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2002 Mercury Mountaineer Insurance Rates

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

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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Average insurance rates for a 2002 Mercury Mountaineer are $906 a year for full coverage insurance. Comprehensive insurance costs an estimated $142 a year, collision insurance costs $160, and liability coverage costs $446. Buying a liability-only policy costs as little as $500 a year, and high-risk insurance costs $1,946 or more. Teen drivers receive the highest rates at up to $3,708 a year.

Annual premium for full coverage: $906

Rate estimates for 2002 Mercury Mountaineer Insurance

Comprehensive $142
Collision $160
Liability $446

Rate data is compiled from all 50 U.S. states and averaged for all 2002 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 the average driver, prices range range from as low as $500 for basic liability insurance to a high of $1,946 for a driver that may need high-risk insurance.

Liability Only $500
Full Coverage $906
High Risk $1,946

View Chart as Image

2002 Mercury Mountaineer insurance rates compared
Column chart showing 2002 Mercury Mountaineer insurance prices range from $561 to $3,708 for full coverage

These differences illustrate why it is important for drivers to compare rates for a targeted area 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 2002 Mercury Mountaineer Insurance

Searching Companies

Finding better insurance prices for a new or used Mercury Mountaineer can be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to compare insurance coverage rates and we’ll show you the quickest way to get price quotes for a new or used Mercury and locate the lowest price.

It’s smart to take a look at other company’s rates once or twice a year because rates are variable and change quite frequently. Even if you think you had the best rates for Mountaineer insurance a couple years back you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about insurance coverage on the web, but I’m going to show you some great ideas on how to slash your insurance coverage rates.

If you have insurance now or are just looking to switch companies, you can use this information to get lower rates while maintaining coverages. Shopping for more affordable auto insurance is simple if you know the tricks. Drivers just need to learn how to buy auto insurance on the web.

Do you qualify for a discount?

Companies that sell car insurance don’t always advertise all their discounts in a way that’s easy to find, so we break down both the well known as well as the least known savings tricks you should be using. If you aren’t receiving every discount available, you are paying more than you should be.

  • Club Memberships – Belonging to a civic or occupational organization is a good way to get lower rates on car insurance for Mountaineer insurance.
  • Discount for Good Grades – This discount can save 20 to 25%. The discount lasts until age 25.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • No Accidents – Good drivers with no accidents pay much less as compared to accident-prone drivers.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in school.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

Insurance companies who might offer some of the above discounts are:

Check with each company what discounts are available to you. All car insurance discounts might not be offered in your area.

What coverages do I need?

When buying the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different.

For example, these questions may help highlight whether you would benefit from professional advice.

  • Is a new car covered when I drive it off the dealer lot?
  • Do I need replacement cost coverage on my 2002 Mercury Mountaineer?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does insurance cover damages from a DUI accident?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is a fancy paint job covered?
  • What vehicles should carry emergency assistance coverage?
  • Does coverage extend to a rental car in a foreign country?
  • If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes 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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Ads can be misleading

Consumers constantly see and hear ads for the lowest price auto insurance by companies like Progressive, GEICO, Allstate and State Farm. All the companies make the same claim about savings if you switch to them.

But how can every company claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the driver that is profitable for them. An example of a profitable customer might be profiled as over the age of 50, insures multiple vehicles, and has a high credit rating. Any driver who matches those parameters gets the lowest rates and is almost guaranteed to save a lot of money.

Drivers who don’t measure up to these standards will be quoted higher rates and ends up with business going elsewhere. The ads state “customers that switch” not “everybody who quotes” save money. That’s the way companies can make those claims. This emphasizes why you need to get quotes from several different companies. It’s not possible to predict which company will give you the biggest savings on Mercury Mountaineer insurance.

Car insurance coverage breakdown

Understanding the coverages of a car insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Liability car insurance

Liability insurance can cover injuries or damage you cause to people or other property. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims such as court costs, repair costs for stationary objects, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Collision insurance

This will pay to fix damage to your Mountaineer resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like damaging your car on a curb, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses like hospital visits, nursing services, chiropractic care, X-ray expenses and prosthetic devices. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, hitting a deer, damage from flooding, a tree branch falling on your vehicle 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 your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Do the work, save more money

Lower-priced 2002 Mercury Mountaineer insurance can be sourced both online in addition to many insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

In this article, we covered some good ideas how you can save on insurance. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the best price on insurance coverage is with some of the lesser-known companies.

People switch companies for many reasons like delays in responding to claim requests, questionable increases in premium, delays in paying claims or not issuing a premium refund. Whatever your reason, finding a great new company is not as difficult as it may seem.

Even more information is available in these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2002 Mercury Mountaineer Insurance Rates by City
City Premium
New York City, NY $1,437
Los Angeles, CA $1,554
Philadelphia, PA $1,215
Jacksonville, FL $1,318
Phoenix, AZ $1,056
Chicago, IL $1,217
Houston, TX $1,425
Seattle, WA $885
Columbus, OH $757
Indianapolis, IN $773

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2002 Mercury Mountaineer Insurance Rates by Driver Age
Driver Age Premium
16 $3,708
20 $2,068
30 $920
40 $906
50 $834
60 $816

Full coverage, $500 deductibles

Rates by Deductible

2002 Mercury Mountaineer Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,038
$250 $980
$500 $906
$1,000 $838

Full coverage, driver age 40

Rates by Liability Limit

Mercury Mountaineer Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $906
50/100 $995
100/300 $1,107
250/500 $1,397
100 CSL $1,040
300 CSL $1,285
500 CSL $1,464

Full coverage, driver age 40

Rates for High Risk Drivers

2002 Mercury Mountaineer Insurance Rates for High Risk Drivers
Age Premium
16 $5,202
20 $3,292
30 $1,956
40 $1,946
50 $1,862
60 $1,842

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 $118

Potential Rate Discounts

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

Discount Savings
Multi-policy $45
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $52
5-yr Claim Free $56
Paid in Full/EFT $30
Advance Quote $38
Online Quote $60
Total Discounts $345
Rate after discounts $561

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

Find companies with the cheapest rates in your area

2002 Mercury Mountaineer Insurance Rates by State
State Premium
Alabama $824
Alaska $698
Arizona $754
Arkansas $906
California $1,036
Colorado $868
Connecticut $936
Delaware $1,030
Florida $1,136
Georgia $838
Hawaii $652
Idaho $612
Illinois $676
Indiana $684
Iowa $612
Kansas $864
Kentucky $1,242
Louisiana $1,346
Maine $562
Maryland $748
Massachusetts $728
Michigan $1,580
Minnesota $760
Mississippi $1,090
Missouri $804
Montana $976
Nebraska $716
Nevada $1,090
New Hampshire $656
New Jersey $1,018
New Mexico $804
New York $958
North Carolina $524
North Dakota $746
Ohio $626
Oklahoma $932
Oregon $832
Pennsylvania $868
Rhode Island $1,212
South Carolina $824
South Dakota $766
Tennessee $796
Texas $1,096
Utah $672
Vermont $624
Virginia $544
Washington $702
West Virginia $834
Wisconsin $630
Wyoming $812

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