Affordable Quotes for Mercury Mountaineer Insurance in Mesa

The best way to get affordable Mercury Mountaineer insurance in Mesa is to start comparing prices regularly from companies in Arizona.

• Step 1: Gain an understanding of how insurance works and the modifications you can make to prevent expensive coverage. Many rating criteria that result in higher rates such as traffic violations and a less-than-favorable credit rating can be amended by paying attention to minor details.
• Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Allstate, while independent agencies can quote prices for a wide range of companies.
• Step 3: Compare the new quotes to the price on your current policy to see if switching to a new carrier will save money. If you find a lower rate and decide to switch, make sure there is no lapse in coverage.
• Step 4: Give proper notification to your current agent or company to cancel the current policy and submit a down payment and signed policy application for your new coverage. As soon as you have the new policy, store the certificate verifying coverage in your vehicle’s glove compartment or console.

A key point to remember is that you use identical coverages on every quote and and to analyze all possible companies. This enables the most accurate price comparison and the best price quote selection.

Remarkably, a study showed that a large majority of consumers kept their coverage with the same auto insurance company for a minimum of four years, and about 40% of consumers have never even shopped around for cheap coverage. Arizona consumers can save nearly 50% each year, but they just don’t understand the actual amount they would save if they just switched companies.

Cheaper rates with these discounts

Car insurance companies do not advertise the entire discount list very clearly, so here is a list both the well known as well as some of the hidden discounts that you can inquire about if you buy Mesa car insurance online.

• Good Grades Discount – Being a good student can save 20 to 25%. Most companies allow this discount up until you turn 25.
• Air Bag Discount – Options like air bags or automatic seat belts may earn rate discounts of more than 20%.
• Low Mileage Discounts – Driving fewer miles could earn substantially lower rates.
• Student Discount for Driver Training – Require your teen driver to take driver’s ed class if offered at their school.
• Multiple Policy Discount – If you combine your home and auto policies and insure them with the same company you could get a discount of over 10 percent off each policy depending on the company.
• New Car Discount – Buying coverage on a new vehicle can save up to 30% because new vehicles keep occupants safer.
• Discount for Swiching Early – Some insurance companies give discounts for switching companies before your current Mountaineer insurance policy expires. This discount can save up to 10%.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts should help lower the premium cost.

The illustration below compares Mercury Mountaineer insurance costs with and without discounts applied to the policy rates. The data assumes a female driver, no violations or claims, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, claim-free, safe-driver, and multi-car discounts applied.

Insurance companies that may include most of these discounts include:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

When getting free Mesa car insurance quotes, it’s a good idea to every insurance company how many discounts you can get. Some of the discounts discussed earlier may not apply everywhere. To locate insurers that offer discounts in Mesa, click this link.

How to get Mesa Mercury Mountaineer insurance quotes

When shopping for cheaper Mesa car insurance quotes, there are a couple of ways to obtain and compare prices from different Mesa insurance companies. The easiest way to compare rates consists of shopping online.

When price shopping your coverage, making a lot of price comparisons provides better odds of finding a better price. Not every company provides online rate quotes, so it’s important to also get rates from those companies as well.

The car insurance companies shown below are our best choices to provide comparison quotes in Mesa, AZ. If multiple companies are listed, we suggest you get rate quotes from several of them in order to find the most affordable rates.

Mercury Mountaineer coverage statistics

The premium table shown below outlines detailed analysis of insurance policy prices for Mercury Mountaineer models. Having a better understanding of how car insurance prices are formulated can help customers make decisions on the best policy to buy.

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in specific garaging location which can modify coverage rates significantly.

Should you raise deductibles?

When comparing insurance rates, the most common question is how high should the physical damage coverage deductibles be. The data tables below illustrate how much more rates are when you select higher and lower deductibles. The first data set uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Price estimates do not factor in specific location information which can revise coverage prices substantially.

Using the premium rates above, we can conclude that using a $100 deductible could cost the average driver approximately $22 more each month or $264 every year than choosing the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 18 months between claim filings, you would most likely save money if you choose the higher deductible.

The diagram below demonstrates how deductibles and can affect Mercury Mountaineer insurance costs for different age categories. The prices are based on a married male driver, comp and collision included, and no discounts are factored in.

Full coverage versus liability only rates

The chart below shows the comparison of Mercury Mountaineer yearly insurance costs with liability coverage only compared to full coverage. The rates are based on no violations or accidents, $1,000 deductibles, drivers are not married, and no discounts are factored in.

Are you wasting money paying for full coverage?

There is no clear-cut rule to stop paying for comp and collision coverage, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Mercury Mountaineer replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $3,000 after the policy deductible has been paid. If you are paying more than $300 annually to have full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where buying only liability insurance is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Buy Mercury Mountaineer Insurance Cheaper

Consumers need to have an understanding of the rating factors that help calculate auto insurance rates. When you understand what positively or negatively impacts your premiums, this enables you to make decisions that may result in lower premium levels. Many different elements are used when pricing auto insurance. Some are pretty understandable such as your driving record, although some other factors are less apparent such as whether you are married or your financial responsibility.

Do you save by driving less? – Driving a lot of miles annually the higher your rate. A lot of insurance companies apply a rate based upon how you use the vehicle. Autos that do not get driven very much get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance policy reflects the right rating data. Having an incorrect usage rating on your Mountaineer may be costing you.

Fast cars cost more to insure – The make and model of the vehicle you need to insure makes a substantial difference in your rates. Lower cost passenger cars usually are quite affordable to insure, but that’s not the only thing that factors into the final price.

The data below uses these variables: single male driver age 30, full coverage with $250 deductibles, and no discounts or violations. The chart compares Mercury Mountaineer insurance premiums compared to other models of vehicles that have different performance rating factors.

Marriage is a factor – Having a wife or husband actually saves money compared to being single. It may mean you are more mature than a single person and statistics show married drivers tend to have fewer serious accidents.

Does auto insurance cost less for females? – The statistics show females are less aggressive when driving. However, this does not mean men are worse drivers. Men and women are in at-fault accidents in similar numbers, but the male of the species tend to have higher claims. Men also receive more costly citations such as DWI and reckless driving.

The information below shows the difference between Mercury Mountaineer car insurance rates for male and female drivers. The rates are based on a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are factored in.

Prevent policy lapses – Driving without insurance coverage in place is not a good idea and you will pay a penalty because you let your insurance expire. In addition to paying higher rates, getting caught without coverage could earn you a revoked license or a big fine. You may need to submit proof of financial responsibility or a SR-22 with the Arizona DMV.

Stay claim-free and save – Car insurance companies in Arizona award lower rates to people who are claim-free. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

Tailor your car insurance coverage to you

When quoting and comparing your policy, there really isn’t a “perfect” insurance plan. Your financial needs are unique.

Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.

• Does low annual mileage earn a discount?
• What is roadside assistance coverage?
• Is my trailer covered?
• What is high-risk coverage and where do I buy it?
• Does having multiple vehicles earn me a discount?
• Should I rate my Mercury Mountaineer as pleasure use or commute?
• Does insurance cover damages from a DUI accident?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Get rate quotes but buy from a local Mesa insurance agent

A lot of people just prefer to sit down with an agent and often times that is recommended The best thing about getting online price quotes is you may find the best rates and still have an agent to talk to.

By using this quick form, your insurance data is instantly submitted to companies in Mesa who want to provide quotes to get your business. It’s much easier because you don’t need to find an agent because prices are sent to your email. Get lower rates without requiring a lot of work. If you need to compare rates from a specific company, feel free to search and find their rate quote page and submit a quote form there.

Finding the right provider requires more thought than just the bottom line cost. Any agent in Mesa should be willing to answer these questions.

• What company do they have the most business with?
• Can they give you a list of client referrals?
• Are there any extra charges for paying monthly?
• How many years of experience in personal auto insurance do they have?
• Do they receive special compensation for putting your coverage with one company over another?
• How does the company pay claims for a total loss?
• Do they specialize in personal lines auto insurance in Mesa?
• Is the agent and/or agency licensed to do business in Arizona?

When narrowing the list to find a local Mesa insurance agent, it’s important to understand the different agency structures that you can select. Agencies in Mesa can be classified as either independent (non-exclusive) or exclusive.

Exclusive Insurance Agencies

Agents that elect to be exclusive write business for a single company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. They are unable to provide prices from multiple companies so keep that in mind. They are well schooled on their company’s products which helps them compete with independent agents. Many people buy insurance from these agents mainly due to loyalty to the company and solid financial strength.

Listed below is a short list of exclusive insurance agents in Mesa that can give you comparison quotes.

• American Family Insurance – Mike Stapley
  4850 E Baseline Rd Ste 101 – Mesa, AZ 85206 – (480) 503-4400 – View Map
• Allstate Insurance: Roger Bentley
  3740 E Southern Ave Ste 201 – Mesa, AZ 85206 – (480) 830-4650 – View Map
• Roger Downey – State Farm Insurance Agent
  2220 S Country Club Dr #100 – Mesa, AZ 85210 – (480) 892-6079 – View Map

More Mesa agents

Independent Agencies or Brokers

Independent agents are not required to write business for one company and that allows them to write policies with an assortment of companies and find you the best rates. If they find a cheaper price, they simply move your policy to a different company and you don’t have to do anything. When comparing rates, we highly recommend that you get quotes from independent agents to ensure the widest selection of prices. Most have the option of insuring with less well-known companies that can offer cheaper rates than bigger companies.

The following is a list of independent insurance agents in Mesa that can give you price quote information.

• Nationwide Insurance: Isakson Ins Agency Inc
  1819 E Southern Ave, Ste E20 – Mesa, AZ 85204 – (480) 888-0318 – View Map
• The Adams Agency
  3851 E Main St – Mesa, AZ 85205 – (480) 924-2600 – View Map
• INW Insurance Group
  4545 E Southern Ave #106 – Mesa, AZ 85206 – (480) 626-0797 – View Map

More Mesa agents

After you get reasonable responses to your questions and a low price estimate, it’s a good possibility that you have found an insurance agent that is a good match to service your policy. But remember, consumers can terminate coverage at any point so never assume that you are obligated to any specific agency for any length of time.

Car insurance is not optional

Even though it’s not necessarily cheap to insure a Mercury in Mesa, paying for car insurance is required for several reasons.

First, most states have minimum liability requirements which means the state requires a specific minimum amount of liability in order to license the vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your car has a lienholder, most lenders will make it mandatory that you have insurance to guarantee loan repayment. If you do not keep the policy in force, the lender may have to buy a policy to insure your Mercury for a much higher rate and require you to reimburse them the higher premium.

Third, insurance safeguards both your assets and your Mercury Mountaineer. It will also cover medical transport and hospital expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.

The benefits of having car insurance greatly outweigh the cost, particularly when you have a large claim. According to a recent study, the average American driver overpays more than $869 every year so compare quotes from several companies each time the policy renews to help ensure money is not being wasted.

You can find cheap coverage

A few companies do not offer rates over the internet and these small, regional companies only sell coverage through local independent agents. Cheaper Mercury Mountaineer insurance in Mesa can be purchased from both online companies in addition to local insurance agencies, so you should compare both to have the best chance of lowering rates.

We just presented a lot of tips how to save on Mercury Mountaineer insurance in Mesa. The key concept to understand is the more times you quote, the higher your chance of finding affordable Mesa car insurance quotes. You may even discover the lowest premium rates come from a company that doesn’t do a lot of advertising.

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. In too many instances, an insured dropped liability coverage limits only to regret that the savings was not a smart move. The goal is to buy a smart amount of coverage for the lowest price, but do not skimp to save money.

To learn more, feel free to visit these articles:

• Auto Insurance Learning Center (State Farm)
• Who Has Affordable Mesa Car Insurance Quotes for Good Drivers? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for Safe Drivers in Mesa? (FAQ)
• Think You’re a Safe Driver? (State Farm)
• Understanding Car Crashes Video (iihs.org)
• Avoiding Deer Collisions (Insurance Information Institute)
• Booster Seat Ratings (iihs.org)