Cheap Mercury Mountaineer Insurance in Plano

  1. Home
  2. >
  3. Plano Auto Insurance
  4. >
  5. Mercury Mountaineer

Insurance rates Mercury Mountaineer in PlanoIf you want to find the absolute lowest rates, then the best way to get budget Mercury Mountaineer insurance is to begin comparing prices regularly from insurers in Plano.

Step 1: Learn about coverages and the modifications you can make to prevent expensive coverage. Many rating criteria that increase rates such as traffic violations, accidents, and an imperfect credit rating can be improved by making small lifestyle or driving habit changes.

Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like GEICO or State Farm, while independent agencies can provide prices from multiple companies.

Step 3: Compare the new rate quotes to your current policy to see if you can save by switching companies. If you can save some money and buy the policy, make sure there is no lapse in coverage.

Step 4: Notify your company or agent of your intention to cancel the current policy. Submit the application along with any required down payment to the new insurer. When you receive it, put the proof of insurance paperwork along with the vehicle's registration papers.

One key aspect of rate comparisons is to use the same deductibles and limits on every quote and and to analyze all possible companies. Doing this helps ensure a fair rate comparison and the best rate selection.

It's an obvious statement that insurance companies don't want you quoting rates from other companies. Insureds who shop around at least once a year are likely to switch auto insurance companies because the odds are good of finding discount prices. A recent survey found that people who compared rates once a year saved approximately $865 annually compared to policyholders who never shopped for cheaper rates.

If finding the most affordable Mercury Mountaineer insurance is the reason you're reading this, then having some insight into the best ways to shop for coverage rates can help you succeed in saving money.

Best companies for Mercury Mountaineer insurance

The car insurance companies shown below are our best choices to provide free rate quotes in Texas. To locate cheaper car insurance in Plano, we suggest you visit several of them to get a more complete price comparison.

Analysis of Mercury Mountaineer rates

The information shown below showcases detailed analysis of insurance policy prices for Mercury Mountaineer models. Having knowledge of how insurance prices are formulated can aid in making smart policy decisions.

Mercury Mountaineer Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $282 $610 $430 $26 $128 $1,476 $123
Mountaineer AWD $318 $610 $430 $26 $128 $1,512 $126
Mountaineer Premier 2WD $318 $718 $430 $26 $128 $1,620 $135
Mountaineer Premier AWD $318 $718 $430 $26 $128 $1,620 $135
Get Your Own Custom Quote Go

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in specific location information which can decrease or increase coverage prices considerably.

How high should deductibles be?

When comparing car insurance rates, the most common question is the level to set your comp and collision deductibles. The tables below determine the rate fluctuation when you select higher and lower physical damage coverage deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Mercury Mountaineer insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $294 $496 $382 $22 $114 $1,333 $111
Mountaineer AWD $332 $496 $382 $22 $114 $1,371 $114
Mountaineer Premier 2WD $332 $584 $382 $22 $114 $1,459 $122
Mountaineer Premier AWD $332 $584 $382 $22 $114 $1,459 $122
Get Your Own Custom Quote Go
Mercury Mountaineer insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $182 $312 $382 $22 $114 $1,012 $84
Mountaineer AWD $206 $312 $382 $22 $114 $1,036 $86
Mountaineer Premier 2WD $206 $368 $382 $22 $114 $1,092 $91
Mountaineer Premier AWD $206 $368 $382 $22 $114 $1,092 $91
Get Your Own Custom Quote Go

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

Based on this data, using a $250 deductible will cost in the ballpark of $29 more each month or $348 annually averaged for all Mountaineer models than buying the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 26 months between claim filings, you would probably be better off if you choose a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $250 deductibles: $117
Average monthly premium for $1,000 deductibles (subtract): - $88
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

An important thing to remember is that raising deductibles to get cheaper rates results in more money out-of-pocket if you have a claim. You need enough money in the bank in the event you need to pay the higher deductible.

Safe drivers pay cheaper rates

The information below illustrates how violations and fender-benders raise Mercury Mountaineer annual premium costs for each age group. The rate quotes are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Car insurance premiums based on gender

The chart below visualizes the comparison of Mercury Mountaineer insurance rates for male and female drivers. The costs are based on a clean driving record, no at-fault accidents, full coverage, $100 deductibles, single status, and no discounts are applied to the premium.

Rate comparison of full coverage and liability-only

The chart below illustrates the comparison of Mercury Mountaineer car insurance costs with full coverage and liability only. The premiums are based on a clean driving record, no claims, $1,000 deductibles, single status, and no discounts are factored in.

When to stop buying physical damage coverage

There is no set rule of when to eliminate full coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let's pretend your Mercury Mountaineer replacement cost is $3,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after paying the physical damage deductible. If you are currently paying more than $200 annually to have full coverage, then it's probably a good time to buy liability coverage only.

There are some situations where removing full coverage is not recommended. If you haven't satisfied your loan, you have to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Cheap Plano insurance quotes with discounts

Car insurance companies don't always list all their discounts very clearly, so the below list has some of the more common and also the more inconspicuous discounts that you may qualify for. If you don't get every credit possible, you are not getting the best rate possible.Discount insurance

  • Claim-Free Discount - Claim-free drivers can save substantially in comparison to accident-prone drivers.
  • Seat Belt Usage - Drivers who always wear seat belts and also require passengers to use their safety belts can save 10% or more on medical payment and PIP coverage.
  • Passive Restraints and Air Bags - Options like air bags can qualify for discounts up to 30%.
  • College Student Discount - Older children who are enrolled in higher education away from home and leave their car at home could get you a discount.
  • Pay Early and Save - If you can afford to pay the entire bill instead of making monthly payments you could save up to 5%.
  • Good Student - Maintaining excellent grades may save as much as 25% on a Plano auto insurance quote. Most companies allow this discount well after school through age 25.
  • Early Renewal Discounts - Select larger companies give a discount for buying a new policy before your current Mountaineer insurance policy expires. Ten percent is about the average savings.
  • Defensive Driving Course - Taking time to complete a course teaching safe driver skills could cut 5% off your bill and easily recoup the cost of the course.
  • Accident Forgiveness - This one isn't a discount, but companies like GEICO, Progressive, and Allstate may permit one accident before your rates go up so long as you haven't had any claims for a set time period.
  • ABS and Traction Control Discounts - Cars that have anti-lock braking systems can avoid accidents and earn discounts up to 10%.

As a sidenote, some of the credits will not apply to the whole policy. A few only apply to specific coverage prices like comprehensive or collision. Even though it appears you can get free auto insurance, it's just not the way it works.

The diagram below shows the difference between Mercury Mountaineer car insurance costs with and without discounts applied. The prices are based on a male driver, no violations or claims, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, marriage, multi-policy, and multi-car discounts applied.

A few companies that have most of these discounts include:

Before buying, ask every prospective company which discounts can lower your rates. Savings may not be available in every state. To see a list of insurers that offer many of these discounts in Plano, click this link.

When to get advice from an agent

A lot of people would rather visit with an insurance agent and that is recommended in a lot of cases Experienced insurance agents are very good at helping people manage risk and help you file claims. One of the benefits of price shopping on the web is you can get the best rates and still buy from a local agent. And providing support for local agents is important especially in Plano.

Insurance agency in PlanoTo find an agent, once you fill out this form (opens in new window), your information is transmitted to participating agents in Plano that can provide free Plano auto insurance quotes for your insurance coverage. There is no reason to contact any insurance agencies as quotes are delivered directly to your email. If you have a need to quote rates from a specific insurance provider, don't hesitate to find their quoting web page to submit a rate quote request.

Best car insurance agent in Plano

When researching a reliable agent, there are a couple of types of agencies and how they function. Agents in Plano can be categorized as either independent or exclusive. Both insure your vehicles, but it's a good idea to understand the difference between them since it can affect which type of agent you select.

Independent Insurance Agents

Agents that choose to be independent are normally appointed by many insurers so as a result can place your coverage with multiple insurance companies and help determine which has the cheapest rates. To move your coverage to a new company, an independent agent can move your coverage and you can keep the same agent.

When shopping rates, you absolutely need to get several quotes from at least one independent agent to ensure the widest selection of prices. Many independent agencies also insure through small mutual carriers that may provide cheaper insurance rates.

Shown below is a small list of independent agents in Plano that can possibly get you competitive price quotes.

More Plano agents

Exclusive Insurance Agents

Exclusive insurance agents can only write with one company and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot provide prices from multiple companies so always compare other rates. Exclusive agents are trained well on their company's products which helps them sell insurance even at higher premiums. Consumers frequently buy from the same agent for years primarily because of the prominence of the brand and the convenience of having a single billing for all their coverages.

Shown below is a list of exclusive agents in Plano who can help you get rate quotes.

More Plano agents

Finding the right insurance agency needs to be determined by more than just the quoted price. Here are some questions you should ask.

  • Are they properly licensed to sell insurance in Texas?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Which insurance companies are they affiliated with?
  • Which insurance company do they prefer to write with?
  • If you have an accident, will your rates go up?
  • If independent agents, which companies do they recommend?

Do I just need basic coverages?

When quoting and choosing coverage, there is no best way to insure your cars. Your needs are unique to you and your car insurance should be unique as well.Drive safe and save These are some specific questions may help you determine whether your personal situation will benefit from professional help.

  • What is the difference between comprehensive and collision coverage?
  • Can I rent a car in Mexico?
  • Should I file a claim if it's only slightly more than my deductible?
  • How can I force my company to pay a claim?
  • Do I have coverage for damage caused while driving under the influence?
  • How many claims can I have before being canceled?
  • How much liability coverage do I need in Texas?
  • Do I pay less for low miles?
  • Should I bundle my homeowners policy with my auto?

If it's difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It's fast, free and you can get the answers you need.

Specific coverage details

Knowing the specifics of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.

Auto liability insurance

Liability coverage can cover damage or injury you incur to people or other property in an accident. It protects you against claims from other people. Liability doesn't cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 30/60/25 which stand for a limit of $30,000 per injured person, a total of $60,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as legal defense fees, bail bonds, emergency aid and medical services. How much liability should you purchase? That is up to you, but buy higher limits if possible. Texas requires minimum liability limits of 30/60/25 but you should consider buying better liability coverage.

The chart below demonstrates why buying minimum limits may not be enough.

Collision coverage

Collision insurance will pay to fix damage to your Mountaineer resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, colliding with another moving vehicle, backing into a parked car and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible on your Mountaineer to get cheaper collision coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for expenses for things like surgery, ambulance fees, hospital visits and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hail damage and hitting a deer. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists are uninsured or don't have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Mercury Mountaineer.

Because many people carry very low liability coverage limits (which is 30/60/25), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

The best insurance company isn't always the cheapest

In this article, we presented quite a bit of information on how to save on Mercury Mountaineer insurance in Plano. It's most important to understand that the more providers you compare, the better likelihood of getting the cheapest Mercury Mountaineer rate quotes. Consumers could even find that the lowest priced auto insurance comes from an unexpected company. Regional companies can often provide lower prices in certain areas than the large multi-state companies such as Progressive and GEICO.

While you're price shopping online, never buy poor coverage just to save money. There have been many cases where an accident victim reduced liability coverage limits and discovered at claim time that it was a big mistake. The aim is to buy enough coverage at the best price, but do not skimp to save money.

Much more information about auto insurance in Texas is available at the links below