Do you need a better way to compare more competitive Mercury Mountaineer insurance in Pittsburgh? There isn’t anyone who looks forward to paying premiums for car insurance, especially when the prices are way too high.
We don’t have to point out that fact that car insurance companies don’t want you to look at other companies. Drivers who shop around for better prices will presumably buy a new policy because there is a high probability of finding a policy with better rates. A recent survey found that consumers who regularly compared rates saved over $865 a year compared to drivers who never shopped around for better prices.
If finding low prices for Mercury Mountaineer insurance in Pittsburgh is your ultimate objective, then learning about how to choose a company and compare insurance can make shopping around easier.
Steps to buying low-cost Mercury Mountaineer insurance in Pittsburgh
If you want to save money, the best way to get low-cost auto insurance rates in Pittsburgh is to regularly compare quotes from different companies in Pennsylvania. You can shop around by following these guidelines.
First, get a basic knowledge of the different coverages in a policy and the changes you can make to drop your rates. Many factors that result in higher rates such as multiple speeding tickets and a less-than-favorable credit score can be controlled by making lifestyle changes or driving safer.
Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or State Farm, while independent agencies can give you price quotes for many different companies.
Third, compare the price quotes to the premium of your current policy to determine if switching companies saves money. If you find a lower rate and switch companies, ensure coverage does not lapse between policies.
One key aspect of rate comparisons is that you’ll want to compare the same level of coverage on each quote and and to get rate quotes from as many auto insurance providers as possible. This helps ensure a level playing field and the best price quote selection.
Due to the increasing number of choices of insurance companies that have cheaper insurance for a Mercury Mountaineer in Pittsburgh, it can be challenging to choose the cheapest car insurance company.
You need to take a look at other company’s rates every six months due to the fact that insurance prices are rarely the same from one policy term to another. Just because you had the best quotes on Mercury Mountaineer insurance in Pittsburgh a year ago you can probably find a lower rate today. Block out anything you think you know about car insurance because we’re going to show you the best way to find better rates and still maintain coverage.
Buying the cheapest protection in Pittsburgh is not as hard as you think. If you’re already insured or are shopping for new coverage, you can use these tips to reduce the price you pay without reducing protection. Smart shoppers just have to use the most effective way to get comparison quotes using one simple form.
Cheapest companies for Mercury Mountaineer insurance
The companies shown below provide quotes in Pittsburgh, PA. To locate the best cheap car insurance in Pittsburgh, we recommend you click on several of them to get a more complete price comparison.
Mercury Mountaineer detailed coverage information
The coverage information shown next outlines detailed analysis of insurance costs for Mercury Mountaineer models. Knowing how insurance quotes are determined is important for drivers to make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mountaineer 2WD | $244 | $484 | $428 | $26 | $128 | $1,310 | $109 |
| Mountaineer AWD | $276 | $484 | $428 | $26 | $128 | $1,342 | $112 |
| Mountaineer Premier 2WD | $276 | $570 | $428 | $26 | $128 | $1,428 | $119 |
| Mountaineer Premier AWD | $276 | $570 | $428 | $26 | $128 | $1,428 | $119 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium costs do not factor in your specific Pittsburgh location which can increase or decrease price quotes substantially.
Mercury Mountaineer full coverage rates compared to liability only
The illustration below shows the difference between Mercury Mountaineer auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Pennsylvania. The data assumes no accidents or driving violations, $250 deductibles, drivers are not married, and no policy discounts are applied.
Are you wasting money on full coverage?
There is no clear-cut formula to drop physical damage coverage, but there is a broad guideline. If the annual cost of having full coverage 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 say your Mercury Mountaineer claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after paying your deductible. If premium cost is more than $300 annually for physical damage coverage, then you might consider buying liability only.
There are some situations where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not drop full coverage.
What Affects Mercury Mountaineer Insurance Prices?
When buying insurance it’s important to understand some of the factors that aid in calculating your premiums. When you understand what positively or negatively impacts your premiums, this enables informed choices that could help you find big savings.
The following are some of the things used by your company to calculate your rate level.
Don’t get traffic citations – Drivers who don’t get tickets pay lower auto insurance prices as compared to those with violations. Even a single driving citation can increase rates by as much as thirty percent. Drivers unfortunate enough to have severe tickets like hit and run, DWI or reckless driving convictions may face state-mandated requirements to maintain a SR-22 with their state’s licensing department in order to legally drive.
The chart below highlights how traffic violations and at-fault collisions impact Mercury Mountaineer auto insurance costs for each different age category. The premiums are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.
Defend yourself with liability insurance – The liability section of your policy will afford coverage if you are found to be at fault for causing personal injury or damage in an accident. It provides legal defense coverage up to the limits shown on your policy. This coverage is relatively inexpensive compared to physical damage coverage, so insureds should have plenty of protection for their assets.
Certain vocations pay higher rates – Occupational choices like real estate brokers, police officers, and medical professionals have the highest average rates attributed to stressful work requirements and long work days. On the flip side, occupations such as farmers, historians and performers generally pay rates lower than average.
Lower rates for safer vehicles – Safe vehicles get lower rates. Vehicles engineered for safety reduce the chance of injuries and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Mercury Mountaineer has ratings of a minimum four stars on Safercar.gov it may cost less to insure.
Mature drivers save more – Young drivers in Pennsylvania have been known to be less responsible when driving so they pay higher insurance rates. Having to add a teenage driver onto a policy can break the bank. More experienced drivers are shown to be more cautious, tend to cause fewer accidents, and usually have better credit.
The next chart is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Too many policy claims and you’ll pay more – If you are a frequent claim filer, you shouldn’t be surprised to get either higher rates or even cancellation. Insurance companies in Pennsylvania generally give the best rates to drivers that do not abuse their auto insurance. Your car insurance is intended to be relied upon for larger claims.
Determine discounts on Pittsburgh car insurance
Insurance can cost an arm and a leg, but you can get discounts that may help make it more affordable. Many of these discounts will be applied automatically at quote time, but some need to be specially asked for before being credited.
- Active Military Service – Being deployed with a military unit could mean lower premium rates.
- Multi-car Discount – Insuring several vehicles on the same car insurance policy can reduce the rates for all insured vehicles.
- Discounts for Federal Employees – Active or retired federal employment could provide a small rate reduction depending on your car insurance provider.
- Discounts for Safe Drivers – Drivers who don’t get into accidents could pay up to 40% less as compared to drivers with claims.
- Accident Forgiveness Coverage – This one isn’t a discount, but some companies like Allstate and Progressive allow you one accident without raising rates so long as you are claim-free for a set time period.
Discounts save money, but please remember that some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like you can get free auto insurance, you’re out of luck. Any qualifying discounts will cut the premium cost.
The illustration below illustrates the difference between Mercury Mountaineer yearly insurance costs with and without discounts being applied to the rates. The price estimates are based on a male driver, no accidents or driving violations, Pennsylvania state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, claim-free, multi-car, and marriage discounts applied.
A partial list of companies that have some of the above discounts are:
It’s a good idea to ask all companies you are considering which credits you are entitled to. Some discounts listed above may not apply to policyholders in every state. For a list of providers who offer car insurance discounts in Pennsylvania, click this link.
Auto insurance agents can give valuable advice
Some consumers still prefer to buy from a local agent and that can be a great decision Licensed agents will help you protect your assets and will help you if you have claims. One of the great benefits of getting free rate quotes online is the fact that you can find the best rates and still have an agent to talk to. Buying from local agencies is especially important in Pittsburgh.
Upon completion of this short form, the coverage information gets sent to participating agents in Pittsburgh that provide free Pittsburgh car insurance quotes for your business. There is no reason to do any legwork as quotes are delivered to you directly. If you wish to get a comparison quote from a particular provider, you just need to jump over to their website and give them your coverage information.
Picking a company should depend on more than just a cheap price. Any agent in Pittsburgh should be willing to answer these questions.
- Which family members are covered?
- Will you get a loaner vehicle if you car is being repaired?
- How many companies do they write for?
- Are they paid to recommend certain coverages?
- Can they give you a list of client referrals?
- Is their price quote a firm figure or are their hidden costs?
- Are they able to influence company decisions when a claim is filed?
- Are claim adjusters local or do you have to take your car somewhere else?
Which is the best insurance?
When it comes to coverage online or from an agent, there really is not a best way to insure your cars. Everyone’s needs are different.
Here are some questions about coverages that can aid in determining if you might need professional guidance.
- What does roadside assistance cover?
- Am I covered if I back into my garage door?
- Is extra glass coverage worth it?
- How do I insure my teen driver?
- Why is insurance for a teen driver so high in Pittsburgh?
- When can I cancel my policy?
If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.
How much can you save?
We just presented a lot of techniques to find affordable Mercury Mountaineer insurance in Pittsburgh. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest rates are with a smaller regional carrier.
A few companies don’t offer price quotes online and these regional carriers only sell through independent agencies. Lower-priced insurance in Pittsburgh can be bought both online in addition to many Pittsburgh insurance agents, and you need to comparison shop both to get a complete price analysis.
While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. In many cases, an insured dropped uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at an affordable rate but still have enough coverage for asset protection.
How to find better rates for Mercury Mountaineer insurance in Pittsburgh
Truthfully, the best way to find low-cost prices for Mercury Mountaineer insurance in Pittsburgh is to annually compare prices from insurance carriers in Pennsylvania. You can shop around by completing these steps.
- Learn about how your policy works and the things you can change to prevent expensive coverage. Many things that cause high rates such as speeding and a low credit score can be eliminated by making minor driving habit or lifestyle changes.
- Request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from a single company like GEICO or State Farm, while agents who are independent can provide prices from multiple insurance companies.
- Compare the new rate quotes to your current policy to see if you can save by switching companies. If you find a better price and make a switch, make sure there is no lapse in coverage.
- Provide written notification to your current company of your intention to cancel the current policy. Submit a down payment along with a signed application to the new company. Once received, keep the new certificate of insurance along with your vehicle registration.
A valuable tip to remember is to use the same level of coverage on every quote and and to get price quotes from as many companies as possible. This guarantees a fair price comparison and the best rate selection.
Additional insurance information can be found at these links:
- Shopping for a Safe Car (Insurance Information Institute)
- How Much are Car Insurance Quotes for Good Drivers in Pittsburgh? (FAQ)
- Who Has the Cheapest Pittsburgh Car Insurance Quotes for Teenage Males? (FAQ)
- Who Has Affordable Auto Insurance for Single Moms in Pittsburgh? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers with Good Credit in Pittsburgh? (FAQ)
- Car Insurance FAQ (Trusted Choice)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)