Lower Your 2002 Mercury Mountaineer Insurance Rates

Drivers have many options when trying to find the best price on Mercury Mountaineer insurance. You can either waste hours driving around trying to get quotes or utilize the internet to get rate quotes. There is a better way to compare insurance coverage rates and you need to know the absolute fastest way to price shop coverage for a Mercury and obtain the cheapest rates from local insurance agents and online providers.

Buying car insurance is not that difficult. If you have car insurance now, you will most likely be able to reduce your rates substantially using these methods. Vehicle owners just need to know the most effective way to compare price quotes on the web.

Quick Insurance Quotes

There are a lot of ways to compare insurance prices but one way is less time-consuming than others. You can waste a lot of time driving to insurance agencies in your area, or you could use online quoting to get prices fast.

Most car insurance companies belong to an insurance system where prospective buyers send in one quote, and every company returns a rated price for coverage. This system prevents you from having to do quote forms for each company.

To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to pricing coverage this way is you cannot specify which providers you will receive quotes from. So if you prefer to choose individual companies to request quotes from, we put together a list of insurance companies in your area. Click here to view list.

However you get your quotes, make sure you use exactly the same coverage information for each price quote. If you compare higher or lower deductibles it will be next to impossible to make a fair comparison for your Mercury Mountaineer.

Are you getting all your discounts?

Companies that sell car insurance don’t list every discount very clearly, so we researched some of the best known and the more hidden ways to save on insurance coverage. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less on Mountaineer coverage than drivers with accident claims.
  • Senior Citizens – Mature drivers may be able to get reduced rates on Mountaineer coverage.
  • Clubs and Organizations – Participating in a qualifying organization could trigger savings on your policy on Mountaineer coverage.
  • Safety Course Discount – Completing a course in driver safety could save 5% or more if you qualify.
  • Federal Employees – Active or retired federal employment can save as much as 8% on Mountaineer coverage with select insurance companies.

It’s important to understand that most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. Just because you may think you could get a free insurance coverage policy, you won’t be that lucky.

For a list of insurers with the best insurance coverage discounts, click here to view.

Tailor your coverage to you

When buying coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions can aid in determining if your situation would benefit from an agent’s advice.

  • Do I need medical payments coverage since I have good health insurance?
  • What is PIP insurance?
  • Is my dog or cat covered if injured in an accident?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Which companies will insure high-risk drivers?
  • How can I get my company to pay me more for my totalled car?
  • Should I get collision insurance on every vehicle?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages for a 2002 Mercury Mountaineer

Knowing the specifics of your insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2002 Mercury Mountaineer.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for things like EMT expenses, dental work and doctor visits. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverages

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

Comprehensive insurance covers things like hitting a bird, damage from a tornado or hurricane, theft, hitting a deer and damage from flooding. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for liability

This can cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like medical services, pain and suffering, medical expenses and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with another moving vehicle, hitting a parking meter, backing into a parked car, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.