Cheap 1999 Mercury Mountaineer Insurance Cost

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.

Factors that might impact rates for a Mercury Mountaineer

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.

  • High crash test scores lower rates – Cars with high safety ratings are cheaper to insure. These vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company and thus lower rates. If your Mercury Mountaineer is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Marriage pays dividends – Being married can get you a discount when buying auto insurance. Having a spouse is viewed as being more responsible and it’s proven that drivers who are married are more cautious.
  • Adjust deductibles and save – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Mercury. Some examples of claims that would be covered are running into the backend of another car, vandalism, and windstorm damage. Deductibles for physical damage are how much you are willing to pay if you file a covered claim. The more money the insured has to pay upfront, the lower your rates will be for Mountaineer coverage.
  • Policy add-ons can waste money – There are quite a few extra bells and whistles that you can buy on your Mountaineer policy. Insurance for rental car reimbursement, towing coverage and motor club memberships may be wasting your money. They may seem like a good idea initially, but if you don’t need them eliminate the coverages to reduce your premium.

Comprehensive Insurance Comparison

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.

How much can you save with discounts?

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.

  • Auto/Life Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Military Discounts – Having a family member in the military could mean lower rates.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Own a Home – Owning a house can help you save on insurance because maintaining a house shows financial diligence.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Sign Early and Save – A few companies offer discounts for switching policies before your current expiration date. It can save you around 10%.
  • Accident Free – Claim-free drivers pay much less when compared to drivers who are more careless.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less for Mountaineer coverage than less cautious drivers.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.

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.

How much car insurance do I need?

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.

  • Am I covered when driving someone else’s vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Are my friends covered when driving my 1999 Mercury Mountaineer?
  • I have health insurance so do I need medical payments coverage?
  • Does my 1999 Mercury Mountaineer need full coverage?
  • What can I do if my company won’t pay a claim?
  • Why am I required to buy liability insurance?
  • What is PIP insurance?

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.

What insurance coverages do 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.

Comprehensive protection

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.

Collision protection

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

You can do this!

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: