Mercury Mercury Mountaineer Insurance Rates
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UPDATED: Mar 6, 2020
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Overwhelmed by the crazy number of insurance options? You’re not alone. Consumers have so many companies to choose from that it can quickly become a lot of work to find the lowest price.
These factors can influence what you pay for Mercury Mountaineer insurance
Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in big savings.
- Adjust deductibles and save – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Mercury. A few examples of covered claims are collision with another vehicle, damage from fire, or theft. Deductibles for physical damage are how much you are willing to pay in the event of a claim. The more expense you have to pay, the bigger discount you will receive for Mountaineer insurance.
- Save money with special equipment – Owning a car with a theft deterrent system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.
- Rural vs Urban Areas – Being located in small towns and rural areas is a positive aspect when insuring your vehicles. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims.
- Careful drivers pay lower rates – A bad driving record has a lot to do with how much you pay for insurance. Good drivers tend to pay less for car insurance compared to drivers with tickets. Just one ticket can increase rates by twenty percent. If you have flagrant violations like DWI, reckless driving or hit and run convictions may find they need to file a SR-22 to the state department of motor vehicles in order to keep their license.
- Choose a safe vehicle and save – Vehicles with high crash test scores get lower rates. Safer cars protect occupants better and fewer injuries means lower claim amounts and lower rates for you. If your Mercury scored better than four stars on Safercar.gov you are probably receiving a discount.
Cut your insurance rates with discounts
Auto insurance companies don’t list all their discounts very well, so here is a list both well-publicized as well as the least known savings tricks you should be using.
- New Car Discount – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
- Fewer Miles Equal More Savings – Low mileage vehicles can qualify you for better rates on cars that stay parked.
- Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
- Federal Employees – Simply working for the federal government can earn a discount up to 10% for Mountaineer insurance depending on your company.
- Driver Safety – Successfully completing a driver safety course could save 5% or more depending on where you live.
It’s important to understand that many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like you could get a free insurance policy, you’re out of luck.
Insurance companies who might offer these benefits are:
Before buying, ask each insurance company which discounts they offer. Savings may not be available everywhere.
You are unique and your car insurance should be too
When it comes to buying adequate coverage, there really is not a “perfect” insurance plan. Every situation is different.
Here are some questions about coverages that may help you determine if your situation would benefit from an agent’s advice.
- What if I owe more than I can insure my car for?
- Do I pay less for low miles?
- Can my babysitter drive my car?
- How do I buy GAP insurance?
- What are the financial responsibility laws in my state?
- Does coverage extend to my business vehicle?
If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form.
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Insurance coverage specifics
Understanding the coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.
Comprehensive insurance – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as damage from getting keyed, vandalism, a tree branch falling on your vehicle, falling objects and fire damage. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like rehabilitation expenses, chiropractic care, doctor visits, funeral costs and prosthetic devices. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.
Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Collision coverage – Collision insurance pays for damage to your Mountaineer from colliding with another car or object. A deductible applies then your collision coverage will kick in.
Collision insurance covers things like driving through your garage door, crashing into a ditch, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.
Liability – This will cover damages or injuries you inflict on other’s property or people that is your fault. It protects you from claims by other people. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage pays for things such as medical services, loss of income, funeral expenses, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.
Be Smart and Buy Smart
In this article, we presented quite a bit of information on how to lower your 2005 Mercury Mountaineer insurance rates. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising.
When shopping online for insurance, do not reduce needed coverages to save money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.
Cheaper insurance can be found on the web and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.
More detailed insurance information is located by following these links:
- Teen Driving Statistics (GEICO)
- Car Insurance: When not to Skimp (BankRate.com)
- Understanding Limits and Deductibles (Allstate)
- Teen Driver Statistics (Insurance Information Insitute)
- Shopping for a Safe Car (Insurance Information Insitute)
- Safety Features for Your New Car (State Farm)
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