Compare 2003 Mercury Mountaineer Insurance Quotes

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 6, 2020

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Looking for better insurance rates for your Mercury Mountaineer? Searching for cheap insurance on the web can seem to be intimidating for consumers new to online price comaprisons. Because there are so many choices, how can consumers effectively compare the different rates to find the best pricing?

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. The purpose of this article is to introduce you to the best way to quote coverages and some tips to save money. Although consumers benefit from understanding how insurance companies market insurance on the web and apply this information to your search.

Lower rates by qualifying for discounts

Car insurance companies don’t list every available discount in a way that’s easy to find, so the following is a list of some of the more common and the harder-to-find savings tricks you should be using.

  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Life Insurance – Some companies give a discount if you purchase auto and life insurance together.
  • No Claims – Drivers with accident-free driving histories can earn big discounts compared to drivers who are more careless.
  • Student Driver Training – Require your teen driver to complete a driver education course in school.
  • Paperwork-free – Some insurance companies will give a small break just for signing your application on their website.
  • Club Memberships – Affiliation with a professional or civic organization could qualify you for a break on insurance on Mountaineer insurance.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you may save at least 10% off all policies.
  • Good Student – Getting good grades can get you a discount of up to 25%. The discount lasts up until you turn 25.

A little note about advertised discounts, most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, you’re out of luck.

For a list of insurers with the best insurance discounts, click here.

These factors can influence Mercury Mountaineer insurance rates

An important part of buying insurance is that you know the factors that come into play when calculating the price you pay for auto insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in better auto insurance rates.

The list below includes a partial list of the pieces used by your company to calculate premiums.

  • Poor credit can mean higher rates – A driver’s credit score is a important factor in determining your rates. People with high credit scores tend to be more responsible than drivers who have lower credit scores. So if your credit history is low, you could save money insuring your 2003 Mercury Mountaineer by improving your rating.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores are cheaper to insure. Safe vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Mercury is rated at least four stars on Safercar.gov you may qualify for a discount.
  • Pay less after the wedding – Having a wife or husband actually saves money on your auto insurance policy. Marriage means you’re more responsible and it’s proven that married couples file fewer claims.
  • Males pay more for insurance – Statistics show that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Men and women cause accidents at a similar rate, but the males have costlier accidents. They also get more serious tickets like reckless driving and DUI. Young males are several times more likely to be in an accident and are penalized with high auto insurance rates.

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Car insurance is unique, just like you

When choosing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions might point out whether you would benefit from professional advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered if I hit a deer?
  • Does medical payments coverage apply to all occupants?
  • What is the difference between comprehensive and collision coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Are rock chip repairs covered?
  • When can my company non-renew my policy?
  • What discounts do I qualify for?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Specific coverage details

Knowing the specifics of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like prosthetic devices, rehabilitation expenses, ambulance fees, nursing services and hospital visits. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hail damage and rock chips in glass. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability – This protects you from damages or injuries you inflict on a person or their property. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: 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 a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as medical expenses, funeral expenses, legal defense fees, bail bonds and pain and suffering. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Mercury Mountaineer.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Make an honest buck

The cheapest 2003 Mercury Mountaineer insurance is possible online as well as from independent agents, and you need to price shop both to have the best selection. Some insurance companies don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, never buy less coverage just to save a little money. There have been many situations where an insured dropped collision coverage only to find out that it was a big mistake. Your strategy should be to buy the best coverage you can find at the best price, not the least amount of coverage.

We covered a lot of tips how to save on insurance. The key concept to understand is the more you quote, the better your comparison will be. You may even find the best price on insurance is with some of the lesser-known companies.

More detailed insurance information can be read in these articles:

Use our FREE quote tool to compare rates now!

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