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2000 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: Nov 18, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Average insurance rates for a 2000 Mercury Mountaineer are $890 a year for full coverage insurance. Comprehensive costs on average $138, collision insurance costs $152, and liability coverage costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs around $1,906. Teen drivers receive the highest rates at up to $3,648 a year.

Annual premium for full coverage: $890

Rate estimates for 2000 Mercury Mountaineer Insurance

Comprehensive $138
Collision $152
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2000 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

For a 40-year-old driver, prices range range from as low as $496 for basic liability insurance to the much higher price of $1,906 for high-risk insurance.

Liability Only $496
Full Coverage $890
High Risk $1,906

View Chart as Image

2000 Mercury Mountaineer insurance rates compared
Column chart showing 2000 Mercury Mountaineer insurance prices range from $553 to $3,648 for full coverage

These differences illustrate why everyone should 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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2000 Mercury Mountaineer Insurance

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Looking for the cheapest auto insurance rates? Shoppers have lots of choices when shopping for low-cost Mercury Mountaineer insurance. You can either spend your time struggling with agents to compare prices or save time using the internet to make rate comparisons.

There are both good and bad ways to buy auto insurance and we’ll show you the best way to price shop coverage for a new or used Mercury and locate the lowest possible price either online or from local insurance agents.

You need to shop coverage around at least once a year due to the fact that insurance rates tend to go up over time. Despite the fact that you may have had the best rates on Mountaineer insurance on your last policy you can probably find a lower rate today. So ignore everything you know about auto insurance because you’re going to get a crash course in the fastest and easiest way to properly buy coverages and cut your premium.

If you have insurance now or need new coverage, you can use these techniques to get lower rates while maximizing coverage. This information will introduce you to the most effective way to quote insurance and some money-saving tips. Drivers just need to understand the most efficient way to buy car insurance online.

These discounts can lower your rates

Insurance can cost an arm and a leg, but you can get discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but a few need to be requested specifically before you get the savings. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • No Claims – Claim-free drivers pay less when compared with accident-prone drivers.
  • Drivers Education – Require your teen driver to complete a driver education course if offered at their school.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off on Mountaineer insurance with certain companies.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts could cut 10% or more off the personal injury premium cost.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way. But all discounts will help reduce the amount you have to pay.

Companies that may have these benefits include:

  • State Farm
  • American Family
  • GEICO
  • 21st Century
  • Progressive

Before buying, ask each insurance company which discounts you may be entitled to. Some discounts may not be available everywhere.

Why you might be paying too much to insure your Mercury Mountaineer

It’s important that you understand some of the elements that help determine the price you pay for insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that can help you get better insurance rates.

The following are some of the factors used by your company to calculate your rates.

  • Older drivers pay less – Older drivers tend to be more responsible, tend to file fewer claims and receive fewer citations. Teenage drivers are known to be careless and easily distracted behind the wheel therefore insurance rates are much higher.
  • How many coverages with the same company – Some insurers will award you with lower prices to insureds who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to compare other company rates to ensure the best deal. Drivers may still find better rates by buying insurance from a different company.
  • Battle of the sexes – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. They both tend to get into accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations such as reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high insurance rates.
  • Pleasure use saves money – The higher the mileage driven in a year the higher your rates will be. The majority of insurers apply a rate determined by how the vehicle is used. Cars and trucks that are left in the garage qualify for better rates than those used for commuting. An improperly rated Mountaineer may be costing you. Verify your insurance declarations sheet properly reflects the correct usage for each vehicle.
  • A clean driving record saves money – Whether or not you get tickets impacts your car insurance rates tremendously. Only having one speeding ticket can boost insurance rates by twenty percent. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with the DMV in their state in order to keep their license.
  • Your car’s features help determine rates – Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.

Different people need different coverages

When it comes to choosing the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions might point out if your insurance needs might need an agent’s assistance.

  • Should I have a commercial auto policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered if I hit a deer?
  • Is a blown tire covered by insurance?
  • Do I need PIP coverage since I have good health insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I buy only the required minimum liability coverage?
  • What can I do if my company won’t pay a claim?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Insurance coverage basics

Having a good grasp of insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as nursing services, dental work, prosthetic devices and hospital visits. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance – Liability coverage provides protection from damage or injury you incur to people or other property. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like attorney fees, structural damage, court costs, funeral expenses and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Collision coverage – This covers damage to your Mountaineer resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sideswiping another vehicle, damaging your car on a curb, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – This covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, a tree branch falling on your vehicle, damage from getting keyed, rock chips in glass and theft. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Mercury Mountaineer.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

One last thing about your coverage

Budget-conscious 2000 Mercury Mountaineer insurance is available online as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies don’t offer online price quotes and most of the time these small insurance companies sell through independent agents.

When trying to cut insurance costs, do not buy less coverage just to save a little money. In many instances, an insured dropped comprehensive coverage or liability limits only to find out that the savings was not a smart move. The aim is to buy a smart amount of coverage at the best price.

Insureds leave their current company for a variety of reasons including lack of trust in their agent, poor customer service, high rates after DUI convictions or extreme rates for teen drivers. No matter why you want to switch, finding a great new company is not as difficult as it may seem.

Additional car insurance information is located at the links below

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2000 Mercury Mountaineer Insurance Rates by City
City Premium
New York City, NY $1,410
Los Angeles, CA $1,524
Philadelphia, PA $1,193
Jacksonville, FL $1,292
Phoenix, AZ $1,036
Chicago, IL $1,195
Houston, TX $1,396
Seattle, WA $869
Columbus, OH $748
Indianapolis, IN $757

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2000 Mercury Mountaineer Insurance Rates by Driver Age
Driver Age Premium
16 $3,648
20 $2,028
30 $902
40 $890
50 $818
60 $800

Full coverage, $500 deductibles

Rates by Deductible

2000 Mercury Mountaineer Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,014
$250 $960
$500 $890
$1,000 $822

Full coverage, driver age 40

Rates by Liability Limit

Mercury Mountaineer Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $890
50/100 $978
100/300 $1,089
250/500 $1,376
100 CSL $1,023
300 CSL $1,266
500 CSL $1,443

Full coverage, driver age 40

Rates for High Risk Drivers

2000 Mercury Mountaineer Insurance Rates for High Risk Drivers
Age Premium
16 $5,112
20 $3,228
30 $1,914
40 $1,906
50 $1,824
60 $1,804

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $116

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $44
Multi-vehicle $47
Homeowner $16
5-yr Accident Free $50
5-yr Claim Free $54
Paid in Full/EFT $30
Advance Quote $37
Online Quote $59
Total Discounts $337
Rate after discounts $553

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2000 Mercury Mountaineer Insurance Rates by State
State Premium
Alabama $806
Alaska $684
Arizona $740
Arkansas $890
California $1,016
Colorado $852
Connecticut $916
Delaware $1,008
Florida $1,114
Georgia $822
Hawaii $640
Idaho $604
Illinois $664
Indiana $670
Iowa $600
Kansas $846
Kentucky $1,216
Louisiana $1,320
Maine $548
Maryland $736
Massachusetts $714
Michigan $1,548
Minnesota $746
Mississippi $1,066
Missouri $790
Montana $958
Nebraska $702
Nevada $1,068
New Hampshire $642
New Jersey $996
New Mexico $790
New York $940
North Carolina $514
North Dakota $728
Ohio $618
Oklahoma $916
Oregon $816
Pennsylvania $852
Rhode Island $1,190
South Carolina $806
South Dakota $752
Tennessee $782
Texas $1,074
Utah $660
Vermont $610
Virginia $534
Washington $690
West Virginia $816
Wisconsin $618
Wyoming $794

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