Lower Your 2009 Mercury Mountaineer Insurance Cost

Scraping up a payment for high-priced Mercury Mountaineer insurance can deplete your bank account and maybe even restrict other spending. Comparing rate quotes can be a smart way to lower your monthly bill.

Multiple car insurance companies compete for your insurance dollar, and because of this it can be hard to compare car insurance companies to get the best rate

If you have a policy now or need a new policy, you can use these tips to cut your premiums while maximizing coverage. Finding the best rates is easy if you know what you’re doing. Drivers only need an understanding of the tricks to compare company rates over the internet.

Smart consumers can lower insurance rates

Part of the insurance coverage buying process is learning a few of the rating criteria that come into play when calculating your policy premiums. When you know what positively or negatively impacts premium levels, this enables informed choices that will entitle you to lower rates. Lots of factors are part of the equation when premium rates are determined. Some factors are common sense such as your driving history, although some other factors are not as apparent such as whether you are married and annual miles driven.

• Stay claim-free and lower prices – If you file a lot of claims you can pretty much guarantee higher rates. Insurance companies provide most affordable rates to people who do not file claims often. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
• Age of drivers – Beginning drivers have been known to be inattentive and easily distracted with other occupants in the car and because of this, their insurance coverage rates are much higher. Older people are proven to be safer behind the wheel, are lower risk to insure and are safer drivers.
• Consolidate policies with the same company – Lots of insurance companies provide discounts to clients who consolidate policies with them, otherwise known as a multi-policy discount. Discounts can be as much as ten percent or more Even if you already get this discount, it’s always a smart idea to shop around to make sure you are getting the best deal. Consumers may find better rates by insuring with multiple companies.
• Advanced alarms and GPS tracking – Driving a car with a theft deterrent system can help lower your premiums. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft and help lower rates.
• Allowing your coverage to lapse raises rates – Having a gap between insurance policy dates can be a fast way to increase your rates. Not only will you pay higher rates, getting caught without coverage will get you a license revocation or jail time. You may need to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
• Pay more out-of-pocket – Deductibles for physical damage represent how much money you are required to pay in the event of a claim. Coverage for physical damage, also called ‘full coverage’, protects your car from damage. Some examples of covered claims are rearending another vehicle, animal collisions, or theft of your vehicle. The more expense you are required to pay out-of-pocket, the less money you will pay for insurance coverage on Mountaineer insurance.
• Getting married is a good thing – Your spouse may earn you lower rates on your insurance coverage bill. It is viewed as being more mature and responsible and statistics show drivers who are married are more cautious.
• Vehicles with better crash test results cost less to insure – Cars with high safety ratings get lower rates. Vehicles built for safety result in less severe injuries and lower rates of occupant injuries means less money paid by your insurance company passed on to you as lower rates. If your Mercury is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.

The quickest method we recommend to get rate comparisons is to realize most of the bigger providers participate in online systems to give free rates quotes. To start a quote, the only thing you need to do is give them rating details such as deductibles desired, the type of vehicles you drive, whether you drive to work or school, and if you are currently licensed. Those rating factors is submitted instantly to many of the top insurers and you get price estimates very quickly.

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The ad said I’d save $423 a year!

Drivers can’t avoid all the ads for insurance savings from the likes of State Farm, Geico and Progressive. All the ads tend to make the same promise that you’ll save big just by switching your insurance policy to them.

That’s great but how can every company give you a lower rate?

Many companies offer their best rates for the driver that earns them the most money. For instance, a driver they prefer might have to be over age 30, has never had a policy lapse, and has a short commute. A driver that fits those parameters will probably get cheap car insurance rates and as a result will probably pay quite a bit less when switching companies.

People who fall outside this stringent profile may be required to pay more expensive rates which translates to the prospect going elsewhere. The ads state “customers who switch” but not “everyone who gets a quote” save money. That is how companies can make claims that they all have the best car insurance rates.

This really drives home the point why drivers should get as many free auto insurance quotes as possible. Because you cannot predict with any certainty which company will fit you best based on your risk profile.

Verify you’re getting every discount

Insurance is not inexpensive, but there may be some discounts to help bring down the price. Certain discounts will be triggered automatically at the time of quoting, but a few must be asked about prior to getting the savings.

• Senior Citizens – If you’re over the age of 55, you can get a small discount on rates on Mountaineer insurance.
• Save with More Vehicles Insured – Drivers who insure primary and secondary vehicles with one company can get a discount on all vehicles.
• Good Driver Discounts – Insureds without accidents can save as much as half off their rates on Mountaineer insurance than drivers with accident claims.
• Discounts for Government Workers – Being employed by or retired from a federal job could cut as much as 10% off on Mountaineer insurance with some insurance companies.
• ABS Braking Discount – Cars and trucks with ABS and/or traction control can stop better under adverse conditions so you can save 10 percent or more.
• Defensive Driver Discount – Taking a defensive driving class could cut 5% off your bill and also improve your driving technique.
• Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school or through a local driver safety program.

You should keep in mind that some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, you aren’t that lucky. But any discount should help reduce your policy cost.

To see a list of companies who offer online insurance quotes, click here to view.

When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage, there really is no one size fits all plan. Each situation is unique so your insurance needs to address that. For instance, these questions might help in determining if you could use an agent’s help.

• Does liability extend to a camper or trailer?
• Are all vehicle passengers covered by medical payments coverage?
• Do I need special endorsements for business use of my vehicle?
• When does my teenage driver need to be added to my policy?
• What is the difference between comprehensive and collision coverage?
• Does my insurance cover a custom paint job?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

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Car insurance coverages for a 2009 Mercury Mountaineer

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive insurance

This covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a broken windshield, damage from getting keyed, damage from a tornado or hurricane, falling objects and hail damage. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses for chiropractic care, pain medications, nursing services, dental work and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision protection

This coverage will pay to fix damage to your Mountaineer resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a building, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Auto liability

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

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as court costs, structural damage, medical expenses, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Saving money makes a lot of cents

Lower-priced 2009 Mercury Mountaineer insurance can be found both online in addition to local insurance agencies, so get free auto insurance quotes from both of them to have the best chance of lowering rates. Some insurance providers may not offer internet price quotes and these small insurance companies sell through independent agents.

We just showed you many ways to reduce 2009 Mercury Mountaineer insurance prices online. It’s most important to understand that the more quotes you get, the better likelihood of getting inexpensive auto insurance. You may even find the lowest prices come from the smaller companies. They can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or Geico.

More information can be read at the links below

• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)
• Teen Driving Statistics (Geico)

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