Best Rate Quotes for Mercury Mountaineer Insurance in Los Angeles

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Insurance rates Mercury Mountaineer in Los AngelesNo sane person gets a kick out of paying for car insurance, especially when they are aware that they could find better prices if they shop around.

Everyone knows that auto insurance companies don't want their customers to go rate shopping. Consumers who shop rates annually will most likely buy a new policy because they have good chances of finding a lower-priced policy. A recent car insurance study revealed that people who compared rates annually saved on average $3,450 over four years as compared to drivers who never compared rates.

If saving money on Mercury Mountaineer insurance is the reason you're reading this, then understanding how to shop for insurance coverage can make it easier for you to save money.

Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate persitently shower you with ad campaigns and it is challenging if not impossible to ignore the flying pigs and cute green geckos and find the best price available.

It's a good habit to check car insurance prices periodically since prices tend to go up over time. Just because you had the lowest rate on Mercury Mountaineer insurance in Los Angeles a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to the best way to buy cheaper Mercury Mountaineer insurance in Los Angeles.

Lower rates by qualifying for discounts

Some providers don't always advertise all possible discounts very well, so we took the time to find both well-publicized as well as some of the hidden credits available to bring down your rates. If you aren't receiving every discount you deserve, you are not getting the best rate possible.Save money with discounts

  • Seat Belt Discounts - Requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Los Angeles Homeowners Pay Less - Simply owning a home may trigger a policy discount on car insurance since owning and maintaining a home means you have a higher level of financial diligence.
  • Save over 55 - Drivers that qualify as senior citizens can possibly qualify for reduced rates.
  • Discounts for Safe Drivers - Insureds without accidents can save as much as half off their rates than their less cautious counterparts.
  • Multi-car Discount - Having all your vehicles on the same car insurance policy could earn a price break for each car.
  • Early Payment Discounts - If paying your policy premium upfront rather than spreading payments over time you could save up to 5%.

You can save money using discounts, but most of the big mark downs will not be given to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. So when it seems like it's possible to get free car insurance, insurance companies wouldn't stay in business.

The example below shows the comparison of Mercury Mountaineer premium costs with and without discounts applied to the policy premium. The prices are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, homeowner, claim-free, and multi-car discounts applied.

Large car insurance companies and some of the discounts are outlined below.

  • Farm Bureau has savings for good student, driver training, multi-vehicle, youthful driver, renewal discount, 55 and retired, and safe driver.
  • State Farm offers discounts including defensive driving training, good driver, Drive Safe & Save, good student, student away at school, and multiple policy.
  • Progressive policyholders can earn discounts including multi-vehicle, homeowner, online signing, multi-policy, continuous coverage, good student, and online quote discount.
  • Allstate may offer discounts for farm vehicle, defensive driver, FullPay discount, resident student, teenSMART discount, premier plus, and auto/life discount.
  • Nationwide offers premium reductions for family plan, accident-free, Farm Bureau membership, easy pay, and business or organization.
  • MetLife has discounts for defensive driver, good driver, claim-free, accident-free, and good student.

When getting a coverage quote, ask each company or agent to apply every possible discount. Savings may not apply to policyholders in Los Angeles. To see a list of insurance companies with the best Mercury Mountaineer insurance discounts in Los Angeles, follow this link.

The easiest way to compare car insurance rates for Mercury Mountaineer insurance in Los Angeles is to know the trick almost all companies actually pay money for the chance to provide you with a free rate quote. To get started, all you need to do is provide the companies a bit of rating information such as your occupation, how old drivers are, if a SR-22 is needed, and your credit rating estimate. That rating data is submitted instantly to insurance companies and you get price estimates with very little delay.

If you would like to compare rates now, click here and complete the quick form.

The following companies provide price quotes in Los Angeles, CA. If multiple companies are shown, we recommend you click on several of them to find the most competitive auto insurance rates.

Mercury Mountaineer insurance coverage information

The information displayed below highlights estimates of insurance policy prices for Mercury Mountaineer models. Learning how auto insurance premiums are calculated can be valuable when making smart choices when buying a car insurance policy.

Mercury Mountaineer Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $278 $464 $442 $26 $132 $1,342 $112
Mountaineer AWD $314 $464 $442 $26 $132 $1,378 $115
Mountaineer Premier 2WD $314 $546 $442 $26 $132 $1,460 $122
Mountaineer Premier AWD $314 $546 $442 $26 $132 $1,460 $122
Get Your Own Customized Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Prices do not factor in specific Los Angeles garaging location which can modify rates substantially.

Comparison of policy deductibles

When buying insurance, a common question is the level to set your comp and collision deductibles. The rates shown below summarize the difference in cost between low and high coverage deductibles. The first rate table uses a $100 deductible and the second rate table uses a $500 deductible.

Mercury Mountaineer insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $380 $686 $442 $26 $132 $1,691 $141
Mountaineer AWD $430 $686 $442 $26 $132 $1,741 $145
Mountaineer Premier 2WD $430 $810 $442 $26 $132 $1,865 $155
Mountaineer Premier AWD $430 $810 $442 $26 $132 $1,865 $155
Get Your Own Customized Quote Go
Mercury Mountaineer insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $278 $464 $442 $26 $132 $1,342 $112
Mountaineer AWD $314 $464 $442 $26 $132 $1,378 $115
Mountaineer Premier 2WD $314 $546 $442 $26 $132 $1,460 $122
Mountaineer Premier AWD $314 $546 $442 $26 $132 $1,460 $122
Get Your Own Customized Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Price estimates do not factor in specific zip code location which can decrease or increase prices substantially.

Based on this data, using a $100 deductible will cost you about $31 more each month or $372 every year across all Mercury Mountaineer models than quoting the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 13 months between claim filings, you would probably save some money by going with a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $149
Average monthly premium for $500 deductibles (subtract): - $118
Monthly savings from raising deductible: $31
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One thing to be aware of is that raising deductibles to get cheaper rates means you will have to pay more when you file a claim. It will be required that you have enough money put aside in the event you have to pay the higher deductible.

Situations that may require an agent's advice

When choosing coverage online or from an agent for your personal vehicles, there really is no best way to insure your cars. Everyone's needs are different.Safe vehicles cost less to insure

These are some specific questions may help highlight if your situation may require specific advice.

  • Can my teen drive my company car?
  • Am I covered when driving someone else's vehicle?
  • How can I get high-risk coverage after a DUI?
  • Can I get a multi-policy discount?
  • What companies insure drivers after a DUI or DWI?
  • How high should my medical payments coverage be?

If it's difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don't have a local agent, complete this form.

Insurance agent or online?

A small number of people still prefer to talk to a local agent and that is a personal choice. A good thing about comparing rate quotes online is you may find cheap insurance quotes but also keep your business local.

Upon completion of this form (opens in new window), the coverage information is emailed to companies in Los Angeles who want to provide quotes and help you find cheaper coverage. It's much easier because you don't need to contact any insurance agencies as quotes are delivered directly to your email. You can get cheaper insurance rates and work with a local agent. If you wish to compare rates from a specific company, just navigate to their website and give them your coverage information.

Selecting an insurance company is decision based upon more than just the premium amount. Ask your prospective agent these questions:

  • Is there a Errors and Omissions policy in force?
  • Does the agent recommend any additional coverage?
  • How long have they been in business?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?

One last thing to lower rates

When getting Los Angeles auto insurance quotes online, don't be tempted to skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced full coverage and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage for the lowest cost while not skimping on critical coverages.

Budget-friendly auto insurance in Los Angeles is available from both online companies in addition to many Los Angeles insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some companies may not provide rates over the internet and these smaller providers prefer to sell through independent agencies.

People leave their current company for a number of reasons such as unfair underwriting practices, delays in paying claims, delays in responding to claim requests or even extreme rates for teen drivers. Regardless of your reason, switching auto insurance companies can be less work than you think.

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