Cheaper 2008 Mercury Mountaineer Car Insurance Cost

Are you burned out from robbing Peter to pay Paul to buy car insurance? You are in the same boat as the majority of other consumers. You have multiple insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, more choices can make it harder to compare rates and find the lowest cost car insurance.

Affordable auto insurance quotes

There are several ways to shop for auto insurance, but one way is less labor-intensive and much quicker. You can waste hours driving to local insurance agents in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

All the larger companies are enrolled in a marketplace that allows shoppers to complete one form, and each participating company can provide price quotes determined by their information. This system prevents you from having to do form submissions for each company you want a rate for.

To find out how much you’re overpaying now click to open in new window.

The single downside to using this type of form is you are unable to specify which companies you will receive quotes from. If you prefer to choose individual companies to compare, we have a page of low cost auto insurance companies in your area. Click to view list.

It’s up to you which method you use, but make sure you use equivalent coverages for every company. If you are comparing different liability limits you can’t possibly truly determine the lowest rate.

Pay discount rates these discounts

Not many people think insurance is cheap, but you may be missing some discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but some need to be asked for before they will apply.

• Anti-lock Brake Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes can stop better under adverse conditions and the ABS can save up to 10%.
• Auto/Home Discount – If you combine your auto and homeowners policies with the same company you could get a discount of 10% to 20% off each policy.
• Claim Free – Drivers with accident-free driving histories have much lower rates as opposed to drivers with a long claim history.
• Savings for New Vehicles – Buying a new car model can get you a discount because newer vehicles keep occupants safer.
• Discounts for Responsible Drivers – Safe drivers may save up to 50% more for Mountaineer coverage than their less cautious counterparts.
• Student Discount for Driver Training – Teen drivers should enroll and complete driver’s education if offered at their school.
• Telematics Devices – Drivers that enable data collection to monitor driving patterns by using a telematics device in their vehicle such as Progressive’s Snapshot may get a rate reduction if their driving habits are good.
• Discount for Good Grades – Being a good student may save as much as 25% on a insurance coverage quote. Many companies even apply the discount to college students well after school through age 25.

You should keep in mind that some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like medical payments or collision. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way.

Some companies that possibly offer these money-saving discounts are:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

Before purchasing a policy, check with all the companies which credits you are entitled to. Savings may not apply in your state. To choose providers who offer free insurance quotes, click this link.

Special considerations

When it comes to choosing the best insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions may help highlight if your situation will benefit from professional help.

• Am I missing any policy discounts?
• How can I find cheaper teen driver insurance?
• Am I covered if I drive in a foreign country?
• How high should deductibles be on a 2008 Mercury Mountaineer?
• Should I buy additional glass protection?
• What is covered by UM/UIM coverage?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is my teen driver covered when they drive my company car?
• What companies insure drivers after a DUI or DWI?
• Is business property covered if stolen from my car?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Coverages available on your auto insurance policy

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on most auto insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Mercury Mountaineer.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability coverages

Liability coverage can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as court costs, repair bills for other people’s vehicles, legal defense fees and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, damage from flooding and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

Collision coverage pays for damage to your Mountaineer resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, crashing into a ditch, colliding with a tree, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses like doctor visits, pain medications and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage