Save on Mercury Mountaineer Insurance in Riverside

Want to know how to find low-cost Mercury Mountaineer insurance in Riverside? Having to pay for expensive car insurance in Riverside can stress out your checking account and force you to make tough financial choices.

Unbelievable but true according to a study over 70% of consumers kept their coverage with the same car insurance company for a minimum of four years, and nearly 40% of drivers have never compared quotes from other companies. The average driver in the U.S. could pocket approximately $859 a year just by shopping around, but they don’t understand how simple it is to do a rate comparison. Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly blast consumers with TV and radio ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and find the best price available.

Low Cost companies for Mercury Mountaineer insurance

The following companies are our best choices to provide comparison quotes in Riverside, CA. If more than one company is shown, we suggest you visit several of them in order to find the most competitive rates.

Facts and figures for Mercury Mountaineer insurance

The premium table shown below outlines detailed analysis of insurance policy prices for Mercury Mountaineer models. Being aware of how auto insurance premiums are determined can help customers make informed decisions.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium amounts do not factor in zip code location which can revise coverage prices substantially.

Physical damage deductible comparison

When buying car insurance, a common question is how high should the physical damage coverage deductibles be. The rates shown below may help to conceptualize how much more you’ll pay when you choose different insurance deductibles. The first data set uses a $100 deductible for physical damage and the second price table uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Prices do not factor in vehicle location which can decrease or increase coverage prices greatly.

Based on the figures above, using a $100 deductible costs approximately $31 more each month or $372 a year averaged for all Mountaineer models than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have at least 13 months between claim filings, you would save more money if you elect the higher deductible.

The information below demonstrates how deductibles and can influence Mercury Mountaineer premium costs for different age groups of insureds. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Careless driving habits raise Riverside car insurance rates

The illustration below shows how traffic citations and at-fault collisions can raise Mercury Mountaineer premium costs for different age groups. The rate quotes are based on a single male driver, full coverage, $250 deductibles, and no other discounts are factored in.

Rate comparison of men versus women

The example below shows the difference between Mercury Mountaineer car insurance rates for male and female drivers. The price estimates are based on a clean driving record, no claims, comp and collision included, $500 deductibles, single marital status, and no discounts are taken into consideration.

Comparison of full coverage and liability-only policies

The illustration below shows the comparison of Mercury Mountaineer insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in California. The premium estimates are based on a clean driving record, no at-fault accidents, $100 deductibles, single status, and no discounts are factored in.

Should you pay for full coverage?

There is no written rule for phasing out full coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Mercury Mountaineer book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after paying your deductible. If it’s costing in excess of $600 annually for your policy with full coverage, then it could be time to drop full coverage.

There are some situations where only buying liability is not a good idea. If you haven’t satisfied your loan, you have to keep full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.

Good Decisions Result in Lower Insurance Prices

Part of the insurance buying process is learning some of the factors that are used to determine the price you pay for insurance. When consumers understand what determines base rates, this helps enable you to make changes that can earn you much lower annual insurance costs.

The list below includes some of the items insurance companies consider when setting prices.

• Older drivers pay less – Drivers with little experience are known to be easily distracted with other occupants in the car so insurance rates are higher. Having to add a first-time driver to your insurance policy can cause a big jump in price. Older, more experienced drivers have been proven to be more responsible, are lower risk to insure, and get fewer tickets.

  The chart below uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Premiums are impacted by vehicle performance – The performance level of the car, truck or SUV you need to insure makes a substantial difference in how high your rates are. The lowest rates are usually found on the lowest performance passenger models, but your final cost has many other factors.

  The data below uses these variables: married male driver age 40, full coverage with $500 deductibles, and no discounts or violations. It shows Mercury Mountaineer car insurance rates compared to other models that have different performance risks.

• Higher prices for high stress jobs – Jobs such as judges, police officers, and dentists generally pay higher rates than average due to high stress levels and long work days. On the other hand, jobs such as scientists, athletes and homemakers have lower than average premiums.
• Do you need those incidental coverages? – There are a ton of optional add-on coverages that you can buy on your Mountaineer policy. Things like rental car coverage, accident forgiveness, and Farm Bureau memberships may be wasting your money. They may seem like a good idea when talking to your agent, but your needs may have changed so eliminate them to save money.
• Never let your insurance policy expire – Going without insurance can be a guaranteed way to drive up your policy premiums. Not only will you pay higher rates, failure to provide proof of insurance can result in a revoked license or a big fine.
• Fewer miles means better prices – Driving more miles every year the more you will pay for insurance. Many insurance companies rate vehicles based upon how you use the vehicle. Cars and trucks used primarily for pleasure use get more affordable rates than those used for commuting. Ask your agent if your insurance policy states the right rating data. An incorrectly rated Mountaineer is throwing money out the window.

Insurance discounts help lower rates for Mercury Mountaineer insurance in Riverside

Companies that sell car insurance don’t always list all possible discounts in an easy-to-find place, so the list below details both well-publicized and the more hidden credits available to you.

• Drive Less and Save – Driving less could be rewarded with lower insurance rates on the low mileage vehicles.
• Service Members Pay Less – Being on active deployment in the military could qualify you for better premium rates.
• Bundled Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could get a discount of at least 10 to 15 percent or more.
• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life insurance policy as well.
• Telematics Devices – Drivers that enable driving data collection to spy on their driving habits by using a telematic data system such as State Farm’s In-Drive might see lower rates as long as they are good drivers.
• College Student Discount – Children who are enrolled in higher education away from home and don’t have a car may qualify for this discount.

A quick disclaimer, some credits don’t apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you can get free auto insurance, that’s just not realistic.

The chart below compares Mercury Mountaineer car insurance rates with and without discounts applied to the policy premium. The price estimates are based on a female driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, safe-driver, multi-policy, and homeowner discounts applied.

To find companies that have a full spectrum of discounts in California, click here to view.

Independent versus exclusive insurance agents

A small number of people prefer to talk to an insurance agent and that can be a great decision Agents can help determine the best coverages and help submit paperwork. One of the great benefits of comparing rate quotes online is the fact that drivers can get the best rates and still choose a local agent. Buying from and supporting neighborhood insurance agencies is important particularly in Riverside.

By using this form (opens in new window), the quote information gets sent to companies in Riverside who can give free rate quotes for your insurance coverage. There is no need to even leave your home as quotes are delivered immediately to you. If for some reason you want to compare prices for a specific company, don’t hesitate to go to their quote page and give them your coverage information.

If you want to use a local Riverside insurance agent, you must know there are a couple types of agencies from which to choose. Insurance agents are considered either exclusive or independent agents depending on their company appointments. Either one can sell affordable insurance policies, but we need to point out the differences since it can impact your agent selection.

Independent Agencies or Brokers

These type of agents are not employed by any specific company and that allows them to write policies with multiple insurance companies and find the cheapest insurance rates. If prices rise, your agent can just switch to a different company which is easy for the insured. If you are comparing insurance prices, it’s recommended you contact at least one independent agent in order to compare the most rates.

The following are independent agents in Riverside that can possibly get you comparison quotes.

View more Riverside agents

Exclusive Insurance Agencies

Exclusive agencies can only quote rates from one company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot compare other company’s rates so it’s a take it or leave it situation. Exclusive agents are well schooled on their company’s products which helps them sell insurance even at higher premiums.

Below is a short list of exclusive agents in Riverside who can help you get rate quotes.

View more Riverside agents

Deciding on an car insurance agent requires more thought than just the price. These are some questions your agent should answer.

• Do you need full coverage on every vehicle?
• Are they able to influence company decisions when a claim is filed?
• How is replacement cost determined on your vehicle?
• Do the agents have professional certifications like CPCU or CIC?
• Can you choose the body shop in case repairs are needed?
• Can you contact them at any time?
• Do they have 24-hour customer assistance?
• Are all drivers listed on the coverage quote?

Upon receiving good feedback for all questions you ask as well as an affordable premium quote, it’s a good possibility that you have found a car insurance agent that meets the criteria to adequately provide insurance.

You can lower your car insurance rates

When searching for inexpensive Riverside auto insurance quotes, never skimp on coverage in order to save money. There have been many cases where an insured cut physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal is to find the BEST coverage at the best price while not skimping on critical coverages.

Cheap Mercury Mountaineer insurance in Riverside can be purchased both online in addition to many Riverside insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not provide the ability to get quotes online and these regional insurance providers only sell coverage through local independent agents.

How to buy lower priced Mercury Mountaineer insurance in Riverside

The easiest way to get more affordable auto insurance rates is to compare quotes annually from providers who provide auto insurance in Riverside. Rates can be compared by completing these steps.

1. Read about coverages and the measures you can take to prevent expensive coverage. Many rating factors that drive up the price such as distracted driving and a substandard credit history can be controlled by paying attention to minor details.
2. Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from one company like GEICO or Allstate, while independent agencies can quote prices for many different companies. Start a quote
3. Compare the new rate quotes to your current policy premium to see if a cheaper price is available. If you find better rates and decide to switch, make sure there is no lapse in coverage.

The most important part of this process is to try to use identical limits and deductibles on each price quote and and to compare as many auto insurance providers as possible. This ensures a fair price comparison and the best price selection.

Helpful information

• State Car Insurance Guides (GEICO)
• What Auto Insurance is Cheapest for a Jeep Grand Cherokee in Riverside? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for a Nissan Sentra in Riverside? (FAQ)
• What Insurance is Cheapest for Postal Workers in Riverside? (FAQ)
• Who Has the Cheapest Riverside Car Insurance for a Honda Civic? (FAQ)
• Uninsured Motorist Statistics (Insurance Information Institute)
• Eight Auto Insurance Myths (Insurance Information Institute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
• Auto Insurance Basics (Insurance Information Institute)