Cheaper 2006 Mercury Mountaineer Car Insurance Quotes

Trying to find better car insurance rates? Buyers have options when searching for the best price on Mercury Mountaineer insurance. They can either waste time struggling with agents trying to get quotes or leverage the internet to make rate comparisons.

There is a right way and a wrong way to find car insurance online so we’re going to tell you the best way to get price quotes for a new or used Mercury and get the best price possible.

It’s a good habit to check car insurance prices before your policy renews due to the fact that insurance rates tend to go up over time. If you had the lowest price for Mountaineer insurance six months ago a different company probably has better rates today. There is a lot of bad advice regarding car insurance on the web, but with this article, you’re going to get some of the best ways to reduce your car insurance bill.

The purpose of this article is to instruct you on how car insurance quotes work and some tricks to saving. If you currently have a car insurance policy, you will be able to cut costs considerably using these tips. Consumers just need to learn the proper way to shop online.

Why your Mercury Mountaineer might be costing you more

Smart consumers have a good feel for the factors that go into determining the price you pay for insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in big savings.

Listed below are some of the factors companies use to determine premiums.

  • More miles equals more premium – The more you drive in a year the higher your rates will be. The majority of insurers rate vehicles based on how the vehicle is used. Vehicles not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Improper usage on your Mountaineer may be costing you. Ask your agent if your insurance policy is rated on the correct driver usage, because it can save money.
  • Lower deductibles cost more – Deductibles for physical damage define the amount you are required to spend before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some instances where coverage would apply would be running into the backend of another car, damage caused by hail, or theft. The more expense you are required to pay out-of-pocket, the less your insurance will be for Mountaineer insurance.
  • Marriage brings a discount – Having a wife or husband can get you a discount on your policy. Having a significant other translates into being more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings tend to have better insurance rates. Safer cars result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you. If your Mercury Mountaineer earned at least four stars on it may be receiving lower rates.
  • Do you qualify for a multi-policy discount? – Many companies provide better rates to people who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare other company rates to make sure you are getting the best deal.

Compare Car Insurance Costs

Getting a lower price on 2006 Mercury Mountaineer insurance is not rocket science. Drivers just need to take time getting comparison quotes online with multiple companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The best way to find low rates is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating a different quote to each individual car insurance company. A single, simple form gets rate comparisons from all major companies. This is by far the quickest method.
  2. A different way to compare prices requires a trip to the website for every company you want to comare and fill out their own quote form. For instance, we’ll assume you want rates from Auto-Owners, GEICO and Farmers. To get each rate you have to visit each site and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

However you get your quotes, double check that you are using apples-to-apples coverages and limits with every price quote. If you have differing limits it’s not possible to truly determine the lowest rate.

Are car insurance companies telling the truth?

Consumers get pounded daily by advertisements that promise big savings by companies like 21st Century, Allstate and State Farm. They all make an identical promise that you’ll save big after switching to them.

How does each company make the same claim?

All the different companies have a preferred profile for the type of customer that is profitable for them. An example of a preferred risk might be profiled as between 25 and 40, insures multiple vehicles, and chooses high deductibles. A driver who matches those parameters gets the lowest rates and therefore will save a lot of money.

Potential insureds who don’t meet the requirements must pay higher prices and this can result in the driver buying from a lower-cost company. The ads say “customers who switch” not “people who quote” save money. That’s why companies can truthfully advertise the savings.

This illustrates why you need to quote coverage with many companies. It’s not possible to predict which company will have the lowest Mercury Mountaineer insurance rates.

Are you getting all your discounts?

Car insurance can cost a lot, but you may find discounts to help bring down the price. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be asked for prior to receiving the credit. If you don’t get every credit available, you are paying more than you should be.

  • Military Discounts – Having a deployed family member can result in better rates.
  • Student in College – Children who live away from home and don’t have a car may qualify for this discount.
  • Life Insurance Discount – Larger companies have better rates if you take out auto and life insurance together.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • Homeowners Pay Less – Owning a house can help you save on insurance coverage because maintaining a house requires personal responsibility.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.

Keep in mind that some credits don’t apply to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. So when it seems like adding up those discounts means a free policy, insurance coverage companies aren’t that generous. But any discount will help reduce the amount you have to pay.

Car insurance companies that may offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask every prospective company which discounts they offer. Discounts might not be offered in your state.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique.

These are some specific questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • What are the financial responsibility laws in my state?
  • Should I rate my 2006 Mercury Mountaineer as pleasure use or commute?
  • Why do I need rental car insurance?
  • How much liability coverage do I need in my state?
  • Should I waive the damage coverage when renting a car?
  • Does coverage extend to a rental car in a foreign country?
  • Do I have coverage if my license is suspended?
  • I don’t drive much so do I pay less?
  • When should I remove comp and collision on my 2006 Mercury Mountaineer?
  • Does having multiple vehicles earn me a discount?

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, complete this form. It’s fast, free and you can get the answers you need.

Auto insurance coverage considerations

Having a good grasp of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Auto collision coverage

Collision insurance pays for damage to your Mountaineer caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, colliding with another moving vehicle, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Liability coverage

Liability coverage will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like medical services, structural damage and attorney fees. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage pay for expenses for pain medications, rehabilitation expenses and surgery. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, a broken windshield, hitting a deer and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mercury Mountaineer.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Knowledge is power

Cheap 2006 Mercury Mountaineer insurance is available online in addition to many insurance agents, so you should compare both to have the best rate selection. Some insurance providers do not provide online price quotes and these small, regional companies work with independent agents.

We just showed you a lot of ways to save on insurance. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. You may even find the best price on car insurance is with a smaller regional carrier.

When buying insurance coverage, don’t be tempted to buy poor coverage just to save money. In too many instances, an insured dropped collision coverage only to discover later that the savings was not a smart move. The proper strategy is to buy enough coverage for the lowest price.

More articles