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2009 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 2009 Mercury Mountaineer are $1,094 a year including full coverage. Comprehensive costs on average $194, collision costs $268, and liability costs $474. Buying a liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,354. Teen drivers receive the highest rates at $4,328 a year or more.

Annual premium for full coverage: $1,094

Rate estimates for 2009 Mercury Mountaineer Insurance

Comprehensive $194
Collision $268
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 40-year-old driver, prices range go from as low as $522 for the bare minimum liability coverage to the much higher price of $2,354 for high-risk insurance.

Liability Only $522
Full Coverage $1,094
High Risk $2,354

View Chart as Image

2009 Mercury Mountaineer insurance rates compared
Column chart showing 2009 Mercury Mountaineer insurance prices range from $657 to $4,328 for full coverage

These differences highlight why everyone should compare rates based on a specific location and risk profile, instead of making a decision based on 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 2009 Mercury Mountaineer Insurance

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Want the cheapest insurance rates? Drivers have options when trying to find the best price on Mercury Mountaineer insurance. They can either waste time calling around trying to get quotes or leverage the internet to make rate comparisons.

There is a better way to compare insurance rates and you need to know the proper way to price shop coverage for a new or used Mercury and get the best price possible from local insurance agents and online providers.

You should make it a habit to get comparison quotes on a regular basis due to the fact that insurance rates change quite often. Just because you found the lowest price on Mountaineer coverage a few years ago a different company probably has better rates today. Starting right now, ignore everything you know about insurance because I’m going to teach you the best way to find better rates and still maintain coverage.

The purpose of this post is to let you in on how to effectively get price quotes and some money-saving tips. If you currently have a car insurance policy, you should be able to save some money using this information. Consumers just need to understand the proper methods to shop for insurance online.

Save with discounts on Mercury Mountaineer insurance

Insurance can cost an arm and a leg, but companies offer discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you complete an application, but a few need to be asked for before being credited. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Sign Online – Certain companies may give you up to $50 just for signing your application over the internet.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less on Mountaineer coverage than their less cautious counterparts.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Bundle and Save – When you have multiple policies with the same company you will save at least 10% off all policies.
  • Defensive Driver – Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • No Claims – Claim-free drivers can save substantially when compared with frequent claim filers.

It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will bring down your premiums.

A partial list of companies that may have some of the above discounts include:

Double check with each company how you can save money. Some discounts might not be offered in your area.

The best way we recommend to compare rates is to take advantage of the fact most larger insurance companies will pay a fee to compare their rates. To get started, all you need to do is provide the companies a bit of rating information including if a SR-22 is needed, if you are currently licensed, daily mileage, and coverage limits. Your details is instantly sent to insurance companies and you get price estimates quickly.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether or not you will benefit from professional help.

  • Does my car insurance cover rental cars?
  • Should I buy full coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my Mercury Mountaineer covered if I use it for business?
  • Will my insurance pay for OEM parts?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I missing any policy discounts?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free 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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Coverages available on your insurance policy

Learning about specific coverages of your policy can be of help when determining the best coverages for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision protection

Collision coverage will pay to fix damage to your Mountaineer caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, sideswiping another vehicle, scraping a guard rail, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, a tree branch falling on your vehicle, hitting a bird, vandalism and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses such as X-ray expenses, prosthetic devices, dental work and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2009 Mercury Mountaineer.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Liability coverage

This coverage can cover damage that occurs to a person or their property that is your fault. It protects you against other people’s claims, and does not provide coverage for 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 values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like structural damage, legal defense fees, funeral expenses and pain and suffering. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Do the work, save more money

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. Too many times, an insured dropped physical damage coverage and learned later they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

We just showed you a lot of ways to get a better price on 2009 Mercury Mountaineer insurance. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the best prices are with an unexpected company.

Cost effective insurance can be bought online as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

For more information, take a look at these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2009 Mercury Mountaineer Insurance Rates by City
City Premium
New York City, NY $1,731
Los Angeles, CA $1,872
Philadelphia, PA $1,464
Jacksonville, FL $1,589
Phoenix, AZ $1,271
Chicago, IL $1,469
Houston, TX $1,713
Seattle, WA $1,066
Columbus, OH $912
Indianapolis, IN $929

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Mercury Mountaineer Insurance Rates by Driver Age
Driver Age Premium
16 $4,328
20 $2,500
30 $1,120
40 $1,094
50 $1,004
60 $982

Full coverage, $500 deductibles

Rates by Deductible

2009 Mercury Mountaineer Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,296
$250 $1,204
$500 $1,094
$1,000 $988

Full coverage, driver age 40

Rates by Liability Limit

Mercury Mountaineer Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,094
50/100 $1,189
100/300 $1,307
250/500 $1,615
100 CSL $1,236
300 CSL $1,497
500 CSL $1,687

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Mercury Mountaineer Insurance Rates for High Risk Drivers
Age Premium
16 $6,114
20 $3,984
30 $2,382
40 $2,354
50 $2,252
60 $2,228

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 $147

Potential Rate Discounts

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

Discount Savings
Multi-policy $56
Multi-vehicle $59
Homeowner $19
5-yr Accident Free $69
5-yr Claim Free $69
Paid in Full/EFT $41
Advance Quote $49
Online Quote $75
Total Discounts $437
Rate after discounts $657

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

Find companies with the cheapest rates in your area

2009 Mercury Mountaineer Insurance Rates by State
State Premium
Alabama $990
Alaska $840
Arizona $908
Arkansas $1,094
California $1,248
Colorado $1,046
Connecticut $1,126
Delaware $1,240
Florida $1,370
Georgia $1,010
Hawaii $786
Idaho $740
Illinois $816
Indiana $822
Iowa $738
Kansas $1,042
Kentucky $1,494
Louisiana $1,618
Maine $676
Maryland $902
Massachusetts $876
Michigan $1,902
Minnesota $916
Mississippi $1,310
Missouri $972
Montana $1,176
Nebraska $864
Nevada $1,314
New Hampshire $788
New Jersey $1,224
New Mexico $970
New York $1,154
North Carolina $630
North Dakota $898
Ohio $754
Oklahoma $1,124
Oregon $1,002
Pennsylvania $1,046
Rhode Island $1,460
South Carolina $990
South Dakota $924
Tennessee $958
Texas $1,318
Utah $810
Vermont $752
Virginia $654
Washington $846
West Virginia $1,002
Wisconsin $758
Wyoming $976

Free Auto Insurance Comparison

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