Save Money on Mercury Mountaineer Insurance in Tucson

Insurance rates Mercury Mountaineer in TucsonReally, the only way to get budget auto insurance rates is to compare prices once a year from insurers who can sell car insurance in Tucson.

One bit of advice is to use identical coverage information on every quote request and and to analyze as many auto insurance providers as possible. Doing this provides a fair rate comparison and a complete rate analysis.

A recent study revealed that the vast majority of consumers kept their policy with the same company for at least four years, and practically 40% of car insurance customers have never compared quotes from other companies. With the average car insurance premium being $1,578, Tucson drivers can save up to $730 each year by just shopping around, but they just don’t want to go online and compare rates.

When shopping for cheaper Tucson car insurance quotes, there are a couple of ways to get quotes from different companies. By far the easiest way to comparison shop is simply to get online rate quotes. It’s important to know that comparing a wide range of rates will improve the odds of getting the best rates. Some companies don’t provide online rate quotes, so it’s recommended that you also compare rates on coverage from those companies, too.

The following companies have been selected to offer free rate quotes in Arizona. If your goal is to find cheap car insurance in Tucson, AZ, it’s highly recommended you click on several of them to get the best price comparison.

Auto insurance is not optional in Arizona

Despite the high cost, auto insurance is required for several reasons.

The benefits of carrying enough insurance more than cancel out the cost, particularly for liability claims. Today the average American driver is currently overpaying as much as $820 a year so you should quote your policy with other companies each time the policy renews to ensure rates are competitive.

Facts and figures for Mercury Mountaineer insurance

The price information displayed below showcases estimates of insurance premium costs for Mercury Mountaineer models. Learning as much as possible about how insurance prices are established can assist in making smart choices when choosing a car insurance company.

Mercury Mountaineer Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $214 $314 $392 $24 $118 $1,062 $89
Mountaineer AWD $242 $314 $392 $24 $118 $1,090 $91
Mountaineer Premier 2WD $242 $370 $392 $24 $118 $1,146 $96
Mountaineer Premier AWD $242 $370 $392 $24 $118 $1,146 $96
Get Your Own Custom Quote Go

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in specific location which can alter price quotes significantly.

Analysis of deductible levels

One of the hardest decisions when shopping for car insurance is at what level do you set your deductibles. The comparisons below may help you to understand the premium difference when you select higher and lower policy deductibles. The first rate quote example uses a $250 deductible for physical damage and the second rate chart uses a $1,000 deductible.

Mercury Mountaineer insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $232 $390 $300 $18 $90 $1,055 $88
Mountaineer AWD $262 $390 $300 $18 $90 $1,085 $90
Mountaineer Premier 2WD $262 $460 $300 $18 $90 $1,155 $96
Mountaineer Premier AWD $262 $460 $300 $18 $90 $1,155 $96
Get Your Own Custom Quote Go

Mercury Mountaineer insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $144 $246 $300 $18 $90 $798 $67
Mountaineer AWD $162 $246 $300 $18 $90 $816 $68
Mountaineer Premier 2WD $162 $290 $300 $18 $90 $860 $72
Mountaineer Premier AWD $162 $290 $300 $18 $90 $860 $72
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in Tucson location which can lower or raise prices substantially.

We can derive from the above data that using a $250 deductible will cost you roughly $23 more each month or $276 a year than selecting the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 33 months between claim filings, you would save more money by selecting a higher deductible.

Do you need full coverage?

The chart below shows the comparison of Mercury Mountaineer auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. Data assumes a clean driving record, no claims, $500 deductibles, single marital status, and no other discounts are factored in.

When to switch to liability coverage only

There isn’t a steadfast formula for eliminating physical damage coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Mercury Mountaineer claim settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after paying your deductible. If premium cost is more than $800 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are some cases where removing full coverage is not recommended. If you still have a loan on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Get cheaper rates by applying discounts

Insurance can cost an arm and a leg, but you may find discounts that could help you make your next renewal payment. Some trigger automatically when you purchase, but occasionally some discounts must be manually applied before they will apply. If you check and find you aren’t receiving every discount you qualify for, you could be getting lower rates.Auto insurance discounts

One last thing about discounts, most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like collision or personal injury protection. Even though the math looks like you could get a free auto insurance policy, companies wouldn’t make money that way.

The example below illustrates the comparison of Mercury Mountaineer insurance rates with and without discounts applied. The data is based on a male driver, no driving violations, no at-fault accidents, Arizona 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-policy, marriage, homeowner, safe-driver, multi-car, and claim-free discounts applied.

Auto insurance companies that may offer policyholders these discounts possibly include:

If you are trying to find affordable Tucson car insurance quotes, ask all the companies how many discounts you can get. Discounts may not be available in Tucson. To see a list of companies that offer discounts in Arizona, follow this link.

Car insurance quotes from local neighborhood Tucson car insurance agents

A lot of people still prefer to talk to a local agent and that is recommended in a lot of cases An additional benefit of getting free rate quotes online is that you can find the lowest rates and also buy local. And buying from neighborhood insurance agencies is important especially in Tucson.

To find an agent, once you fill out this simple form, the coverage information gets sent to agents in your area that provide free Tucson car insurance quotes to get your business. It’s much easier because you don’t need to contact any insurance agencies because prices are sent straight to your inbox. You can find better rates and a licensed agent to talk to. In the event you want to compare prices from one company in particular, don’t hesitate to search and find their rate quote page to submit a rate quote request.

How to choose the best auto insurance agent in Tucson

If you are wanting to purchase car insurance from an insurance agent, it’s important to understand the different agency structures and how they differ in how they quote coverages. Car insurance agencies can be described as either independent agents or exclusive agents depending on their employer.

Independent Car Insurance Agencies or Brokers

Agents that choose to be independent do not write with just one company and that is an advantage because they can write policies with any number of different companies and potentially find a lower price. If you want to switch companies, the business is moved internally which requires no work on your part.

If you are comparing car insurance prices, you should always get insurance quotes from several independent agencies in order to have the best price comparison. Most can insure with small mutual carriers that may provide cheaper car insurance rates.

Shown below is a partial list of independent agents in Tucson that may be able to give you free car insurance rate quotes.

View more Tucson agents

Exclusive Agencies

Agents of this type can only provide one company’s prices and examples are Allstate, Farmers Insurance or State Farm. Exclusive agents cannot provide other company’s prices so you need to shop around if the rates are high. Exclusive agencies are usually quite knowledgeable on sales techniques and that allows them to sell at a higher price point. Some consumers prefer to purchase coverage from exclusives primarily because of the brand and strong financial ratings.

The following is a list of exclusive agencies in Tucson that can give you rate quotes.

View more Tucson agents

Selecting an auto insurance agent requires more thought than just the price. These are some questions your agent should answer.

After getting acceptable answers and a good coverage price, most likely you have located an auto insurance agent that is reliable enough to properly service your car insurance policy. Just be aware that it’s your coverage and you can cancel your coverage whenever you want so don’t feel that you are obligated to any specific agency for any length of time.

Don’t assume everyone needs the same insurance coverage

When it comes to choosing coverage online or from an agent for your vehicles, there really is not a one-size-fits-all type of policy. You are unique.Safe vehicles cost less to insure

These are some specific questions may help you determine if your situation will benefit from professional help.

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Persistent drivers can save

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your goal is to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.

Insureds who switch companies do it for any number of reasons including poor customer service, extreme rates for teen drivers, an unsatisfactory settlement offer or not issuing a premium refund. No matter why you want to switch, switching companies is pretty easy and you might even save some money in the process.

You just read many ways to shop for Mercury Mountaineer insurance online. The key thing to remember is the more companies you get prices for, the better your comparison will be. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising.

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