2001 Mercury Mountaineer Insurance Rates
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UPDATED: Mar 6, 2020
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Average insurance rates for a 2001 Mercury Mountaineer are $890 a year for full coverage insurance. Comprehensive insurance costs on average $138, collision costs $152, and liability costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing $1,906 or more. Teenage drivers receive the highest rates at $3,648 a year or more.
Annual premium for full coverage: $890
Rate estimates for 2001 Mercury Mountaineer Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2001 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 driver in their 40's, prices range go from as low as $496 for the bare minimum liability coverage to the much higher price of $1,906 for a driver who has had serious violations or accidents.
These differences illustrate why everyone should compare rates based on a specific location and risk profile, instead of using average rates.
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 2001 Mercury Mountaineer Insurance
Consumers have a choice when looking for low-cost Mercury Mountaineer insurance. You can either waste hours driving around trying to get quotes or use the internet to make rate comparisons.
There is a better way to find car insurance online so you’re going to learn the absolute fastest way to quote coverages for a new or used Mercury and find the cheapest rates from local insurance agents and online providers.
It’s a great practice to do rate comparisons periodically because rates trend upward over time. Even if you got the lowest rates for Mountaineer insurance two years ago you can probably find a better price now. You’ll find quite a bit of inaccurate information about car insurance online, so I’m going to show you a lot of great tips on how to stop overpaying for insurance.
Low Cost Insurance
Getting a lower price on 2001 Mercury Mountaineer insurance doesn’t have to be difficult. The only thing you need to do is spend a little time to compare quotes from different insurance companies. This can be done in several different ways.
The recommended way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do multiple quote forms to each individual insurance company. Filling out one form gets rate comparisons from insurance companies with the best prices. Just one form and you’re done.
A harder way to get quotes online requires visiting the website for each individual company and fill out their own quote form. For example, let’s assume you want to compare Liberty Mutual, Farmers and State Farm. You would have to spend time on each company’s site and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
The least efficient method to get comparison rates is driving to and from local insurance agencies. The internet can eliminate the need for a local agent unless you prefer the trained guidance only provided by licensed agents. However, consumers can get the lowest quotes online but buy from a local insurance agent and we’ll cover that in a bit.
It’s up to you which method you use, but compare apples-to-apples quote information on every quote you get. If you use mixed coverages it will be next to impossible to make a fair comparison for your Mercury Mountaineer.
Mercury Mountaineer rates are in the details
An important part of buying insurance is that you know the rating factors that play a part in calculating the rates you pay for insurance coverage. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to big savings.
Shown below are a few of the “ingredients” companies use to determine prices.
- Your occupation can affect rates – Did you know your job can affect your rates? Careers like judges, social workers and accountants tend to have higher rates than average attributed to job stress and lots of time spent at work. On the flip side, jobs such as farmers, athletes and homemakers receive lower rates for Mountaineer insurance.
- Liability coverage protects you – Liability coverage is the coverage that protects you if you are found to be at fault for damages from an accident. It provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
- One company can mean more discounts – Most insurance companies will award you with lower prices to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to shop around to verify if the discount is saving money. You may still be able to find better rates by splitting coverages up.
- Discounts for married couples – Having a spouse helps lower the price on insurance coverage. Marriage means you’re more responsible and it’s statistically proven that married couples file fewer claims.
- Policy add-ons can waste money – There are many add-on coverages that you can get tricked into buying when buying insurance coverage. Coverages like personal injury protection, accidental death and term life insurance may be wasting your money. These may sound like a good investment when you first buy your policy, but if they’re wasting money get rid of them and save.
- Your age impacts your rates – Young drivers are known to be careless and easily distracted behind the wheel so they pay higher insurance coverage rates. Having to add a teenage driver onto a policy can break the bank. Older drivers are more cautious drivers, tend to file fewer claims and are safer drivers.
Discounts can save BIG
The price of auto insurance can be rather high, but you can get discounts to help offset the cost. Most are applied when you purchase, but less common discounts must be asked about before you get the savings. If they aren’t giving you every credit possible, you are paying more than you should be.
- New Car Discount – Insuring a new car can be considerably cheaper compared to insuring an older model.
- Federal Employees – Simply working for the federal government can save as much as 8% for Mountaineer insurance with certain companies.
- Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums for Mountaineer insurance.
- Driver’s Ed – Require your teen driver to take driver’s ed class in school.
- Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
- Drive Less and Save – Keeping the miles down on your Mercury can earn a substantially lower rate.
- Accident Waiver – Certain 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.
- Homeowners Discount – Owning a house may earn you a small savings because owning a home shows financial diligence.
- No Accidents – Good drivers with no accidents pay less when compared to accident-prone drivers.
- Multi-policy Discount – When you have multiple policies with the same company you may save 10% to 20% off each policy.
A little note about advertised discounts, most credits do not apply the whole policy. Most only cut individual premiums such as comp or med pay. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will bring down your premiums.
For a list of insurance companies with discount auto insurance rates, follow this link.
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Will just any policy work for me?
When it comes to buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.
These are some specific questions might help in determining whether you would benefit from professional advice.
- Is borrowed equipment or tools covered if stolen or damaged?
- What are the financial responsibility laws in my state?
- When would I need additional glass coverage?
- Am I covered when driving in Canada or Mexico?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Should I bundle my homeowners policy with my auto?
- Do I need higher collision deductibles?
- Is my Mercury Mountaineer covered if I use it for business?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.
Learn about car insurance coverages for a Mercury Mountaineer
Learning about specific coverages of a car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Coverage for collisions
This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims like rolling your car, damaging your car on a curb, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.
Liability car insurance
This provides protection from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.
Liability coverage protects against claims like loss of income, medical services, court costs, bail bonds and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for bills for EMT expenses, ambulance fees, rehabilitation expenses and pain medications. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance
This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Mercury Mountaineer.
Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.
Comprehensive coverage (or Other than Collision)
This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as rock chips in glass, fire damage, hitting a bird, vandalism and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Do the work, save more money
When shopping online for insurance coverage, it’s very important that you do not buy poor coverage just to save money. In many instances, consumers will sacrifice comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at the best price, not the least amount of coverage.
Discount 2001 Mercury Mountaineer insurance is definitely available from both online companies in addition to many insurance agents, so compare prices from both to have the best rate selection. A few companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.
People who switch companies do it for a variety of reasons including not issuing a premium refund, delays in paying claims, questionable increases in premium and even an unsatisfactory settlement offer. It doesn’t matter why you want to switch switching insurance coverage companies is not as hard as you think.
More learning opportunities
- Understanding Your Insurance Deductible (Insurance Information Insitute)
- A Tree Fell on Your Car: Now What? (Allstate)
- Five Tips to Save on Auto Insurance (Insurance Information Insitute)
- Frontal Crash Tests (iihs.org)
Rates by U.S. City
|New York City, NY||$1,410|
|Los Angeles, CA||$1,524|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$50|
|5-yr Claim Free||$54|
|Paid in Full/EFT||$30|
Discounts are estimated and may not be available from every company or in every state.