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2006 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: Mar 6, 2020

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Average insurance rates for a 2006 Mercury Mountaineer are $1,000 a year including full coverage. Comprehensive insurance costs an estimated $166, collision insurance costs $202, and liability insurance costs around $474. Buying a liability-only policy costs as low as $522 a year, and high-risk insurance costs $2,146 or more. Teenage drivers receive the highest rates at up to $4,028 a year.

Annual premium for full coverage: $1,000

Rate estimates for 2006 Mercury Mountaineer Insurance

Comprehensive $166
Collision $202
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2006 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 $522 for just liability insurance to the much higher price of $2,146 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,000
High Risk $2,146

View Chart as Image

2006 Mercury Mountaineer insurance rates compared
Column chart showing 2006 Mercury Mountaineer insurance prices range from $610 to $4,028 for full coverage

These differences highlight why everyone should compare prices for a targeted area and risk profile, rather than relying on 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 2006 Mercury Mountaineer Insurance

Searching Companies

Looking for the cheapest auto insurance rates for your Mercury Mountaineer? Sick and tired of trying to scrape together enough money to insure your Mercury every month? You are no different than many other consumers. Insurance companies such as GEICO, Farmers Insurance and State Farm persitently shower you with fancy advertisements and consumers find it hard to see through the deception and take the time to shop coverage around.

The most recommended method to compare car insurance company rates utilizes the fact most insurance companies have advanced systems to give rate comparisons. The only thing you need to do is provide information such as if you went to college, whether you are married, your general credit rating, and if you have a valid license. Your insurance information is instantly sent to multiple different insurance companies and you will receive price estimates instantly.

Don’t miss these discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not even be aware of. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be specifically requested before they will apply. If you’re not getting every credit available, you’re just leaving money on the table.

  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance.
  • Payment Method – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Homeowners Discount – Owning a home can save you money because maintaining a house shows financial diligence.
  • Safety Course Discount – Taking part in a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Sign Online – A few companies will give a small break simply for signing over the internet.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only cut the cost of specific coverages such as comp or med pay. So when the math indicates you can get free auto insurance, car insurance companies aren’t that generous. Any amount of discount will cut your overall premium however.

For a list of insurers offering car insurance discounts, click here to view.

When might I need help?

When it comes to choosing adequate coverage, there really is no one size fits all plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions can aid in determining whether or not you may require specific advice.

  • Why is insurance for a teen driver so high?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered when driving a rental car?
  • If I drive on a suspended license am I covered?
  • When should I buy a commercial auto policy?
  • Am I covered when driving in Canada or Mexico?
  • Do I pay less if my vehicle is kept in my garage?
  • What if I don’t agree with a claim settlement offer?
  • Do I need motorclub coverage?
  • Which companies will insure high-risk drivers?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Free Auto Insurance Comparison

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

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Why your Mercury Mountaineer might be costing you more

Smart consumers have a good feel for the rating factors that go into determining the price you pay for auto insurance. Understanding what influences your rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Younger drivers pay higher rates – Older insureds are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel. Young drivers tend to get distracted easily when behind the wheel therefore auto insurance rates are much higher.
  • High deductibles save money – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Mercury. A few examples of covered claims are colliding with a building, damage from fire, and windstorm damage. Your deductibles are how much you are willing to pay before your auto insurance pays a claim. The more you have to pay, the less your auto insurance will be for Mountaineer coverage.
  • Sex matters – Statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. They both are in accidents in similar percentages, but men have costlier accidents. Men also get more serious tickets such as reckless driving. Youthful male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
  • Better credit scores mean better rates – Having a bad credit score is a important factor in determining what you pay for auto insurance. People with excellent credit tend to be more responsible than those with lower credit ratings. Therefore, if your credit score is low, you could pay less to insure your 2006 Mercury Mountaineer by improving your rating.
  • Don’t get talked into coverage you don’t need – There are quite a few extra bells and whistles you can purchase when buying auto insurance. Insurance for roadside assistance, better glass coverage and membership fees may be costing you every month. They may seem like a good idea initially, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Where you live – Residing in less populated areas is a positive aspect when insuring your vehicles. Drivers in populated areas have more traffic problems and a longer drive to work. Lower population translates into fewer accidents and a lower car theft rate.

Misconceptions in car insurance advertisements

Consumers can’t ignore all the ads that promise big savings from companies such as Progressive, Allstate and GEICO. They all seem to have a common claim about savings if you switch your policy.

But how can every company make the same claim?

Different companies are able to cherry pick for the type of driver that makes them money. For instance, a driver they prefer might be a mature driver, a clean driving record, and drives newer vehicles. A customer who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Consumers who don’t qualify for the “perfect” profile will have to pay higher premiums which leads to the driver buying from a lower-cost company. The ads say “customers that switch” not “everyone that quotes” save money. That is how insurance companies can make the claims of big savings.

Because of the profiling, drivers must get quotes from several different companies. You cannot predict which company will give you the biggest savings on Mercury Mountaineer insurance.

Detailed coverages of your auto insurance policy

Having a good grasp of a auto insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most auto insurance policies.

Uninsured or underinsured coverage

This coverage protects you and your vehicle 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.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto collision coverage

This pays for damage to your Mountaineer resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a parking meter, sideswiping another vehicle, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for rehabilitation expenses, doctor visits and EMT expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverages

This protects you from injuries or damage you cause to other people or property in an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as attorney fees, emergency aid, structural damage and loss of income. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, falling objects and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Compare but don’t skimp

When you buy insurance online, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at a price you can afford.

In this article, we presented some good ideas how you can lower your 2006 Mercury Mountaineer insurance rates. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even discover the lowest priced insurance coverage comes from some of the smallest insurance companies. Some small companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

For more information, take a look at the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2006 Mercury Mountaineer Insurance Rates by City
City Premium
New York City, NY $1,581
Los Angeles, CA $1,710
Philadelphia, PA $1,336
Jacksonville, FL $1,452
Phoenix, AZ $1,162
Chicago, IL $1,339
Houston, TX $1,568
Seattle, WA $975
Columbus, OH $835
Indianapolis, IN $850

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2006 Mercury Mountaineer Insurance Rates by Driver Age
Driver Age Premium
16 $4,028
20 $2,276
30 $1,016
40 $1,000
50 $916
60 $898

Full coverage, $500 deductibles

Rates by Deductible

2006 Mercury Mountaineer Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,158
$250 $1,086
$500 $1,000
$1,000 $916

Full coverage, driver age 40

Rates by Liability Limit

Mercury Mountaineer Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,000
50/100 $1,095
100/300 $1,213
250/500 $1,521
100 CSL $1,142
300 CSL $1,403
500 CSL $1,593

Full coverage, driver age 40

Rates for High Risk Drivers

2006 Mercury Mountaineer Insurance Rates for High Risk Drivers
Age Premium
16 $5,668
20 $3,630
30 $2,162
40 $2,146
50 $2,052
60 $2,030

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 $133

Potential Rate Discounts

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

Discount Savings
Multi-policy $51
Multi-vehicle $54
Homeowner $18
5-yr Accident Free $60
5-yr Claim Free $62
Paid in Full/EFT $35
Advance Quote $43
Online Quote $67
Total Discounts $390
Rate after discounts $610

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

Find companies with the cheapest rates in your area

2006 Mercury Mountaineer Insurance Rates by State
State Premium
Alabama $904
Alaska $766
Arizona $830
Arkansas $1,000
California $1,140
Colorado $954
Connecticut $1,028
Delaware $1,132
Florida $1,252
Georgia $922
Hawaii $720
Idaho $674
Illinois $744
Indiana $752
Iowa $674
Kansas $952
Kentucky $1,364
Louisiana $1,480
Maine $616
Maryland $824
Massachusetts $800
Michigan $1,736
Minnesota $838
Mississippi $1,198
Missouri $888
Montana $1,074
Nebraska $790
Nevada $1,200
New Hampshire $720
New Jersey $1,118
New Mexico $886
New York $1,054
North Carolina $576
North Dakota $820
Ohio $690
Oklahoma $1,028
Oregon $916
Pennsylvania $954
Rhode Island $1,334
South Carolina $904
South Dakota $844
Tennessee $876
Texas $1,206
Utah $742
Vermont $686
Virginia $600
Washington $774
West Virginia $916
Wisconsin $694
Wyoming $892

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