Compare Mercury Mountaineer Insurance Quotes in Detroit

Do you want to save money by finding lower-priced Mercury Mountaineer insurance in Detroit? Overwhelmed by the sheer number of auto insurance choices in Detroit? You have so many options that it can really be a ton of work to find better auto insurance rates for Mercury Mountaineer insurance in Detroit. Detroit is an awesome place to live, but high auto insurance prices can make it very difficult to afford proper coverage amounts.

Steps to saving money on Mercury Mountaineer insurance in Detroit

To save the most money, the best way to find cheaper Mercury Mountaineer insurance is to regularly compare prices from insurers in Detroit.

• Step 1: Read about what is in your policy and the things you can control to keep rates down. Many rating criteria that cause rate increases such as traffic tickets, fender benders, and a less-than-favorable credit score can be remedied by paying attention to minor details.
• Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and State Farm, while agents who are independent can provide price quotes from multiple insurance companies.
• Step 3: Compare the new rate quotes to the premium of your current policy to see if cheaper Mountaineer coverage is available. If you can save money and buy the policy, make sure coverage does not lapse between policies.
• Step 4: Provide written notification to your current company of your decision to cancel the current policy. Submit a signed application and payment to your new carrier. Once received, keep your new certificate of insurance along with the vehicle’s registration papers.

One important bit of advice is that you’ll want to compare identical limits and deductibles on each quote request and and to get prices from as many different insurance providers as possible. Doing this guarantees a fair price comparison and a complete selection of prices.

Anyone knows that auto insurance companies want to prevent you from shopping around. People who shop around for cheaper prices will presumably switch auto insurance companies because there is a good probability of finding a policy with better rates. A recent survey found that drivers who compared rates regularly saved over $3,400 over four years compared to drivers who never shopped around for lower prices.

If finding budget-friendly rates on auto insurance in Detroit is your ultimate target, then having some insight into how to quote and compare auto insurance can make it easier to find better rates.

Consumers should take time to compare rates at least once a year since prices go up and down regularly. If you had the best rate on Mercury Mountaineer insurance in Detroit six months ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re going to get a crash course in how to quote online to reduce your cost while increasing coverage.

When comparison shopping, more quotes helps you find the best price.

The car insurance companies shown below provide price comparisons in Michigan. If you want the best cheap auto insurance in Detroit, we suggest you compare several of them to get a more complete price comparison.

Don’t overlook these Mercury Mountaineer insurance discounts

Insuring your fleet can be pricey, but there’s a good chance there are discounts that you may not even be aware of. Some trigger automatically at quote time, but some may not be applied and must be asked for prior to getting the savings.

• New Car Discount – Adding a new car to your policy can cost up to 25% less since newer vehicles are generally safer.
• Multi-policy Discount – When you have multiple policies and insure them with the same company you could earn a discount of at least 10 to 15 percent or more.
• Accident-Free Discounts – Insureds with no claims or accidents can save substantially compared to drivers who are more careless.
• Passenger Safety Discount – Cars that have air bags or automatic seat belts may qualify for discounts of more than 20%.
• Homeowners Savings – Being a homeowner may trigger a policy discount on car insurance since owning and maintaining a home is proof of financial responsibility.
• Theft Deterrent System – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.

Please keep in mind that some credits don’t apply to the whole policy. Most only reduce individual premiums such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, nobody gets a free ride.

The example below illustrates the comparison of Mercury Mountaineer auto insurance costs with and without discounts applied to the rates. The prices are based on a male driver, no violations or claims, Michigan state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, marriage, homeowner, and claim-free discounts applied.

A list of companies and some of their more popular discounts are included below.

• GEICO discounts include multi-vehicle, five-year accident-free, multi-policy, federal employee, driver training, and anti-lock brakes.
• Mercury Insurance may offer discounts for accident-free, annual mileage, good driver, ease of repair, good student, age of vehicle, and professional/association.
• Farmers Insurance has savings for bundle discounts, pay in full, mature driver, homeowner, and switch companies.
• Auto-Owners Insurance offers discounts for good student, safe vehicle, company car, paid in full, anti-lock brakes, and mature driver.
• Liberty Mutual includes discounts for new vehicle discount, good student, exclusive group savings, newly retired, and multi-policy.
• SAFECO has discounts for accident prevention training, anti-lock brakes, safe driver, teen safety rewards, homeowner, anti-theft, and multi-car.
• Progressive offers discounts including continuous coverage, good student, online quote discount, homeowner, and online signing.
• USAA may include discounts for good student, military installation, safe driver, loyalty savings, driver training, and family discount.

When getting free Detroit car insurance quotes, it’s a good idea to every company which discounts they offer. Some of the earlier mentioned discounts may not apply to policyholders in Detroit. To locate car insurance companies with discount rates in Michigan, click here.

Mercury Mountaineer insurance charts and tables

The premium information displayed next highlights estimates of coverage prices for Mercury Mountaineer models. Being aware of how rate quotes are calculated can be valuable when making informed decisions when comparing rates.

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can change coverage rates considerably.

Physical damage deductible comparison

One of the more difficult decisions when buying car insurance is which deductibles should you choose. The rates shown below help summarize how much more you’ll pay when you select higher and lower deductibles. The first data table uses a $100 deductible and the second price chart uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in Detroit location which can increase or decrease premiums considerably.

Based on the data above, we can derive that using a $100 deductible costs about $72 more each month or $864 annually than opting for the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average more than 13 months between claims, you would most likely save money if you decide on a higher deductible.

An important sidenote is that higher deductibles means you pay more out-of-pocket when you have a physical damage claim. That will necessitate enough money stashed away in the event you have to pay the deductible for vehicle repair.

Cost difference between full coverage and liability

The example below visualizes the comparison of Mercury Mountaineer auto insurance rates with full coverage compared to only the Michigan minimum liability coverage. The price estimates are based on no accidents or driving violations, $250 deductibles, drivers are single, and no other discounts are factored in.

When to buy liability coverage only

There is no set rule to stop paying for comp and collision coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Mercury Mountaineer settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $8,000 after the deductible is paid. If you are currently paying more than $800 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where eliminating full coverage is not in your best interest. If you still have a lienholder on your title, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Detroit Insurance Costs are Influenced by These Factors

Smart consumers have a good feel for a few of the rating criteria that go into determining the level of your policy premiums. When you know what positively or negatively influences your rates, this allows you to make good choices that can help you get much lower annual insurance costs. Lots of things are used when you get a price on insurance. Some factors are common sense like a motor vehicle report, but other factors are less apparent like your vehicle usage or how financially stable you are.

The items below are some of the most rate-impacting factors utilized by car insurance companies to help set premiums.

• Good credit saves on car insurance – Credit history is a big factor in determining premium rates. Insureds with high credit scores tend to be more responsible and file fewer claims than those with poor credit. So if your credit history leaves room for improvement, you could be paying less to insure your Mercury Mountaineer by improving your rating.
• Too many car insurance claims drive up car insurance rates – If you are the type of insured that files lots of claims you shouldn’t be surprised to get higher premiums or even policy non-renewal. Companies in Michigan generally give lower rates to insureds who are claim-free. Auto insurance is designed for the large, substantial claims.

• High performance vehicles cost more to insure – The performance of the car, truck or SUV you own makes a significant difference in your car insurance bill. Smaller low performance passenger vehicles usually have the lowest rates, but your final cost has many other factors.

  The chart below uses these variables: single female driver age 40, full coverage with $250 deductibles, and no discounts or violations. It shows Mercury Mountaineer car insurance rates compared to other models of vehicles that have a range of risk factors.

• Car plus home equals more savings – Most car insurance companies give lower prices to buyers that buy multiple policies such as combining an auto and homeowners policy. Even with this discount applied, consumers should still compare other company rates to ensure the best deal. You may still be able to find better rates by insuring with multiple companies.
• Lower premiums with theft deterrents – Owning a car with an alarm system can help lower your rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart vehicle theft.
• Where you live can modify costs – Having an address in small towns and rural areas is a positive aspect when it comes to car insurance. Residents of big cities have to deal with more traffic problems and longer commutes to work. Lower population means less chance of accidents and a lower car theft rate.

• Driving citations can increase prices – Getting just one moving violation could increase your next policy renewal by twenty percent. Drivers with clean records have lower premiums compared to drivers with tickets. Drivers who have gotten flagrant violations such as hit and run, DWI or reckless driving convictions are required to complete a SR-22 with the DMV in their state in order to prevent their license from being revoked.

  The information below shows how violations and at-fault accidents can affect Mercury Mountaineer premium costs for different categories of driver ages. The prices are based on a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

• Annual miles is a factor – The more you drive in a year’s time the more you’ll pay to insure your vehicle. A lot of companies calculate rates based on their usage. Cars that do not get driven very much receive lower rates than those used for commuting. It’s a smart idea to ensure your policy is rated on the correct driver usage. An incorrectly rated Mountaineer can result in significantly higher rates.