2000 Mercury Mountaineer Insurance Quotes

Looking for the cheapest insurance coverage rates for your Mercury Mountaineer? Are you sick and tired of robbing Peter to pay Paul to insure your Mercury every month? You are no different than many other drivers.

You have multiple auto insurance companies to buy insurance from, and although it’s a good thing to have a selection, so many choices can make it hard to find the lowest cost provider.

Finding affordable coverage is quite easy. Basically, anyone who buys insurance stands a good chance to be able to find better rates. But consumers do need to learn how insurance companies sell online because it can help you find the best coverage.

The best way to compare policy rates takes advantage of the fact most of the bigger providers allow for online access to give free rates quotes. To get started, all you need to do is take a few minutes to give details like if you have a valid license, distance driven, the type of vehicles you drive, and how much education you have. The data is sent automatically to insurance companies and they respond with quotes immediately.

To find lower rates now, click here and complete the form.

Mercury Mountaineer insurance premiums are calculated by many factors

It’s important that you understand the factors that help determine the price you pay for insurance. Knowing what controls the rates you pay allows you to make educated decisions that will entitle you to big savings.

  • Too many insurance claims drive up costs – Car insurance companies provide discounts to people who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Special features that cut premiums – Owning a car with an alarm system can save you a little every year. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
  • Poor driving leads to higher costs – Even a single ticket may increase your cost by twenty percent. Drivers with clean records tend to pay less for car insurance than bad drivers. Drivers who get serious violations such as hit and run, DWI or reckless driving convictions may be required to file a SR-22 with the DMV in their state in order to continue driving.
  • Drive a safer car and pay less – Safer cars are cheaper to insure. These vehicles protect occupants better and fewer injuries translates into savings for insurance companies and lower rates for you. If the Mercury Mountaineer has ratings of a minimum four stars on Safercar.gov you may qualify for a discount.
  • Discounts for multiple policies – Many insurers give discounts to insureds who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, you still need to compare rates to make sure you are getting the best deal.

Discounts mean cheaper Mercury Mountaineer insurance rates

Companies that sell car insurance do not list all their discounts very well, so we took the time to find some of the best known as well as the least known ways to save on insurance coverage.

  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Bundle and Save – When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total premium.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% on Mountaineer insurance with select insurance companies.
  • E-sign – Some insurance companies will give a small break for buying your policy on their website.
  • Multiple Cars – Insuring all your vehicles on one policy qualifies for this discount.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiration. It’s a savings of about 10%.

It’s important to note that some credits don’t apply to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way.

For a list of providers with discount insurance coverage rates, follow this link.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help you determine whether or not you will benefit from professional help.

  • How do I file an SR-22 for a DUI in my state?
  • Do I have coverage for damage caused while driving under the influence?
  • Does medical payments coverage apply to all occupants?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does having multiple vehicles earn me a discount?
  • How high should deductibles be on a 2000 Mercury Mountaineer?
  • Am I covered by my spouse’s policy after a separation?
  • Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to 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.

Car insurance coverage basics

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by car insurance companies.

Auto liability – This provides protection from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as legal defense fees, emergency aid, funeral expenses and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage – Med pay and PIP coverage pay for immediate expenses for things like nursing services, doctor visits, rehabilitation expenses and funeral costs. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, theft, hitting a deer and damage from getting keyed. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, backing into a parked car, scraping a guard rail, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Be a smart shopper

Low-cost 2000 Mercury Mountaineer insurance is definitely available from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

We just presented a lot of information how to reduce insurance prices online. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from an unexpected company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.

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