Save on Mercury Milan Insurance in Pittsburgh

A recent auto insurance study revealed that the vast majority of auto insurance customers have purchased from the same company for at least four years, and 38% of customers have never quoted auto insurance rates at all. Many consumers in Pennsylvania could save themselves as much as $686 a year, but they just don’t understand the actual amount they would save if they just switched companies.

The recommended way to find better pricing on Mercury Milan insurance in Pittsburgh is to start doing a yearly price comparison from different companies that sell auto insurance in Pennsylvania.

1. It will benefit you to learn about how car insurance works and the measures you can take to prevent high rates. Many rating factors that result in higher rates such as accidents, careless driving, and a not-so-good credit history can be amended by making minor driving habit or lifestyle changes.
2. Request rate estimates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like GEICO or Allstate, while independent agencies can give you price quotes for a wide range of insurance providers. Select a company
3. Compare the price quotes to your existing policy and determine if there is any savings. If you find better rates and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
4. Provide notification to your current agent or company of your decision to cancel your current car insurance policy and submit the application along with any required down payment to your new insurance company. As soon as you can, place the new certificate of insurance with your vehicle’s registration.

The most important part of shopping around is to try to use the same physical damage deductibles and liability limits on each quote request and and to compare as many carriers as you can. This enables an accurate price comparison and the most accurate and complete price analysis.

Companies offering competitive Mercury Milan prices in Pittsburgh, PA

The providers in the list below can provide price comparisons in Pittsburgh, PA. To buy cheaper auto insurance in Pennsylvania, we recommend you visit two to three different companies in order to find the lowest rates.

Mercury Milan insurance rate analysis

The coverage information displayed below highlights estimates of coverage prices for Mercury Milan models. Understanding how auto insurance prices are calculated is important for drivers to make smart choices when purchasing an insurance policy.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Estimates do not factor in the specific area where the vehicle is garaged which can modify insurance rates greatly.

Policy deductibles

One frequently asked question is how high or low should comp and collision deductibles be. The data tables below sum up the price difference when you select higher and lower physical damage deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate information does not factor in your specific Pittsburgh location which can impact rates significantly.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $25 more each month or $300 annually than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 16 months between claims, you would more than likely save some money if you choose the higher deductible.

The illustration below illustrates how your deductible choice and can raise or lower Mercury Milan insurance costs for each age group. The premiums assume a single female driver, full coverage, and no additional discounts are factored in.

How violations and accidents impact rates

The illustration below illustrates how violations and accidents raise Mercury Milan insurance premiums for each different age category. The rates are based on a single male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

Car insurance premiums based on gender

The information below compares Mercury Milan annual premium costs for male and female drivers. The costs are based on no violations or accidents, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are factored in.

Smart Consumers Can Reduce Insurance Rates

Many things are part of the calculation when quoting car insurance. Some are pretty understandable such as your driving record, although some other factors are less obvious like where you live or your vehicle rating.

Listed below are some of the items that factor into rates.

Multiple policies with one company can save – Most companies provide better rates to insureds who have multiple policies with them such as combining an auto and homeowners policy. The discount can add up to ten or even fifteen percent. Even if you already get this discount, you still need to comparison shop to help ensure you have the lowest rates.

Allowing your policy to lapse raises rates – Not having insurance is against the law and you may have a hard time finding new coverage because you let your insurance lapse. In addition to paying higher premiums, getting caught without coverage may result in a hefty fine and possibly a revoked license.

Safer cars cost less to insure – Vehicles that have high safety ratings cost less to insure. Vehicles built for safety help reduce the chance of injuries in an accident and better occupant protection means lower claim amounts and thus lower rates.

Keep the miles off and save – The more you drive in a year’s time the higher your rate. Most insurance companies apply a rate based upon how you use the vehicle. Vehicles left parked in the garage can be on a lower rate level than vehicles that have high annual mileage. Ask your agent if your policy properly reflects annual mileage. An incorrectly rated Milan is throwing money out the window.

Incidental coverages can cost a lot – There are a ton of optional add-on coverages that can add up when buying car insurance. Coverages for coverage for rental cars, accidental death, and Farm Bureau memberships are examples of these. They may sound like good ideas when buying your policy, but if you’ve never needed them in the past get rid of them and save.

Get cheaper Mercury Milan insurance rates in Pittsburgh

Insurance can cost an arm and a leg, but discounts can save money and there are some available to help offset the cost. Some trigger automatically when you purchase, but occasionally some discounts must be specifically requested prior to receiving the credit.

• ABS Braking Discount – Cars and trucks that have anti-lock braking systems are safer to drive so you can save 10 percent or more.
• Driver Education Discount – Teen drivers should participate in a local driver’s education class as it will make them better drivers and lower rates.
• Government Employee Discount – Active or retired federal employment could cut as much as 10% off with certain companies.
• Waiver for an Accident – This one isn’t a discount, but some companies like State Farm and Progressive permit an accident without getting socked with a rate hike if your claims history is clear for a particular time prior to the accident.
• Good Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates as compared to drivers with claims.

Just know that most discount credits are not given to your bottom line cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you can get free auto insurance, you won’t be that lucky.

The chart below compares Mercury Milan insurance prices with and without discounts applied to the policy rates. The data assumes a male driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, marriage, multi-policy, and homeowner discounts applied.

Some of the larger companies that may include some of the discounts shown above include:

• GEICO
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

When getting a coverage quote, ask each insurance company how you can save money. Some credits may not be offered everywhere. If you would like to view insurance companies with the best discounts in Pittsburgh, click this link.

Car insurance agents can give valuable advice

Some consumers still prefer to visit with an insurance agent and often times that is recommended Licensed agents are very good at helping people manage risk and help in the event of a claim. One of the benefits of comparing rates online is you can get the lowest rates but still work with a licensed agent.

By using this short form, your information gets sent to local insurance agents that give free quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to leave your house since rate quotes are delivered to you. If you want to quote rates from a particular provider, you can always find their quoting web page and give them your coverage information.

Choosing a insurer requires you to look at more than just the bottom line cost. The questions below may impact your decision as well.

• Do they have any clout with companies to ensure a fair claim settlement?
• In the event of vehicle damage, can you pick the collision repair facility?
• Which companies can they place coverage with?
• Is every driver in your family covered?
• Is their price quote a firm figure or are their hidden costs?

The type of auto insurance agent you choose is important

If you’re trying to find a reputable agency, there are a couple of types of agencies to choose from. Auto insurance agents are classified as either exclusive or independent agents depending on their company appointments. Either type can sell affordable auto insurance policies, but it is a good idea to know the difference in the companies they write for because it can influence the kind of agent you use.

Exclusive Auto Insurance Agencies

Agents that choose to be exclusive can only place business with one company like Farmers Insurance and State Farm. Exclusive agents cannot shop your coverage around so they have no alternatives for high prices. They receive a lot of sales training on what they offer which helps overcome the inability to quote other rates.

Listed below is a short list of exclusive insurance agencies in Pittsburgh that are able to give rate quotes.

More Pittsburgh agents

Independent Agents

Agents that choose to be independent can sell policies from many different companies and that allows them to write policies through many companies and find the cheapest rate. To transfer your coverage to a different company, your agent can just switch to a different company which is easy for the insured.

When shopping rates, we highly recommend that you include price quotes from several independent agencies to maximize your price options.

The following is a list of independent insurance agents in Pittsburgh willing to provide rate quotes.

More Pittsburgh agents

One last thing about your coverage

As you restructure your insurance plan, it’s very important that you do not reduce coverage to reduce premium. In many cases, consumers will sacrifice liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal is to get the best coverage possible for the lowest cost while still protecting your assets.

We’ve covered a lot of tips how to lower your Mercury Milan insurance rates in Pittsburgh. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Drivers may even discover the biggest savings come from some of the lesser-known companies. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

For more information, take a look at these articles:

• Speed and Speed Limit FAQ (iihs.org)
• Who Has Affordable Car Insurance for Immigrants in Pittsburgh? (FAQ)
• Who Has the Cheapest Pittsburgh Auto Insurance Rates for Teenagers? (FAQ)
• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
• New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
• Eight Auto Insurance Myths (Insurance Information Institute)