists of going to the website for every company you want to comare and repeat the quote process. For examples sake, we’ll pretend you want to get rates from Progressive, Liberty Mutual and State Farm. You would have to navigate to each company’s site and enter your information, which is why the first method is quicker. To view a list of companies in your area, click here.
  • The least efficient method of getting rate comparisons is making phone calls or going to each insurance agency near you. Doing it all online reduces the need to sit down with an agent unless you want the extra assistance that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to comparison shop your insurance online but still have the advice of a local agent.

Which method you use is up to you, but make sure you use nearly identical coverage limits for each comparison quote. If you have different coverage information it’s not possible to determine which rate is truly the best.

You may qualify for discounts

Auto insurance is not inexpensive, but there are discounts available that may help make it more affordable. Certain credits will be shown at the time you complete a quote, but occassionally some discounts must be manually applied before you get the savings.

  • Discount for New Cars – Insuring a vehicle that is new can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.
  • Early Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid monthly service charges.
  • Drive Less and Save – Keeping the miles down on your Mercury may enable drivers to earn discounted rates on garaged vehicles.
  • Discounts for Multiple Vehicles – Drivers who insure multiple cars on a single policy qualifies for this discount.
  • Distant Student Discount – College-age children living away from home attending college and won’t have access to an insured vehicle may qualify for this discount.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags can qualify for discounts of up to 25% or more.
  • Organization Discounts – Affiliation with a qualifying organization is a good way to get lower rates when getting a car insurance quote.
  • Homeowners Pay Less – Owning your own home or condo may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Accident Waiver – This isn’t a discount exactly, but some companies like Liberty Mutual, Allstate and State Farm will forgive one accident before your rates go up so long as you haven’t had any claims prior to being involved in the accident.

Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as comprehensive or collision. So when the math indicates you can get free auto insurance, it just doesn’t work that way.

If you would like to see a list of companies offering auto insurance discounts, click this link.

Lower your insurance premiums

Multiple criteria are considered when premium rates are determined. Some factors are common sense like your driving record, although some other factors are less obvious such as whether you are married or how safe your car is.

  • Limits of liability protection – The liability coverage on your policy provides coverage in the event that you are responsible for causing damage or personal injury in an accident. This coverage provides for a legal defense to defend your case. It is affordable coverage compared to other policy coverages, so insureds should have plenty of protection for their assets.
  • Vocation impacts insurance coverage rates – Careers such as real estate brokers, executives and stock brokers usually pay the highest rates because of high stress and incredibly demanding work hours. On the other hand, careers like actors, engineers and the unemployed pay the least for Mountaineer coverage.
  • Qualify for multi-policy discounts – Most insurance coverage companies give discounts for people that buy multiple policies. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. If you currently are using one company, it’s always a smart idea to compare rates to guarantee you are still saving the most.
  • Your address can push rates up or down – Being located in a small town is a positive aspect when buying insurance coverage. Residents of big cities have to deal with more aggressive driving styles and more time behind the wheel. Less people living in that area translates into fewer accident claims and lower theft and vandalism rates.
  • Careless drivers pay higher prices – Having a clean driving record has a big impact on rates. Just one ticket can bump up the cost twenty percent or more. Drivers who don’t get tickets pay lower auto insurance prices than their less careful counterparts. People who have severe violations like reckless driving or DUI may be required to maintain a SR-22 to the state department of motor vehicles in order to keep their license.
  • A lcoverage lapse is a bad thing – Not maintaining insurance can get you a ticket and your next policy will cost more because you let your insurance expire. And not only will insurance be more expensive, being ticketed for driving with no insurance could earn you fines and jail time. You may then have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.

There’s no such thing as the perfect insurance coverage policy

When it comes to choosing the best insurance coverage coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different.

For instance, these questions might help in determining if your insurance needs could use an agent’s help.

  • Is upholstery damage covered by car insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does car insurance cover theft of personal property?
  • Am I covered when driving on a suspended license?
  • Is a new car covered when I drive it off the dealer lot?
  • I have a DUI can I still get coverage?
  • Is my camper covered by my car insurance policy?
  • How do I insure my teen driver?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Car insurance coverages 101

Understanding the coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Collision coverages – This covers damage to your Mountaineer resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a mailbox, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Mercury Mountaineer.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverages – This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, a broken windshield, hitting a deer and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance – Liability coverage will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like funeral expenses, structural damage, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like EMT expenses, rehabilitation expenses, surgery and pain medications. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

In any little way, save everyday

Drivers who switch companies do it for a variety of reasons including poor customer service, denial of a claim, policy non-renewal and even questionable increases in premium. It doesn’t matter why you want to switch finding a new company can be pretty painless.

When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where someone dropped full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.

We just covered a lot of ways to lower your 2006 Mercury Mountaineer insurance rates. The key thing to remember is the more companies you get car insurance rates for, the better chance you’ll have of finding cheap car insurance. You may be surprised to find that the lowest rates come from a smaller regional carrier.

Much more information about insurance coverage is available on the following sites: