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Mercury Mercury Mountaineer Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 6, 2020

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Looking for lower insurance coverage rates for your Mercury Mountaineer? Feel like you’re a prisoner to overpriced insurance coverage? Believe me, many consumers feel financially strained by their insurance coverage policy.

Because you have many choices of insurance companies, it’s difficult to find the most cost effective company.

The purpose of this article is to familiarize you with the best way to quote coverages. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. Although vehicle owners do need to understand how big insurance companies price insurance differently and take advantage of how the system works.

Mercury Mountaineer insurance rates consist of many parts

It’s important that you understand the factors that go into determining the price you pay for auto insurance. Knowing what controls the rates you pay allows you to make educated decisions that may reward you with much lower annual insurance costs.

Listed below are a partial list of the pieces companies use to determine rates.

  • Your credit rating is important – A driver’s credit history is a big factor in determining what you pay for auto insurance. So if your credit score is not that good, you could potentially save money when insuring your 1997 Mercury Mountaineer by improving your rating. Drivers with good credit tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
  • Men pay higher rates – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women are in accidents in similar numbers, but the men cause more damage. Men also statistically get more serious tickets such as reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
  • With age comes lower rates – Teen drivers tend to be more careless in a vehicle so auto insurance rates are higher. Mature drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Bundling policies can get discounts – The majority of auto insurance companies will give a discount to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount, you still need to shop around to confirm you are receiving the best rates possible. Consumers may find better rates by splitting coverages up.
  • Your stress level may be raising your rates – Careers like judges, executives and stock brokers have the highest rates attributed to job stress and lengthy work days. On the other hand, occupations such as scientists, students and the unemployed get better rates on Mountaineer insurance.

Quick Insurance Quotes

There are a lot of ways to compare insurance prices and some are less time-consuming than others. You could waste time driving to agents in your area, or you could save time and use the web to get pricing more quickly.

Most major companies take part in a program where insurance shoppers enter their policy data once, and at least one company provides a quote based on that information. This saves time by eliminating quote requests for every insurance company. To fill out one form to compare multiple rates now click here to start a free quote.

The only drawback to using this type of form is that consumers can’t choose which companies you will receive quotes from. If you would rather choose from a list of companies to compare prices, we have a listing of low cost insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you are comparing apples-to-apples coverage limits and deductibles with each company. If you are comparing mixed coverages it will be very difficult to determine which rate is truly the best. Just a small difference in coverages can result in a big premium difference. Keep in mind that comparing more company’s prices helps locate a lower rate.

Save $469 a year. For real?

Progressive, GEICO, Allstate and State Farm continually stream television and radio advertisements. All the companies say the same thing that you’ll save big after switching your policy. How can each company make the same claim? This is how they do it.

All the different companies are able to cherry pick for the type of customer that earns them a profit. An example of a profitable customer might be over the age of 50, has no prior claims, and has excellent credit. Any driver who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Potential insureds who don’t qualify for these standards will have to pay higher prices and this can result in the driver buying from a lower-cost company. The ads say “drivers who switch” not “everyone that quotes” save money. That’s why companies can make those claims.

Because of the profiling, drivers must get a wide range of price quotes. It’s just too difficult to predict which company will provide you with the cheapest Mercury Mountaineer insurance rates.

More discounts equal less premium

Insurance can cost an arm and a leg, but there are discounts available that you may not even be aware of. Some trigger automatically at the time you complete a quote, but lesser-known reductions have to be specifically requested before they will apply.

  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% on Mountaineer insurance depending on your company.
  • Accident Free – Drivers who don’t have accidents pay much less as compared to frequent claim filers.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Own a Home – Being a homeowner can save you money because owning a home demonstrates responsibility.
  • Early Switch Discount – Select companies give a discount for switching to them before your current policy expires. It’s a savings of about 10%.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way. But any discount will cut the cost of coverage.

Free Auto Insurance Comparison

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To see a list of companies with discount insurance rates, click this link.

It’s not one size fits all

When choosing adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For instance, these questions might point out if your situation might need professional guidance.

  • Will my rates increase for filing one claim?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my 1997 Mercury Mountaineer covered for smoke damage?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when driving on a suspended license?
  • Should I buy full coverage?
  • Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

Information about specific coverages

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by auto insurance companies.

Coverage for collisions

This coverage will pay to fix damage to your Mountaineer from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, hitting a mailbox, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, hail damage and theft. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 1997 Mercury Mountaineer.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like rehabilitation expenses, nursing services, EMT expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Liability insurance

Liability insurance provides protection from damage or injury you incur to other people or property by causing an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like funeral expenses, repair bills for other people’s vehicles, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Power to the consumer

Lower-priced 1997 Mercury Mountaineer insurance is possible from both online companies and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some auto insurance companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

In this article, we presented some good ideas how to get a better price on insurance. It’s most important to understand that the more you quote, the better likelihood of reducing your rate. Consumers may even find the best prices are with some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

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