2006 Mercury Mountaineer Car Insurance Rates

Looking for the cheapest insurance coverage rates? Shoppers have options when shopping for affordable Mercury Mountaineer insurance. You can either waste hours calling around to get rate comparisons or leverage the internet to get rate quotes.

There are both good and bad ways to find insurance coverage online and we’ll show you the proper way to price shop coverage for a Mercury and get the cheapest rates either online or from local insurance agents.

If you have insurance now or are shopping for new coverage, you can use these techniques to cut your premiums and possibly find even better coverage. This information will let you in on how to effectively get price quotes and some money-saving tips. Drivers just need to understand the tricks to buy insurance online.

How to buy auto insurance

Finding cheap auto insurance rates can be relatively painless. The only thing you need to do is spend a little time to compare free auto insurance quotes from different insurance companies. Price comparisons can be done by using one of the methods below.

• The easiest and least time consuming way to get quotes is a comparison rater form (click to open form in new window). This form keeps you from doing a different quote to each individual auto insurance company. Just one form will return price quotes from multiple low-cost companies. It’s definitely the quickest method.
• A different way to obtain and compare quotes online is to manually visit each company website and request a quote. For sake of this example, let’s assume you want comparison quotes from Auto-Owners, Farmers and Progressive. You would have to spend time on each company’s site and repeatedly enter your information, which can take a lot of time. For a list of companies in your area, click here.

However you get your quotes, be certain you are entering identical coverage limits and deductibles for each quote you get. If you have different liability limits it will be nearly impossible to determine the lowest rate for your Mercury Mountaineer.

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Earn discounts on insurance coverage

Companies offering auto insurance don’t necessarily list the complete list of policy discounts very well, so we took the time to find a few of the more well known in addition to some of the lesser obvious credits available to you.

• Homeowners Discount – Just owning your own home can save a few bucks since owning and maintaining a home is proof that your finances are in order.
• Braking Control Discount – Cars equipped with ABS or steering control can reduce accidents so you can save 10 percent or more.
• No Claim Discounts – Drivers with accident-free driving histories get the best insurance coverage rates compared to insureds who have frequent claims or accidents.
• Distant Student – Children living away from home attending college and don’t have a car may be able to be covered for less.
• Safe Driver Discount – Drivers without accidents can pay as much as 50% less for Mountaineer insurance compared to accident prone drivers.
• Auto/Life Discount – Insurance carriers who offer life insurance give better insurance coveragerates if you take out a life insurance policy as well.
• Military Discounts – Being deployed with a military unit could qualify you for better insurance coverage rates.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given the the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way.

If you would like to view insurance coverage companies who offer online insurance coverage quotes, click this link.

You can change your insurance prices

The best way to find cheaper insurance is to take a look at the factors that help determine insurance rates. When you understand what impacts premium levels, this empowers consumers to make smart changes that could result in lower premium levels.

• Insurance rates in urban areas – Having an address in smaller towns and rural areas of the country has it’s advantages when trying to find low car insurance rates. Fewer drivers means fewer accidents as well as less vandalism and auto theft. City drivers have more auto accidents and much longer commute distances. More time behind the wheel means higher likelihood of an accident.
• Women tend to be lower risk – Over the last 50 years, statistics have shown females are less aggressive when driving. However, this does not mean men are worse drivers. They both are in at-fault accidents in similar numbers, but guys cause more damage and cost insurance companies more money. In addition to higher claims, males also get ticketed for serious violations such as reckless driving.
• You might want pay the small policy claims yourself – Auto insurance companies award lower rates to people who are not frequent claim filers. If you are the type of insured that files lots of claims you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is designed for the large, substantial claims.
• Cheaper rates after marriage – Having a wife or husband helps lower the price on your policy. Marriage means you’re more responsible and it’s proven that married drivers get in fewer accidents.
• Incidental coverages can cost a lot – There are a ton of extra bells and whistles that you can get tricked into buying on your Mountaineer policy. Coverage for things like vanishing deductibles, better glass coverage, and term life insurance may be wasting your money. They may seem like a good idea when deciding what coverages you need, but if you have no use for them remove them from your policy.
• Does your vocation cost you more? – Do you have a high-stress occupation? Occupations like judges, business owners and accountants usually pay higher premiums than the average policyholder attributed to intense work requirements and long work days. Conversely, jobs such as scientists, historians and homemakers get better rates for Mountaineer insurance.
• Drive fewer miles and save – The more you drive your Mercury each year the more you’ll pay to insure it. Many insurance companies rate vehicles based on how the vehicle is used. Cars that are left in the garage get more affordable rates than those used for commuting. Having an incorrect usage rating on your Mountaineer can cost quite a bit. Make sure your insurance coverage is rated on the correct usage, because improper ratings can cost you money.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine if you could use an agent’s help.

• Why is insurance for a teen driver so high?
• I don’t drive much so do I pay less?
• What is roadside assistance coverage?
• If my 2006 Mercury Mountaineer is totaled, can I afford another vehicle?
• When should I buy a commercial auto policy?
• Does my liability insurance cover pulling a trailer or camper?
• Should I sign the liability waiver when renting a car?
• Can I rate high risk drivers on liability-only vehicles?
• Am I covered when pulling a rental trailer?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

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Car insurance specifics

Learning about specific coverages of car insurance can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as rehabilitation expenses, surgery, EMT expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these limits are set the same as your liablity limits.

Liability – This protects you from injuries or damage you cause to people or other property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things like loss of income, medical services, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with a tree, damaging your car on a curb, driving through your garage door, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hail damage, hitting a bird, falling objects and fire damage. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

One last thing about your coverage

As you quote auto insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to find the BEST coverage for the lowest price, but do not skimp to save money.

Affordable 2006 Mercury Mountaineer insurance is possible on the web as well as from independent agents, so you need to shop auto insurance with both to have the best chance of lowering rates. There are still a few companies who may not offer online price quotes and most of the time these smaller providers only sell coverage through independent insurance agents.

Throughout this article, we presented many ways to compare 2006 Mercury Mountaineer insurance premium rates online. The most important thing to understand is the more you quote auto insurance, the better chance you’ll have of finding cheap auto insurance. Drivers may discover the best price on car insurance is with the smaller companies.

For more information, link through to these articles:

• Older Driver Statistics (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Credit and Insurance Scores (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Keeping Children Safe in Crashes Video (iihs.org)

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