1997 Mercury Mountaineer Car Insurance Rates – 9 Discounts for Cheaper Quotes

Looking for better car insurance rates for your Mercury Mountaineer? Finding better insurance prices for a Mercury Mountaineer can normally be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to find car insurance online and we’ll show you the proper way to get price quotes for a Mercury and obtain the lowest possible price either online or from local insurance agents.

Compare insurance quotes online

Reducing your 1997 Mercury Mountaineer insurance rates is pretty simple and can save money. Just take a few minutes comparing price quotes to find the company with cheap auto insurance quotes. You can get a good selection of rate quotes in a couple of different ways.

The most recommended method consumers can make multiple comparisons is a comparison rater form click to view form in new window. This form prevents you from having to do separate quotes for every company. A single, simple form gets coverage cost estimates from insurance companies with the best prices. It’s the fastest way to compare.

Another way to obtain and compare quotes online requires visiting each company website and fill out their own quote form. For examples sake, let’s assume you want to compare Farmers, Safeco and Liberty Mutual. To get rate quotes you would need to go to every website and enter your information, which can get old fast. For a handy list of car insurance company links in your area, click here.

Whichever way you choose to compare rates, ensure you are comparing the same quote information for each quote you get. If you compare differing limits you can’t possibly determine which company has the best rates.

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Nine discounts for cheap insurance coverage rates

Not too many consumers would say insurance coverage is affordable, but there could be significant discounts that can dramatically reduce your bill. Certain discounts will be applied when you get a quote, but some need to be inquired about before they will apply. If you check and find you aren’t receiving every discount you deserve, you’re paying more than you need to.

• Drive Less and Save – Low annual miles could be rewarded with lower insurance coveragerates due to less chance of an accident.
• No Claim Discounts – Insureds with no claims or accidents get the best insurance coverage rates as opposed to accident-prone drivers.
• Homeowners Discount – Just owning your own home can help you save on insurance coverage because owning a home is proof of financial responsibility.
• Military Discounts – Having an actively deployed family member can result in better prices.
• Good Driver Discounts – Insureds without accidents can save as much as half off their rates on Mountaineer insurance compared to rates paid by drivers with frequent claims.
• Good Student – Getting good grades may save as much as 25% on a auto insurance quote. The discount lasts up to age 25.
• Save with a New Car – Buying a new car instead of a used car can save up to 30% because newer models are generally safer.
• Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in school.
• Early Renewal Discounts – A few insurance companies allow discounts for buying a new policy before your current expiration date. You can save around 10% with this discount.

A little disclaimer on discounts, many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though the math looks like all those discounts means the company will pay you, it’s just not the way it works. But all discounts will help lower the amount you pay for coverage.

Insurance companies that may include some of the discounts shown above include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

Before you buy a policy, ask each company which discounts you may be entitled to. Some credits may not apply in your area. To find providers with the best insurance coverage discounts, follow this link.

Tailor your car insurance coverage to you

When choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions can aid in determining whether or not you might need an agent’s assistance.

• Can I afford low physical damage deductibles?
• Do I need special endorsements for business use of my vehicle?
• Do I pay less if my vehicle is kept in my garage?
• What is medical payments coverage?
• What if I total my 1997 Mercury Mountaineer and owe more than it’s worth?
• Is my babysitter covered when using my vehicle?
• What can I do if my company denied a claim?
• Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.

Specific coverages for a 1997 Mercury Mountaineer

Understanding the coverages of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for rehabilitation expenses, prosthetic devices, doctor visits and chiropractic care. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverage – This coverage can cover injuries or damage you cause to people or other property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as court costs, medical services, medical expenses, emergency aid and structural damage. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like backing into a parked car, sideswiping another vehicle, hitting a parking meter, crashing into a building and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as falling objects, a tree branch falling on your vehicle, hitting a deer, rock chips in glass and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercury Mountaineer.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

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The best insurance company isn’t always the cheapest

When you buy auto insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where an insured cut full coverage only to regret that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.

Drivers who switch companies do it for a variety of reasons including extreme rates for teen drivers, unfair underwriting practices, being labeled a high risk driver or policy cancellation. Regardless of your reason, finding a great new company is not as difficult as it may seem.

Affordable 1997 Mercury Mountaineer insurance can be purchased both online in addition to many insurance agents, and you should compare rates from both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and these smaller companies provide coverage only through independent agents.

More detailed auto insurance information can be read by following these links:

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)

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