Best Mercury Mountaineer Insurance in Austin

Searching for the cheapest Mercury Mountaineer insurance in Austin? There isn’t a single person who likes paying for car insurance, especially knowing the cost is way too high.

Shockingly, a large majority of drivers kept buying from the same company for at least four years, and 38% of drivers have never compared rates from other carriers. Texas drivers could cut their rates by roughly 70% a year by just comparing rate quotes, but they underestimate the large savings they would see if they switched to a cheaper policy. Because you have many companies and agents to choose from, it is very difficult to choose a more affordable insurance company.

Many insurance companies provide coverage prices online. Doing online quotes for Mercury Mountaineer insurance in Austin is quite easy because you just enter your coverage preferences into the quote form. Once you submit the form, the company’s rating system automatically orders your driving and credit reports and generates pricing information based on these factors. Using the web to get quotes for Mercury Mountaineer insurance in Austin makes it a lot easier to compare rates and it’s also necessary to compare as many rates as possible if you want to get the lowest possible payments on insurance.

To save time and compare rates now, take a look at the companies shown below. To compare your current rates, we recommend you duplicate coverages and limits as close as possible to your current policy. Doing this assures you will get rate comparison quotes using the same coverage and limits.

The companies in the list below can provide price quotes in Austin, TX. If several companies are displayed, it’s highly recommended you click on several of them in order to find the lowest rates.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rates do not factor in specific zip code location which can revise rates significantly.

Safe drivers pay less for auto insurance

The chart below illustrates how violations and at-fault fender-benders can influence Mercury Mountaineer insurance premiums for different age groups. The rates are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are applied.

Comparison of auto insurance rates by age and gender

The example below shows the comparison of Mercury Mountaineer insurance rates for male and female drivers. The information is based on no accidents, no driving violations, full coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.

Comparison of full coverage and liability-only policies

The example below shows the difference between Mercury Mountaineer car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The costs are based on no accidents or driving violations, $500 deductibles, single female driver, and no other discounts are factored in.

Are you wasting money paying for full coverage?

There isn’t a written rule of when to drop physical damage insurance, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

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 severely damaged, the most you would get paid by your company is $5,000 after the policy deductible has been paid. If premium cost is more than $500 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are a few cases where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not drop full coverage.

Get cheaper rates by receiving discounts

Auto insurance can be pricey, but you may find discounts that could help you make your next renewal payment. Certain discounts will be applied when you purchase, but some may not be applied and must be asked for prior to receiving the credit.

• Cautious Drivers – Accident-free drivers could pay up to 40% less than less cautious drivers.
• Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up may be able to save a few bucks off the personal injury premium cost.
• Passenger Safety Discount – Cars that have air bags and/or automatic seat belt systems could see savings up to 30%.
• Discount for Good Grades – A discount for being a good student may save as much as 25% on a Austin auto insurance quote. You can use this discount normally up until you turn 25.
• Savings for New Vehicles – Buying a new car instead of a used Mountaineer can save up to 30% since new model year vehicles have better safety ratings.
• Telematics Data – Drivers that enable companies to scrutinize driving patterns by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may see discounts as long as the data is positive.
• Home Ownership Discount – Being a homeowner may earn you a small savings because of the fact that having a home is proof of financial responsibility.
• First Accident Forgiveness – This isn’t a discount exactly, but companies like Progressive, State Farm and GEICO will forgive one accident before raising your premiums as long as you don’t have any claims for a specific time period.
• Active Military Service – Being deployed in the military could be rewarded with lower prices.
• Multi-Vehicle Discounts – Drivers who insure all your vehicles on the same auto insurance policy could earn a price break for each car.

As is typical with insurance, most of the big mark downs will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. So when it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

If you would like to choose from a list of insurance companies with the best discounts in Austin, click this link.

Protect more than your Mercury vehicle

Even though Austin Mountaineer insurance rates can get expensive, auto insurance is not optional due to several reasons.

• The majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a loan on your Mountaineer, most banks will require you to have comprehensive coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank may insure your Mercury at a more expensive rate and make you pay for it.
• Insurance safeguards not only your car but also your financial assets. Insurance will also pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense in the event you are sued. If you have damage to your Mercury as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance more than cancel out the cost, particularly when you have a large claim. As of last year, the average driver in Texas overpays more than $869 every year so compare quotes from several companies at least once a year to be sure current rates are still competitive.

Buying from insurance agents

Many people still like to visit with an insurance agent and there is nothing wrong with that. Professional insurance agents are highly skilled in risk management and help in the event of a claim. One of the great benefits of comparing rates online is the fact that drivers can get cheap auto insurance rates and still have an agent to talk to.

To make it easy to find an agent, after completing this form (opens in new window), your coverage information is instantly submitted to local insurance agents in Austin who will give you bids and help you find cheaper coverage. You won’t need to search for any insurance agencies as quotes are delivered instantly to you. If for some reason you want to get a rate quote from a particular provider, just search and find their rate quote page and fill out the quote form the provide.

Choosing an insurance company requires you to look at more than just the price. Here are some questions you might want to ask.

• Do they have 24-hour customer assistance?
• Is vehicle mileage a factor when determining depreciation for repairs?
• How is replacement cost determined on your vehicle?
• Does the agency have a positive business rating?
• If they are an independent agency in Austin, which companies do they recommend?
• When do they do policy reviews?
• By raising physical damage deductibles, how much would you save?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?

Pick the best car insurance agent in Austin for you

When finding a good Austin insurance agent, it’s important to understand the different agency structures from which to choose. Auto insurance policy providers are considered either exclusive agents or independent agents. Both can properly insure your vehicles, but it’s important to know the difference in the companies they write for because it can impact which type of agent you select.

Exclusive Insurance Agencies

These agents can usually just insure with one company and examples are State Farm or Allstate. They are unable to shop your coverage around so they have no alternatives for high prices. Exclusive agents are highly trained on sales techniques which aids in selling service over price.

Shown below is a short list of exclusive agents in Austin that can give you price quotes.

More Austin agents

Independent Agents (or Brokers)

These agents are normally appointed by many insurers so they can insure your vehicles through lots of different companies and find you the best rates. If you are not satisfied with one company, they simply move your policy to a different company and you can keep the same agent. If you are comparing rate quotes, you will want to check rates from at a minimum one independent agency to get the best comparison.

The following is a short list of independent insurance agencies in Austin that can give you price quote information.

More Austin agents