Car Insurance Rate Quotes for a Mercury Mountaineer in Cleveland

The best way we recommend to get low-cost auto insurance rates is to compare quotes annually from providers who provide auto insurance in Cleveland. Drivers can shop around by following these guidelines.

• Step 1: Gain an understanding of what is in your policy and the factors you can control to lower rates. Many things that result in higher rates like multiple speeding tickets and a less-than-favorable credit history can be rectified by making lifestyle changes or driving safer. This article gives tips to get cheaper rates and find available discounts that you may qualify for.
• Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO and Allstate, while agents who are independent can provide price quotes from multiple companies.
• Step 3: Compare the new rate quotes to your existing policy to see if switching to a new carrier will save money. If you can save some money, make sure there is no lapse between the expiration of your current policy and the new one.
• Step 4: Provide adequate notice to your current company of your decision to cancel the current policy and submit payment and a signed application to your new insurance company. Immediately keep the new certificate verifying coverage with your vehicle’s registration.

An important bit of advice to remember is that you’ll want to compare the same physical damage deductibles and liability limits on every quote request and and to get rates from as many companies as possible. Doing this enables the most accurate price comparison and a complete price analysis.

Sad but true, a large majority of insurance policyholders kept their coverage with the same insurance company for at least the last four years, and practically 40% of insurance customers have never even compared quotes to find cheaper rates. Most drivers in Ohio can cut their rates by roughly $730 a year just by comparing rates, but they underestimate the rate savings if they moved their coverage to a different company.

Cheapest Mercury Mountaineer insurance rate quotes in Cleveland, OH

When quoting auto insurance, remember that making a lot of price comparisons will enable you to find the best rates.

The companies shown below have been selected to offer free rate quotes in Cleveland, OH. If you want the best auto insurance in Cleveland, we suggest you visit several of them in order to get a fair rate comparison.

Insurance coverage details

The coverage table displayed next outlines a range of coverage costs for Mercury Mountaineer models. Having a good understanding how insurance prices are established helps drivers make decisions when shopping your coverage around.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can change prices considerably.

Higher deductibles save money

When buying car insurance, a common question is how low should you set your deductibles. The data tables below determine the cost difference between high and low comp and collision deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium amounts do not factor in zip code location which can influence insurance rates noticeably.

Based on the figures above, using a $250 deductible costs an average of $19 more each month or $228 each year than quoting the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 39 months between claims, you would probably be better off by going with a higher deductible.

Gender differences in car insurance premiums

The chart below illustrates the difference between Mercury Mountaineer car insurance costs for male and female drivers. The data is based on no claims or driving violations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are applied.

Cost difference between full coverage and liability

The illustration below compares Mercury Mountaineer car insurance rates with full physical damage coverage and with liability coverage only. The rate quotes are based on no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are applied.

When to stop buying physical damage coverage

There isn’t a steadfast formula to delete physical damage coverage, but there is a general guideline. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s pretend your Mercury Mountaineer replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after paying your policy deductible. If premiums are more than $500 a year for full coverage, then it may be the right time to buy liability only.

There are a few cases where buying only liability insurance is not a good idea. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.

Insurance just makes sense

Even though it’s not necessarily cheap to insure a Mercury in Cleveland, buying insurance may not be optional for several reasons.

• The majority of states have minimum mandated liability insurance limits which means you are required to carry specific minimum amounts of liability insurance coverage in order to drive the car. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your Mountaineer with a loan, more than likely the lender will make it mandatory that you buy full coverage to protect their interest in the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Mercury at a more expensive rate and force you to reimburse them for the much more expensive policy.
• Insurance protects not only your vehicle but also your assets. It also can pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability coverage also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If your Mercury gets damaged, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of buying insurance more than cancel out the cost, especially when you need to use it. The average driver in America is overpaying more than $869 every year so shop around once a year at a minimum to ensure rates are competitive.

How do Insurance Companies Determine Mercury Mountaineer Insurance Premiums?

An important part of buying insurance is that you know the different types of things that come into play when calculating insurance rates. When consumers understand what determines base rates, this allows you to make good choices that could help you find big savings.

• Performance impacts insurance prices – The performance level of the car or truck you are insuring makes a significant difference in your auto insurance rates. The lowest performance passenger cars receive the most favorable rates, but there are many factors that impact the final cost.

  The data below is based on a single male driver age 50, full coverage with $250 deductibles, and no discounts or violations. It illustrates Mercury Mountaineer rates compared to other models of vehicles that have different risk factors.

• Bad drivers pay high costs – A bad driving record can have a huge impact on auto insurance premiums. Attentive drivers pay less for auto insurance than bad drivers. Having a single speeding ticket can bump up the cost by as much as thirty percent. People who have flagrant citations like DUI or reckless driving may need to maintain a SR-22 with the DMV in their state in order to continue driving.

  The diagram below highlights how speeding tickets and at-fault accidents increase Mercury Mountaineer auto insurance costs for different ages of insureds. The rates are based on a married female driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

• More stress means more cost – Do you have a high-stress occupation? Occupations such as fire fighters, air traffic controllers, and medical professionals have the highest rates because of job stress and long work days. On the other hand, jobs like actors, historians and homemakers pay the least.
• Save money with responsible credit – An insured’s credit score is likely to be a major factor in calculating your premium rate. Insureds with good credit tend to be more responsible than drivers who have lower credit scores. So if your credit could use some work, you could save money insuring your Mercury Mountaineer by spending a little time repairing your credit.
• Bundle policies and save – Many companies give better rates to people that buy multiple policies such as combining an auto and homeowners policy. If you currently are using one company, you may still want to compare Mercury Mountaineer rates in Cleveland to make sure you are getting the best deal. You may still be able to save money by buying insurance from a different company.
• City dwellers may pay more – Having an address in less populated areas of the country can save you money when it comes to insurance. Fewer drivers translates into fewer accidents and lower theft and vandalism rates. City drivers regularly have more aggressive driving styles and much longer commute distances. More time commuting means higher likelihood of an accident.
• Lower rates with alarm systems – Owning a car that has an advanced theft prevention system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft.
• Pleasure use or commuting – The more you drive every year the more you will pay for insurance. Almost all companies price each vehicle’s coverage based on their usage. Cars and trucks that do not get driven very much get more affordable rates as compared to vehicles used primarily for driving to work. A policy that improperly rates your Mountaineer may be costing you higher rates. Double check that your insurance policy states how each vehicle is driven.

Cleveland insurance discounts for a Mercury Mountaineer

Some insurance providers don’t always list their entire list of discounts very clearly, so the below list has both the well known and the more hidden credits that you can use to lower your rates.

• Low Mileage Discounts – Driving less could be rewarded with lower premium rates on the low mileage vehicles.
• Service Members Pay Less – Being on active deployment in the military may lower your prices slightly.
• Auto/Home Discount – If you can combine your auto and home policy with the same company you could earn a discount of as much as 10 to 15 percent.
• No Claim Discounts – Insureds who avoid accidents and claims can save substantially as compared to policyholders that have many claims.
• Telematics Data – Cleveland drivers who agree to allow their company to monitor driving manner by using a telematics device such as State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.
• Defensive Driving Course – Successfully completing a course teaching safe driver skills could save 5% or more if your company offers it.
• Good Student – Being a good student can save 20 to 25%. This discount can apply up to age 25.
• Theft Deterrent Discount – Cars optioned with advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a Cleveland car insurance quote.
• Early Switch Discount – A few insurance companies give discounts for switching companies before your current Mountaineer insurance policy expires. You could save around 10% when you buy Cleveland car insurance online.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, nobody gets a free ride.

The example below illustrates the comparison of Mercury Mountaineer car insurance rates with and without discounts applied. The premiums assume a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, multi-car, safe-driver, and multi-policy discounts applied.

Companies that may offer some of the above discounts may include but are not limited to:

• State Farm
• American Family
• GEICO
• 21st Century
• Progressive

If you need affordable Mercury Mountaineer insurance quotes, ask every prospective company which discounts you may be entitled to. All car insurance discounts may not be available everywhere.

It’s not one size fits all

When choosing insurance from an agent or online for your personal vehicles, there really isn’t a single plan that fits everyone. Each situation is unique so your insurance needs to address that.
Here are some questions about coverages that may help you determine if you would benefit from professional advice.

• Does coverage extend to Mexico or Canada?
• Why am I be forced to buy a membership to get insurance from some companies?
• Should I get collision insurance on every vehicle?
• Do I need more liability coverage?
• Am I covered if my car is in a flood?
• What is the rate difference between pleasure use and commuting?
• Where can I get insurance after a DUI in Ohio?
• Do I have coverage for damage caused while driving under the influence?
• Can I rate high risk drivers on liability-only vehicles?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Getting quotes from local Cleveland car insurance agents

A small number of people just prefer to talk to an insurance agent and that is recommended in a lot of cases A good thing about getting free rate quotes online is that drivers can save money and get the lowest rates and still have an agent to talk to. And providing support for local agents is especially important in Cleveland.

To make it easy to find an agent, after completing this short form, the quote information is instantly submitted to insurance agents in Cleveland who will give competitive quotes and help you find cheaper coverage. There is no reason to find an agent because prices are sent directly to your email. It’s the lowest rates without a big time investment. If you want to compare prices from a specific company, just search and find their rate quote page and fill out their quote form.

Pick the best car insurance agent in Cleveland for you

If you’re trying to find an insurance agent, it’s important to understand the different types of agencies that differ in how they can insure your vehicles. Agents in Cleveland can be categorized as either independent or exclusive.

Independent Insurance Agents

These type of agents do not write with just one company and that enables them to quote your coverage with lots of companies and possibly get better coverage at lower prices. If prices rise, an independent agent can move your coverage and you don’t have to do anything. If you need lower rates, we recommend you get some free quotes from independent agents for maximum quote selection.

Listed below are independent agents in Cleveland that may be able to give competitive price quotes.

View more Cleveland agents

Exclusive Insurance Agents

Exclusive agents are contracted to one company like AAA, Allstate, and State Farm. They are unable to place coverage with different providers so it’s a take it or leave it situation. These agents are highly trained on sales techniques and that enables them to sell even at higher rates.

The following are exclusive insurance agencies in Cleveland that can give you price quote information.

View more Cleveland agents

Picking an car insurance agent is decision based upon more than just the quoted price. The following questions are important to ask.

• Is working in the agency their full-time job?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• If you have an accident, will your rates go up?
• Will their companies depreciate repairs to your car based on the mileage?
• Can you use your own choice of collision repair facility?

You can find cheap coverage

The cheapest Mercury Mountaineer insurance in Cleveland is possible both online and from local insurance agents, so get free Cleveland car insurance quotes from both of them to have the best selection. Some auto insurance companies do not provide online rate quotes and many times these small insurance companies work with independent insurance agents.

You just learned some good ideas how to save on Mercury Mountaineer insurance in Cleveland. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding low cost Cleveland car insurance quotes. You may even find the lowest rates come from some of the lesser-known companies. These smaller insurers may only write in your state and offer lower car insurance rates as compared to the big name companies such as Allstate and Progressive.

Even more information can be read by following these links:

• Booster Seat Ratings (iihs.org)
• What Insurance is Cheapest for 4×4 Vehicles in Cleveland? (FAQ)
• What Insurance is Cheapest for Police Officers in Cleveland? (FAQ)
• Who Has the Cheapest Car Insurance for High Mileage Drivers in Cleveland? (FAQ)
• How Much are Cleveland Car Insurance Quotes for 19 Year Olds? (FAQ)
• Safety Belts FAQ (iihs.org)
• Five Tips to Save on Auto Insurance (Insurance Information Institute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)