Want better insurance coverage rates for your Mercury Mountaineer? Having to pay for overpriced insurance coverage can empty your checking account and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill.
Lots of insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates to find the absolute lowest cost out there.
Smart consumers take time to shop coverage around periodically because insurance rates are rarely the same from one policy term to another. If you had the best price on Mountaineer insurance six months ago a different company probably has better rates today. You can find a lot of misleading information regarding insurance coverage on the internet, so we’re going to give you a lot of great tips on how to find affordable insurance coverage.
There are a lot of ways to compare insurance coverage prices and some are less labor-intensive and much quicker. You could waste time talking to insurance companies in your area, or you could use the web to accomplish the same thing much quicker.
The majority of car insurance companies participate in a marketplace where prospective buyers submit one quote, and each participating company returns a rated price for coverage. This saves time by eliminating form submissions for each company you want a rate for.
To access this free quoting program, click here (opens in new window).
The one downside to pricing coverage this way is buyers cannot specifically choose the providers you will receive quotes from. If you wish to select specific providers to receive pricing from, we have a page of companies who write insurance coverage in your area. View list of insurance companies.
It’s up to you which method you use, but make darn sure you compare identical quote information on every quote. If you are comparing different liability limits it’s impossible to make a fair comparison for your Mercury Mountaineer. Quoting even small variations in coverages may result in a large different in cost. Keep in mind that getting more free quotes gives you a better chance of getting a better price.
Insurance can cost an arm and a leg, but companies offer discounts to reduce the price significantly. Some discounts apply automatically at quote time, but less common discounts must be specially asked for before being credited.
It’s important to understand that many deductions do not apply to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, insurance companies aren’t that generous. Any amount of discount will bring down the cost of coverage.
To see a list of insurers offering insurance discounts, follow this link.
When it comes to choosing coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help you determine whether your personal situation will benefit from professional help.
If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Understanding the coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages found on the average insurance policy.
This coverage provides protection from damage that occurs to people or other property. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage pays for things like pain and suffering, structural damage, medical services and attorney fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
This coverage covers damage to your Mountaineer caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as damaging your car on a curb, driving through your garage door, colliding with another moving vehicle, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.
This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as EMT expenses, ambulance fees, X-ray expenses, rehabilitation expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible
This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like a broken windshield, hitting a bird and falling objects. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.