Mercury Mountaineer Insurance Quotes in Arlington

Regrettably, the vast majority of consumers kept their coverage with the same insurance company for at least the last four years, and practically 40% of insurance customers have never compared rates with other companies. Texas consumers could save almost 70% every year, but they don’t understand how simple it is to compare rates and save money.

Insurance rates Mercury Mountaineer in ArlingtonIf your goal is the lowest price, then the best way to find discount car insurance rates in Arlington is to compare prices once a year from providers who can sell car insurance in Texas. Drivers can shop around by following these steps.

  1. Read about how auto insurance works and the modifications you can make to prevent high rates. Many risk factors that result in higher prices such as accidents, traffic violations, and an unacceptable credit rating can be rectified by making minor driving habit or lifestyle changes. This article gives additional tips to prevent high rates and get bigger discounts that may have been overlooked.
  2. Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from a single company like GEICO and State Farm, while independent agents can provide price quotes for many different companies.
  3. Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate and change companies, verify that coverage does not lapse between policies.
  4. Notify your current company of your intent to cancel your current auto insurance policy. Submit the signed application along with the required initial payment to your new insurance company. Make sure you put the proof of insurance certificate with your vehicle’s registration.

A good tip to remember is that you use identical coverages on every quote and to quote with as many companies as possible. This helps ensure an apples-to-apples comparison and a thorough price selection.

If you have a policy now or need a new policy, follow these tips to save money without sacrificing coverage. Finding the cheapest coverage in Arlington can really be easy if you know what you’re doing. Smart shoppers only have to learn the quickest method to shop their coverage around instantly.

The companies shown below can provide quotes in Texas. If you want cheap auto insurance in Texas, it’s a good idea that you visit as many as you can to get a more complete price comparison.

Auto insurance does more than just protect your car

Despite the high insurance cost for a Mercury Mountaineer in Arlington, auto insurance is required in Texas but it also protects you in many ways.

The benefits of buying enough insurance greatly outweigh the cost, particularly if you ever have a claim. An average driver in America is wasting up to $750 every year so it’s important to compare rates every year to save money.

Statistics and details

The data table shown next outlines a range of insurance rates for Mercury Mountaineer models. Learning more about how car insurance premiums are calculated can be valuable when making decisions on which coverage to buy.

Mercury Mountaineer Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $142 $266 $366 $22 $110 $906 $76
Mountaineer AWD $160 $266 $366 $22 $110 $924 $77
Mountaineer Premier 2WD $160 $312 $366 $22 $110 $970 $81
Mountaineer Premier AWD $160 $312 $366 $22 $110 $970 $81
Get Your Own Custom Quote Go

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Estimates do not factor in specific garaging location which can lower or raise coverage prices noticeably.

Policy deductibles

One common question asked by Arlington drivers is how high should the physical damage coverage deductibles be. The comparison tables below sum up the price difference when you select higher and lower insurance deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Mercury Mountaineer insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $294 $496 $382 $22 $114 $1,333 $111
Mountaineer AWD $332 $496 $382 $22 $114 $1,371 $114
Mountaineer Premier 2WD $332 $584 $382 $22 $114 $1,459 $122
Mountaineer Premier AWD $332 $584 $382 $22 $114 $1,459 $122
Get Your Own Custom Quote Go

Mercury Mountaineer insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $240 $400 $382 $22 $114 $1,158 $97
Mountaineer AWD $270 $400 $382 $22 $114 $1,188 $99
Mountaineer Premier 2WD $270 $472 $382 $22 $114 $1,260 $105
Mountaineer Premier AWD $270 $472 $382 $22 $114 $1,260 $105
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in specific location information which can affect rates greatly.

Based on the above data, using a $250 deductible will cost you approximately $15 more each month or $180 for a full year across all Mercury Mountaineer models than quoting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have at least 17 months between claim filings, you would most likely save money if you choose a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $250 deductibles: $117
Average monthly premium for $500 deductibles (subtract): – $102
Monthly savings from raising deductible: $15
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

The diagram below illustrates how your choice of deductibles and can increase or decrease Mercury Mountaineer annual premium costs for each age group. Data assumes a single male driver, full coverage, and no discounts are applied.

Lower-cost Mercury Mountaineer insurance rates in Arlington

Car insurance companies don’t always publicize every discount available in a way that’s easy to find, so the following is a list of a few of the more well known in addition to some of the lesser obvious credits that you can use to lower your rates.Auto insurance discounts

It’s important to understand that most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

The example below shows the difference between Mercury Mountaineer car insurance rates with and without discounts being applied to the rates. The data assumes a female driver, a clean driving record, no at-fault accidents, Texas 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 safe-driver, homeowner, multi-policy, marriage, claim-free, and multi-car discounts applied.

Some of the larger companies that may include these benefits include:

When getting free Arlington car insurance quotes, it’s a good idea to each company which credits you are entitled to. Savings may not be offered in Arlington. For a list of providers who offer discounts in Arlington, click this link.

Auto insurance can be complex

When buying coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that.Auto insurance savings
These are some specific questions may help highlight whether you would benefit from an agent’s advice.

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.