2007 Mercury Mountaineer Insurance Quotes – 9 Ways to Save

Finding cheaper insurance for a Mercury Mountaineer could be a painful process, but you can use a few tricks to find lower rates. There is a better way to shop for car insurance and we’ll show you the quickest way to quote coverages for a new or used Mercury and get the best price possible from local insurance agents and online providers.

Consumers need to shop coverage around every six months because rates go up and down regularly. If you had the best premium rates on Mountaineer insurance on your last policy you can probably find a better price now. There is a lot of bad information regarding car insurance on the internet, but I’m going to show you some great ideas on how to save money.

Where can I get low cost auto insurance?

Many insurance companies make it easy to get insurance quotes on the web. Getting prices online is fairly simple as you just enter the coverages you want on the page. Once you submit the form, their rating system makes automated requests for your credit score and driving record and generates a price based on the data you entered.

Online price quotes makes it a lot easier to compare rates but the process of having to visit each company’s website and repetitively type in the same information is repetitive and time-consuming. But it’s necessary to do this if you want to find better prices.

There is a better way!

The quickest way to get multiple rate quotes is to use a quote form to obtain quotes from a bunch of companies at once. It’s a real time-saver, requires less work, and makes online price comparison much more enjoyable and efficient. Immediately after submitting the form, it is quoted with multiple companies and you can pick any of the quotes returned. If a lower price is quoted, you simply finish the application and purchase the new policy. This process can be completed in a matter of minutes and may result in a nice savings.

If you want to find out what other companies charge, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend that you enter exactly as they are listed on your policy. Doing this guarantees you are getting comparison quotes for exact coverage.

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Tricks in insurance advertising

Drivers can’t ignore all the ads that claim the lowest rates by Progressive, Allstate and Geico. They all advertise claims about saving some big amount if you get a free car insurance quote and switch to their company.

How does every insurance company charge lower premium rates? Here is how they do it.

Companies have a preferred profile for the type of driver that will generate a profit. For example, a profitable customer could possibly be a married male, has never had a policy lapse, and the vehicle is rated for pleasure use. A customer who meets those qualifications will get a cheap rate quote and will most likely cut their rates if they switch.

Potential customers who may not quite match these criteria will probably be forced to pay a higher premium and this can result in the customer not purchasing. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” save that much. That’s the way companies can truthfully make those claims. Because of this risk profiling, you need to get as many free car insurance quotes as possible. It’s just not possible to know the company that will have the best rates for your profile.

More affordable rates by applying these nine discounts

Some companies do not list all possible discounts in a way that’s easy to find, so we break down a few of the more well known as well as the least known credits available to lower your premiums when you buy car insurance online. If you check and find you aren’t receiving every discount possible, you’re just leaving money on the table.

• Life Insurance Discount – Select companies reward you with better insurancerates if you take out life insurance.
• Low Mileage – Driving fewer miles could qualify for cheaper insurancerates.
• Defensive Driver Discounts – Completing a defensive driver class can save you 5% or more and easily recoup the cost of the course.
• Smart Student Discounts – Maintaining excellent grades can save 20 to 25%. The discount lasts up to age 25.
• Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
• Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control can reduce accidents and will save you 10% or more.
• Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off PIP or medical payments premium.
• Online Discount – Some of the larger companies give back up to $50 shop car insurance on the internet.
• Accident Forgiveness – Not necessarily a discount, but certain companies will turn a blind eye to one accident without getting socked with a rate hike so long as you haven’t had any claims for a set time period.

Please keep in mind that some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. Even though it appears having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Popular insurance companies and the discounts they provide can be found below.

• State Farm may have discounts that include Drive Safe & Save, multiple autos, student away at school, defensive driving training, and safe vehicle.
• Progressive has savings for online quote discount, multi-vehicle, multi-policy, continuous coverage, and homeowner.
• Progressive discounts include multi-vehicle, good student, homeowner, online signing, online quote discount, multi-policy, and continuous coverage.
• MetLife policyholders can earn discounts including claim-free, good driver, good student, defensive driver, accident-free, and multi-policy.
• Farm Bureau includes discounts for multi-vehicle, renewal discount, 55 and retired, safe driver, multi-policy, youthful driver, and driver training.
• Geico may offer discounts for defensive driver, daytime running lights, driver training, emergency military deployment, and seat belt use.
• SAFECO offers premium reductions for anti-lock brakes, safe driver, drive less, teen safe driver, bundle discounts, multi-car, and accident prevention training.

When getting free car insurance quotes, it’s a good idea to all companies you are considering how you can save money. Some of the discounts discussed earlier might not apply in every state. To see insurance companies with the best discounts, click here to view.

Your insurance coverage should be tailored to you

When it comes to buying the best insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining if your situation could use an agent’s help.

• Am I covered if I wreck a rental car?
• Do I need roadside assistance coverage?
• Should I have combined single limit or split liability limits?
• Do I need to file an SR-22 for a DUI in my state?
• What is PIP insurance?
• Is borrowed equipment or tools covered if stolen or damaged?
• Should I drop comprehensive coverage on older vehicles?
• Exactly who is provided coverage by my policy?
• When should my teen driver be added to my policy?
• Why do I need rental car insurance?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

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Specifics of your auto insurance policy

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from flooding, hitting a bird, theft and a broken windshield. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability insurance – Liability insurance will cover damage that occurs to a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims such as loss of income, funeral expenses, repair costs for stationary objects and legal defense fees. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your 2007 Mercury Mountaineer.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Insurance for medical payments – Med pay and PIP coverage reimburse you for expenses like funeral costs, rehabilitation expenses, EMT expenses and ambulance fees. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – This coverage will pay to fix damage to your Mountaineer resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with another moving vehicle, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

What is YOUR best insurance company?

There are still a few companies who may not have online quoting and usually these regional carriers prefer to sell through independent insurance agents. The cheapest 2007 Mercury Mountaineer insurance can be found both online as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from.

We just presented a lot of techniques to compare 2007 Mercury Mountaineer insurance prices online. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Drivers may discover the lowest priced insurance coverage comes from some of the smallest insurance companies.

When you buy car insurance online, never reduce needed coverages to save money. There are a lot of situations where an insured dropped liability coverage limits and discovered at claim time that the savings was not a smart move. Your aim should be to get the best coverage possible at an affordable rate.

Additional detailed information can be read in the articles below:

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• Event Data Recorders FAQ (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)

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