Cheapest 1999 Mercury Mountaineer Insurance Rates in 2023

Trying to find better car insurance rates for your Mercury Mountaineer? Having to pay for overpriced Mercury Mountaineer insurance can empty your personal savings and put a big crunch on your finances. Comparing price quotes is a great way to lower your monthly bill.

Insurance companies such as GEICO and Progressive all promote huge savings with catchy ads and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these tips. Finding affordable coverage is easy if you know what you’re doing. Although consumers need to have an understanding of the way insurance companies sell insurance online and apply this information to your search.

The quickest method we recommend to compare rate quotes is to know the fact most larger insurance companies provide online access to give you rate quotes. All consumers are required to do is give them some information like marital status, the type of vehicles you drive, how much education you have, and your job. Your insurance information is instantly provided to many different companies and they return cost estimate instantly to find the best rate.

Get lower rates on 1999 Mercury Mountaineer insurance

Auto insurance companies don’t always publicize every discount very clearly, so we break down both well-publicized and the more hidden discounts you could be receiving.

• Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
• Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
• Defensive Driver – Taking a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
• Multiple Cars – Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
• Early Switch Discount – A few companies offer discounts for switching policies before your current policy expires. It’s a savings of about 10%.

It’s important to understand that some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like you can get free auto insurance, it just doesn’t work that way.

Insurance companies that possibly offer these benefits include:

• GEICO
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

Double check with each insurance company which discounts you may be entitled to. All car insurance discounts may not apply everywhere.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions could help you determine whether you may require specific advice.

• How high should my uninsured/underinsured coverage be in my state?
• Should I bundle my homeowners policy with my auto?
• Should I get collision insurance on every vehicle?
• Is my nanny covered when driving my vehicle?
• Are my tools covered if they get stolen from my vehicle?
• What is covered by UM/UIM coverage?
• What is an SR-22 filing?
• Is upholstery damage covered by car insurance?
• Should I sign the liability waiver when renting a car?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Car insurance 101

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average insurance policy.

Collision – This will pay to fix damage to your Mountaineer resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, colliding with a tree, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Auto liability – Liability coverage will cover damage that occurs to other’s property or people in an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like loss of income, funeral expenses and medical services. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, rock chips in glass, theft, damage from getting keyed and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like chiropractic care, dental work, pain medications and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

UM/UIM Coverage – Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Use our FREE quote tool to compare rates now!