Finding cheap prices for Mercury Mountaineer insurance in Phoenix could be a challenge for drivers who have little experience online insurance quotes. There are so many companies to choose from that it can turn into a difficult situation to find better rates on Mercury Mountaineer insurance.
Astonishing but true, the vast majority of consumers in Arizona have remained with the same car insurance company for more than four years, and 38% of customers have never compared quotes from other companies. With the average car insurance premium being $1,847, American drivers could cut their rates by up to 46.5% a year just by comparing rates, but they just assume it’s a time-consuming process to shop around.
It’s a good idea to quote other rates yearly because rates go up and down regularly. Just because you found the best premium rates on Mercury Mountaineer insurance in Phoenix two years ago you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re going to get a crash course in the tricks you need to know to lower your annual insurance bill.
If you’re already insured, you will be able to get lower rates using the concepts covered in this article. Our objective in writing this article is to let you in on how car insurance quotes work and how you can save the most money. Nevertheless, Arizona car owners must comprehend the way companies price insurance differently and use this information to your advantage.
Keep in mind that getting more free quotes will improve the odds of getting the best price. Some smaller insurers do not give price estimates online, so you should also compare quotes from them as well.
The companies shown below provide free quotes in Arizona. If multiple companies are listed, we suggest you visit two to three different companies to get the most competitive price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mountaineer 2WD | $200 | $382 | $338 | $20 | $102 | $1,042 | $87 |
| Mountaineer AWD | $180 | $302 | $404 | $24 | $122 | $1,032 | $86 |
| Mountaineer Premier 2WD | $324 | $676 | $404 | $24 | $122 | $1,550 | $129 |
| Mountaineer Premier AWD | $324 | $676 | $404 | $24 | $122 | $1,550 | $129 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price estimates do not factor in zip code location which can influence auto insurance rates greatly.
Mercury Mountaineer insurance premiums by gender and age
The diagram below illustrates the difference between Mercury Mountaineer insurance costs for male and female drivers. The premium estimates are based on no accidents or driving violations, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied.
How careless driving impacts auto insurance rates
The example below demonstrates how citations and accidents impact Mercury Mountaineer auto insurance rates for different age groups of insureds. The prices are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are factored in.
Where to set your deductibles
One of the more difficult decisions when buying auto insurance is which deductibles should you choose. The rates below highlight the rate differences between low and high coverage deductibles. The first rate comparisons uses a $100 physical damage deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mountaineer 2WD | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Mountaineer AWD | $292 | $466 | $300 | $18 | $90 | $1,191 | $99 |
| Mountaineer Premier 2WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Mountaineer Premier AWD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Get Your Own Custom Quote Go | |||||||
| 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 | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Prices do not factor in specific Phoenix garaging location which can raise or lower coverage rates greatly.
Based on these figures, using a $100 deductible costs about $32 more each month or $384 every year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 28 months between claims, you would most likely save money going with the higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $100 deductibles: | $102 |
| Average monthly premium for $1,000 deductibles (subtract): | – $70 |
| Monthly savings from raising deductible: | $32 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $32 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 28 months |
Auto insurance is not optional
Despite the high insurance cost for a Mercury Mountaineer in Phoenix, maintaining insurance may be required for several reasons.
First, almost all states have compulsory liability insurance requirements which means the state requires a specific level of liability if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you took out a loan on your Mercury Mountaineer, it’s most likely the lender will make it a condition of the loan that you carry insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender will be forced to insure your Mercury at an extremely high rate and require you to fork over the higher price.
Third, auto insurance preserves your Mercury and your assets. It will also cover medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also pays expenses related to your legal defense if you are sued as the result of your driving. If your Mercury gets damaged, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance definitely exceed the cost, especially if you ever need it. As of last year, the average driver in Arizona is currently overpaying as much as $810 a year so shop around each time the policy renews to ensure rates are competitive.
Insurance policy discounts you can’t miss
Auto insurance companies don’t always advertise all discounts in a way that’s easy to find, so the next list breaks down both the well known and the harder-to-find discounts that may be available.
- Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 15% off the PIP or medical payment premium.
- Federal Government Employee – Having worked for a branch of the government could cut as much as 10% off with some insurance companies.
- Passive Restraint Discount – Options like air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
- Savings for New Vehicles – Insuring a new Mountaineer can save you some money because new vehicles keep occupants safer.
- Good Grades Discount – This discount may save as much as 25% on a Phoenix auto insurance quote. Most companies allow this discount well after school through age 25.
- Multi-Vehicle Discounts – Buying coverage for all your vehicles on a single policy can get a discount on all vehicles.
- Sign Online – Some larger companies give back up to $50 for buying your policy on your computer.
- Low Mileage – Low mileage vehicles can earn cheaper prices.
It’s important to understand that some credits don’t apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. If you do the math and it seems like you could get a free insurance policy, it’s just not the way it works.
Companies and their possible discounts are detailed below.
- State Farm policyholders can earn discounts including driver’s education, student away at school, defensive driving training, accident-free, good driver, safe vehicle, and multiple autos.
- Farmers Insurance has discounts for mature driver, youthful driver, bundle discounts, business and professional, and multi-car.
- Progressive may have discounts that include multi-vehicle, homeowner, multi-policy, good student, continuous coverage, online signing, and online quote discount.
- GEICO has savings for daytime running lights, anti-theft, membership and employees, air bags, and military active duty.
- Auto-Owners Insurance includes discounts for company car, paperless, anti-theft, group or association, and student away at school.
- The Hartford offers discounts for defensive driver, driver training, bundle, good student, anti-theft, and vehicle fuel type.
- Farm Bureau discounts include multi-policy, driver training, good student, multi-vehicle, 55 and retired, youthful driver, and safe driver.
- USAA offers discounts including multi-vehicle, safe driver, new vehicle, loyalty savings, military installation, and defensive driver.
When comparing rates, check with each company the best way to save money. Some of the discounts discussed earlier might not be available to policyholders in your area. To choose insurers that can offer you the previously mentioned discounts in Arizona, click this link.
Buying from insurance agencies
Certain consumers prefer to talk to a local agent. One of the benefits of comparing insurance prices online is you may find cheap car insurance rates and still choose a local agent. Putting coverage with neighborhood agents is still important in Phoenix.
To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is immediately sent to insurance agents in Phoenix who will give you quotes for your business. You won’t even need to drive around due to the fact that quote results will go to you directly. You can find better rates without having to waste a lot of time. If you wish to get a rate quote from a particular provider, just search and find their rate quote page to submit a rate quote request.
When looking for a local agent, you need to know there are two different types of agents and how they can service your needs differently. Insurance agencies in Phoenix are either exclusive agents or independent agents.
Independent Car Insurance Agencies
Independent agents are appointed with more than one company and that is an advantage because they can write policies with a variety of different insurance companies enabling the ability to shop coverage around. If premiums increase, the business is moved internally without you having to go to a different agency. When comparison shopping, you will want to get insurance quotes from several independent agencies to get the most accurate price comparison. Most also have access to companies that do not advertise much which can be an advantage.
Listed below is a small list of independent insurance agencies in Phoenix that can give you pricing information.
- Best Buy Insurance
3917 S Central Ave – Phoenix, AZ 85040 – (602) 268-2548 – View Map - UNO Insurance Agency
3510 E Bell Rd # 2 – Phoenix, AZ 85032 – (602) 493-2300 – View Map - General Southwest Insurance Agency
5628 E Thomas Rd – Phoenix, AZ 85018 – (480) 990-1900 – View Map
Exclusive Agents
Exclusive insurance agents have only one company to place business with such as Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot provide other company’s prices so always compare other rates. Exclusive agents are well trained on sales techniques which helps overcome the inability to quote other rates. Drivers often use the same agent mostly because of loyalty to the company rather than low rates.
Shown below is a list of exclusive agents in Phoenix that are able to give rate quotes.
- Allstate Insurance: David Vasquez
4151 W Bethany Home Rd a – Phoenix, AZ 85019 – (602) 841-1421 – View Map - Eric Hamilton – State Farm Insurance Agent
10265 W Camelback Rd #120 – Phoenix, AZ 85037 – (623) 848-3048 – View Map - Bob Schneider – State Farm Insurance Agent
243 W Portland St – Phoenix, AZ 85003 – (602) 277-2687 – View Map
Choosing the best auto insurance agent is decision based upon more than just a cheap price quote. You should also get answers to these questions.
- What insurance company do they write the most business with?
- Are they properly licensed to sell insurance in Arizona?
- Is the agency covered by Errors and Omissions coverage?
- Are aftermarket or OEM parts used to repair vehicles?
- Who are their largest clients?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Are all drivers listed on the coverage quote?
- How many years have they been established?
Your insurance coverage should be tailored to you
Keep in mind that when it comes to choosing the right insurance coverage for your vehicles, there is no one-size-fits-all type of policy. Your financial needs are unique.
These are some specific questions may help highlight if you could use an agent’s help.
- Do I have coverage for damage caused while driving under the influence?
- Am I covered when using my vehicle for business?
- Can my babysitter drive my car?
- Do I need medical payments coverage since I have good health insurance?
- Who does medical payments coverage extend to?
- Am I covered if I have no license?
- Can my teen drive my company car?
- Should I buy full coverage?
- Should I file a claim if it’s only slightly more than my deductible?
- When should I buy a commercial auto policy?
If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.
One last thing about your coverage
The cheapest Mercury Mountaineer insurance in Phoenix can be purchased on the web in addition to local insurance agencies, and you should be comparing both so you have a total pricing picture. Some insurance providers do not offer rate quotes online and many times these regional carriers prefer to sell through independent agents.
Drivers switch companies for a number of reasons such as high prices, delays in paying claims, denial of a claim or even policy non-renewal. It doesn’t matter why you want to switch switching auto insurance companies is less work than it seems.
When buying insurance coverage, do not skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed comprehensive coverage or liability limits and learned later that it was a big error on their part. Your objective should be to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.
More information can be found at the links below
- Booster Seat Ratings (iihs.org)
- Who Has Affordable Phoenix Car Insurance Rates for a Toyota RAV4? (FAQ)
- What Insurance is Cheapest for 19 Year Olds in Phoenix? (FAQ)
- Who Has the Cheapest Phoenix Auto Insurance for Ride Shares? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Nissan Altima in Phoenix? (FAQ)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Frontal Crash Tests (iihs.org)