Drivers have lots of choices when trying to find low-cost Mercury Mountaineer insurance. They can either spend hours calling around to compare prices or save time using the internet to find the lowest rates. There is a better way to shop for car insurance and you need to know the proper way to price shop coverage for your Mercury and locate the lowest price from local insurance agents and online providers.
Smart consumers take time to price shop coverage once or twice a year since rates are usually higher with each renewal. Even if you think you had the best price for Mountaineer coverage on your last policy there is a good chance you can find better rates now. Forget all the misinformation about car insurance because you’re about to learn the best methods to reduce your cost while improving coverage.
How to Buy Car Insurance Online
There are a lot of ways to shop for car insurance, but there is one way that is easier and takes less work. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you could use online quotes to get rates in a matter of minutes.
Many insurance companies take part in a program where prospective buyers complete one form, and at least one company returns a rated price. This prevents consumers from doing quote requests for each company you want a rate for.
To compare pricing click here (opens in new window).
The only drawback to comparing rates this way is you cannot specify the insurers you want pricing from. So if you prefer to choose from a list of companies to compare, we have assembled a list of the cheapest car insurance companies in your area. Click here to view list.
It’s your choice how you get your quotes, but double check that you are using identical coverage limits with every price quote. If the quotes have higher or lower deductibles you can’t possibly determine which rate is truly the best.
Take advantage of discounts
Companies don’t necessarily list every discount very well, so the following is a list of both well-publicized and also the lesser-known ways to save on car insurance. If you don’t get every credit you deserve, you’re just leaving money on the table.
- Auto/Home Discount – When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
- Drivers Ed for Students – Have your child enroll in driver’s education in high school.
- Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Mountaineer coverage than drivers with accidents.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
- Multiple Vehicles – Having multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
- Passive Restraints – Factory air bags or motorized seat belts can qualify for discounts of more than 20%.
- Low Mileage – Keeping the miles down on your Mercury can qualify you for better rates on cars that stay parked.
Drivers should understand that most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way.
Shop online but buy locally
Some people prefer to buy from a licensed agent and that is OK! Insurance agents can help determine the best coverages and give you peace of mind. One of the great benefits of comparing insurance prices online is that you can obtain lower rates but still work with a licensed agent.
Once you complete this quick form, your insurance coverage information gets sent to insurance agents who will compete for your insurance coverage. There is no need to even leave your home as quotes are delivered to your email. How cool is that?!
Selecting an insurer shouldn’t rely on just a low price. Any agent should have no problem answering these questions:
- How many years of experience in personal lines insurance coverages do they have?
- Do they review policy coverages at every renewal?
- Does the agency support the community they serve?
- Can they provide you with a list of referrals?
- Will your rates increase after a single accident?
- Do they make recommendations based only on price?
What type of auto insurance agent is right for you?
When looking for local agents, you need to know there are two different types of agents to choose from. Agents are categorized either independent or captive. Either one can properly insure your vehicles, but it’s worth mentioning how they differ because it can influence your selection of an agent.
Agency Captives
Captive agencies can only write with one company and some examples include American Family, Liberty Mutual and AAA. These agents are not able to provide prices from multiple companies so they have to upsell other benefits. These agents are well schooled in insurance sales and that can be a competitive advantage. Consumers sometimes choose to use a captive agent primarily because of loyalty to the company and solid financial strength.
Independent Agents (or Brokers)
Independent agents do not work for one specific company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent. When comparison shopping, it’s recommended you include price quotes from at least one independent agent for maximum quote selection.Many can place coverage with smaller companies which can save you money.
For a full directory of agents, visit this site.
Upon getting reasonable responses for all questions you ask and an acceptable price quote, it’s possible that you found an insurance agent that will properly insure your vehicles.
There’s no such thing as the perfect policy
When buying 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 may help highlight if you may require specific advice.
- Do I really need UM/UIM coverage?
- Does my car insurance cover rental cars?
- Should I rate my Mercury Mountaineer as pleasure use or commute?
- Should I sign the liability waiver when renting a car?
- When should I not file a claim?
- Exactly who is provided coverage by my policy?
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 an insurance agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.
Final thoughts
As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. Your goal should be to find the BEST coverage at an affordable rate while still protecting your assets.
Low-cost Mercury Mountaineer insurance is definitely available from both online companies and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.
We just covered many tips how you can shop for Mercury Mountaineer insurance online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with a small mutual company.
