Are you tired of being strong-armed each month for car insurance? You’re in the same situation as millions of other consumers. Many auto insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to discover the definitive lowest rate
If you have a current insurance coverage policy or are just looking to switch companies, you will benefit by learning to cut your premiums and still get good coverage. Finding the best rates is not that difficult. Drivers only need to know the most effective way to buy insurance coverage over the internet.
Consumers need to have an understanding of the rating factors that help determine the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that could result in big savings.
The following are a few of the “ingredients” companies use to determine premiums.
Getting better 1999 Mercury Mountaineer insurance pricing can be relatively painless. Consumers just need to take time to compare rate quotes online from several insurance companies. This is very easy and can be done in several different ways.
The easiest and least time consuming way to get quotes is a comparison rater form click here to open form in new window. This easy form prevents you from having to do repetitive form entry for every insurance company. One quote request compares rates from multiple companies.
A less efficient way to get quotes online requires a trip to each company’s website to complete a price quote. For example, we’ll pretend you want to compare rates from GEICO, Esurance and State Farm. You would have to take the time to go to each site and enter your policy data, which is why the first method is quicker.
To view a list of companies in your area, click here.
Whichever method you choose, double check that you are using apples-to-apples coverage limits on every quote you get. If the quotes have different liability limits it’s impossible to decipher which rate is best.
Companies that sell car insurance don’t always publicize all available discounts very clearly, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using. If you’re not getting every credit possible, you are paying more than you should be.
It’s important to note that some of the credits will not apply to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way.
Companies that may offer these money-saving discounts are:
Before buying, ask each company which discounts they offer. Discounts may not apply everywhere.
When it comes to choosing adequate coverage, there really is no single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if you might need an agent’s assistance.
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.
Learning about specific coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Listed below are the usual coverages offered by insurance companies.
Uninsured or underinsured coverage
Your UM/UIM coverage protects you and your vehicle’s occupants 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.
Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Coverage for liability
This coverage provides protection from injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people, and doesn’t cover 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. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.
Liability coverage pays for claims such as court costs, medical services and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.
This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like damage from a tornado or hurricane, vandalism, damage from getting keyed, rock chips in glass and hitting a bird. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
This covers damage to your Mountaineer resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as crashing into a building, scraping a guard rail, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.
Medical expense coverage
Coverage for medical payments and/or PIP provide coverage for expenses for prosthetic devices, nursing services, EMT expenses and X-ray expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Budget-conscious 1999 Mercury Mountaineer insurance can be bought online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
We’ve covered some good ideas how to reduce insurance prices online. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. You may even find the best price on insurance coverage is with some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.
Even more information can be found in the articles below: