Cheapest 1999 Mercury Mountaineer Insurance Rates in 2023
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UPDATED: Jun 2, 2023
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Trying to find better car insurance rates for your Mercury Mountaineer? Having to pay for overpriced Mercury Mountaineer insurance can empty your personal savings and put a big crunch on your finances. Comparing price quotes is a great way to lower your monthly bill.
Insurance companies such as GEICO and Progressive all promote huge savings with catchy ads and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.
If you have car insurance now, you will most likely be able to reduce your rates substantially using these tips. Finding affordable coverage is easy if you know what you’re doing. Although consumers need to have an understanding of the way insurance companies sell insurance online and apply this information to your search.
The quickest method we recommend to compare rate quotes is to know the fact most larger insurance companies provide online access to give you rate quotes. All consumers are required to do is give them some information like marital status, the type of vehicles you drive, how much education you have, and your job. Your insurance information is instantly provided to many different companies and they return cost estimate instantly to find the best rate.
Get lower rates on 1999 Mercury Mountaineer insurance
Auto insurance companies don’t always publicize every discount very clearly, so we break down both well-publicized and the more hidden discounts you could be receiving.
- Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
- Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
- Defensive Driver – Taking a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
- Multiple Cars – Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
- Early Switch Discount – A few companies offer discounts for switching policies before your current policy expires. It’s a savings of about 10%.
It’s important to understand that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like you can get free auto insurance, it just doesn’t work that way.
Insurance companies that possibly offer these benefits include:
Double check with each insurance company which discounts you may be entitled to. All car insurance discounts may not apply everywhere.
Tailor your coverage to you
When it comes to buying coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions could help you determine whether you may require specific advice.
- How high should my uninsured/underinsured coverage be in my state?
- Should I bundle my homeowners policy with my auto?
- Should I get collision insurance on every vehicle?
- Is my nanny covered when driving my vehicle?
- Are my tools covered if they get stolen from my vehicle?
- What is covered by UM/UIM coverage?
- What is an SR-22 filing?
- Is upholstery damage covered by car insurance?
- Should I sign the liability waiver when renting a car?
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.
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Car insurance 101
Knowing the specifics of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average insurance policy.
Collision – This will pay to fix damage to your Mountaineer resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things such as rolling your car, colliding with a tree, 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. Another option is to raise the deductible to save money on collision insurance.
Auto liability – Liability coverage will cover damage that occurs to other’s property or people in an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability insurance covers things like loss of income, funeral expenses and medical services. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.
Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from 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 can pay for things like hitting a deer, rock chips in glass, theft, damage from getting keyed and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like chiropractic care, dental work, pain medications and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible
UM/UIM Coverage – Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Frequently Asked Questions
How can I find the cheapest insurance for my 1999 Mercury Mountaineer?
Finding the cheapest insurance for your 1999 Mercury Mountaineer requires some research and comparison. Here are a few steps you can follow:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
- Consider your coverage needs: Determine the level of coverage you require and select a policy that meets those needs while keeping costs low.
- Raise your deductible: Increasing your deductible can lower your insurance premium. However, make sure you can afford to pay the higher deductible in case of an accident.
- Look for discounts: Inquire about any available discounts such as safe driver discounts or bundling discounts for insuring multiple vehicles with the same company.
- Maintain a clean driving record: A history of safe driving can help reduce your insurance premium.
- Drive fewer miles: If you limit your annual mileage, you may be eligible for lower rates.
Are there any specific insurance providers that offer cheaper rates for a 1999 Mercury Mountaineer?
Insurance rates can vary depending on various factors, including the insurance provider and your personal circumstances. It is recommended to request quotes from multiple insurance companies to compare rates and coverage options specific to your 1999 Mercury Mountaineer. Some well-known insurance providers often offer competitive rates, such as GEICO, Progressive, State Farm, and Allstate. However, rates can differ based on location and individual factors, so it’s essential to shop around.
What factors can affect the insurance rates for a 1999 Mercury Mountaineer?
Several factors can influence the insurance rates for a 1999 Mercury Mountaineer, including:
- Age and driving experience of the primary driver
- Location (urban areas may have higher rates due to increased risk)
- Annual mileage
- Vehicle usage (personal or business)
- Insurance coverage limits and deductibles chosen
- Driving history and any previous claims
- Credit score (in some states and countries)
- Safety features and anti-theft devices installed in the vehicle
Is it worth purchasing comprehensive and collision coverage for a 1999 Mercury Mountaineer?
The decision to purchase comprehensive and collision coverage for your 1999 Mercury Mountaineer depends on your individual circumstances and preferences. Here are some factors to consider:
- Vehicle value: If your Mountaineer has a low market value, the cost of comprehensive and collision coverage may outweigh the potential benefits.
- Financial situation: Can you comfortably afford to repair or replace your vehicle out of pocket if it gets damaged or totaled?
- Risk tolerance: If you want to minimize your out-of-pocket expenses in case of an accident or theft, comprehensive and collision coverage can provide added protection.
Are there any specific considerations for insuring an older vehicle like a 1999 Mercury Mountaineer?
Insuring an older vehicle like a 1999 Mercury Mountaineer may require some additional considerations:
- Actual cash value: Older vehicles may have a lower market value, so it’s important to consider whether it’s worth paying for comprehensive and collision coverage.
- Maintenance and repairs: Older vehicles may require more frequent maintenance and repairs, which can influence insurance rates. Consider choosing coverage that includes mechanical breakdown or extended warranty options.
- Safety features: Upgrading safety features, such as anti-lock brakes or an alarm system, may result in lower insurance premiums.
- Antique or classic classification: If your 1999 Mercury Mountaineer meets specific criteria for being an antique or classic vehicle, there may be specialized insurance options available.
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