1998 Mercury Mountaineer Insurance Rates

Average insurance rates for a 1998 Mercury Mountaineer are $890 a year including full coverage. Comprehensive costs on average $138 a year, collision costs $152, and liability coverage costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing around $1,906. Teen drivers receive the highest rates at $3,648 a year or more.

Annual premium for full coverage: $890

Rate estimates for 1998 Mercury Mountaineer Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 1998 Mercury Mountaineer models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

View Chart as Image

These differences highlight why it is important for drivers to compare rates based on a specific location and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Finding and buying car insurance is not a procedure drivers love to do, but unfortunately it’s required for every vehicle.

If you are paying for car insurance now, you should be able to cut costs considerably using these methods. The purpose of this article is to instruct you on how to get online quotes and some tips to save money. But vehicle owners benefit from understanding the methods companies use to price insurance differently.

Mercury Mountaineer rates are complex

An important part of buying insurance is that you know the factors that go into determining insurance coverage rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get big savings.

Listed below are some of the factors used by your company to calculate your rates.

• Drive less and save money – The more miles you rack up on your Mercury each year the higher your rate. The majority of insurers rate vehicles based on their usage. Vehicles that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your insurance coverage policy shows how each vehicle is driven, because it can save money. If your policy improperly rates your Mountaineer can result in significantly higher rates.
• High credit ratings translate to low rates – A driver’s credit rating is a huge factor in determining what you pay for insurance coverage. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with lower credit scores. If your credit rating can use some improvement, you could save money insuring your 1998 Mercury Mountaineer by improving your rating.
• Your stress level may be raising your rates – Occupations like real estate brokers, executives and accountants are shown to have higher rates than average due to high stress and lengthy work days. On the flip side, occupations like farmers, athletes and the unemployed pay the least on Mountaineer insurance.
• Where you live can impact rates – Residing in small towns and rural areas has it’s advantages when buying insurance coverage. City drivers have congested traffic and longer commutes to work. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft.
• Women pay lower rates – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Women and men are in accidents at a similar rate, but the male of the species cause more damage. Men also tend to get more serious tickets like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.

Discounts are basically free money

Properly insuring your vehicles can get expensive, but there could be available discounts to help offset the cost. Larger premium reductions will be automatically applied at the time you complete a quote, but a few need to be asked about before you will receive the discount.

• Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
• Defensive Driving Course – Completing a driver safety course could cut 5% off your bill if your company offers it.
• College Student – Youth drivers who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
• Payment Method – If you pay your bill all at once instead of paying each month you could save up to 5%.
• Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last until age 25.
• Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
• No Charge for an Accident – A few companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
• Senior Citizens – If you’re over the age of 55, you may receive better car insurance rates on Mountaineer insurance.
• Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
• Government Employees – Active or retired federal employment can earn a discount up to 10% on Mountaineer insurance depending on your company.

Drivers should understand that most discounts do not apply the whole policy. The majority will only reduce specific coverage prices like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will help reduce your overall premium however.

Companies who might offer these benefits may include but are not limited to:

• Esurance
• The Hartford
• AAA
• GEICO
• State Farm

Check with every prospective company how you can save money. All car insurance discounts might not apply in your state.

Which insurance is the “right” coverage?

When choosing adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions may help highlight whether or not you may require specific advice.

• Should I have a commercial auto policy?
• Do I really need UM/UIM coverage?
• Is my cargo covered for damage or theft?
• Do I need roadside assistance coverage?
• Why do I only qualify for high-risk insurance?
• How much liability do I need to cover my assets?
• How does medical payments coverage work?
• Should I buy only the required minimum liability coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Insurance coverage basics

Understanding the coverages of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses for pain medications, funeral costs and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto collision coverage

This pays for damage to your Mountaineer caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

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

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Auto liability insurance

This coverage will cover damage or injury you incur to people or other property by causing an accident. It protects you against other people’s claims. Liability doesn’t 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. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like emergency aid, funeral expenses, loss of income, attorney fees and medical expenses. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, fire damage and rock chips in glass. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Buy Smart and Save

Discount 1998 Mercury Mountaineer insurance can be bought on the web in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. Some car insurance companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When shopping online for car insurance, you should never buy less coverage just to save a little money. In too many instances, someone dropped liability limits or collision coverage only to find out they didn’t have enough coverage. Your strategy should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Insureds switch companies for many reasons like lack of trust in their agent, policy cancellation, high prices or even delays in responding to claim requests. No matter why you want to switch, finding the right car insurance provider is easier than you think.

More tips and info about car insurance is available in these articles:

• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• Airbag FAQ (iihs.org)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)

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