Car Insurance Rate Quotes for a Mercury Mountaineer in Cleveland

The best way we recommend to get low-cost auto insurance rates is to compare quotes annually from providers who provide auto insurance in Cleveland. Drivers can shop around by following these guidelines.

An important bit of advice to remember is that you’ll want to compare the same physical damage deductibles and liability limits on every quote request and and to get rates from as many companies as possible. Doing this enables the most accurate price comparison and a complete price analysis.

Insurance quote for Mercury Mountaineer in ClevelandSad but true, a large majority of insurance policyholders kept their coverage with the same insurance company for at least the last four years, and practically 40% of insurance customers have never even compared quotes to find cheaper rates. Most drivers in Ohio can cut their rates by roughly $730 a year just by comparing rates, but they underestimate the rate savings if they moved their coverage to a different company.

Cheapest Mercury Mountaineer insurance rate quotes in Cleveland, OH

When quoting auto insurance, remember that making a lot of price comparisons will enable you to find the best rates.

The companies shown below have been selected to offer free rate quotes in Cleveland, OH. If you want the best auto insurance in Cleveland, we suggest you visit several of them in order to get a fair rate comparison.

Insurance coverage details

The coverage table displayed next outlines a range of coverage costs for Mercury Mountaineer models. Having a good understanding how insurance prices are established helps drivers make decisions when shopping your coverage around.

Mercury Mountaineer Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $168 $346 $256 $16 $76 $862 $72
Mountaineer AWD $190 $346 $256 $16 $76 $884 $74
Mountaineer Premier 2WD $190 $408 $256 $16 $76 $946 $79
Mountaineer Premier AWD $190 $408 $256 $16 $76 $946 $79
Get Your Own Custom Quote Go

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can change prices considerably.

Higher deductibles save money

When buying car insurance, a common question is how low should you set your deductibles. The data tables below determine the cost difference between high and low comp and collision deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Mercury Mountaineer insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $176 $296 $226 $14 $68 $805 $67
Mountaineer AWD $198 $296 $226 $14 $68 $827 $69
Mountaineer Premier 2WD $198 $348 $226 $14 $68 $879 $73
Mountaineer Premier AWD $198 $348 $226 $14 $68 $879 $73
Get Your Own Custom Quote Go

Mercury Mountaineer insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $108 $186 $226 $14 $68 $602 $50
Mountaineer AWD $122 $186 $226 $14 $68 $616 $51
Mountaineer Premier 2WD $122 $220 $226 $14 $68 $650 $54
Mountaineer Premier AWD $122 $220 $226 $14 $68 $650 $54
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium amounts do not factor in zip code location which can influence insurance rates noticeably.

Based on the figures above, using a $250 deductible costs an average of $19 more each month or $228 each year than quoting the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 39 months between claims, you would probably be better off by going with a higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $71
Average monthly premium for $1,000 deductibles (subtract): – $52
Monthly savings from raising deductible: $19
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 39 months

Gender differences in car insurance premiums

The chart below illustrates the difference between Mercury Mountaineer car insurance costs for male and female drivers. The data is based on no claims or driving violations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are applied.

Cost difference between full coverage and liability

The illustration below compares Mercury Mountaineer car insurance rates with full physical damage coverage and with liability coverage only. The rate quotes are based on no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are applied.

When to stop buying physical damage coverage

There isn’t a steadfast formula to delete physical damage coverage, but there is a general guideline. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

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 destroyed, the most you would receive is $5,000 after paying your policy deductible. If premiums are more than $500 a year for full coverage, then it may be the right time to buy liability only.

There are a few cases where buying only liability insurance is not a good idea. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.

Insurance just makes sense

Even though it’s not necessarily cheap to insure a Mercury in Cleveland, buying insurance may not be optional for several reasons.

The benefits of buying insurance more than cancel out the cost, especially when you need to use it. The average driver in America is overpaying more than $869 every year so shop around once a year at a minimum to ensure rates are competitive.

How do Insurance Companies Determine Mercury Mountaineer Insurance Premiums?

An important part of buying insurance is that you know the different types of things that come into play when calculating insurance rates. When consumers understand what determines base rates, this allows you to make good choices that could help you find big savings.

Cleveland insurance discounts for a Mercury Mountaineer

Some insurance providers don’t always list their entire list of discounts very clearly, so the below list has both the well known and the more hidden credits that you can use to lower your rates.Save money with discounts

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, nobody gets a free ride.

The example below illustrates the comparison of Mercury Mountaineer car insurance rates with and without discounts applied. The premiums assume a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, multi-car, safe-driver, and multi-policy discounts applied.

Companies that may offer some of the above discounts may include but are not limited to:

If you need affordable Mercury Mountaineer insurance quotes, ask every prospective company which discounts you may be entitled to. All car insurance discounts may not be available everywhere.

It’s not one size fits all

When choosing insurance from an agent or online for your personal vehicles, there really isn’t a single plan that fits everyone. Each situation is unique so your insurance needs to address that.Safe vehicles cost less to insure
Here are some questions about coverages that may help you determine if you would benefit from professional advice.

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Getting quotes from local Cleveland car insurance agents

A small number of people just prefer to talk to an insurance agent and that is recommended in a lot of cases A good thing about getting free rate quotes online is that drivers can save money and get the lowest rates and still have an agent to talk to. And providing support for local agents is especially important in Cleveland.

To make it easy to find an agent, after completing this short form, the quote information is instantly submitted to insurance agents in Cleveland who will give competitive quotes and help you find cheaper coverage. There is no reason to find an agent because prices are sent directly to your email. It’s the lowest rates without a big time investment. If you want to compare prices from a specific company, just search and find their rate quote page and fill out their quote form.

Pick the best car insurance agent in Cleveland for you

If you’re trying to find an insurance agent, it’s important to understand the different types of agencies that differ in how they can insure your vehicles. Agents in Cleveland can be categorized as either independent or exclusive.

Independent Insurance Agents

These type of agents do not write with just one company and that enables them to quote your coverage with lots of companies and possibly get better coverage at lower prices. If prices rise, an independent agent can move your coverage and you don’t have to do anything. If you need lower rates, we recommend you get some free quotes from independent agents for maximum quote selection.

Listed below are independent agents in Cleveland that may be able to give competitive price quotes.

Insurance Agency Compass
4879 Turney RdCleveland, OH 44125(216) 341-2444View Map

Bass Ohio Insurance Agency LLC
815 Superior Avenue E, Suite 1412Cleveland, OH 44114(440) 862-0352View Map

569 E 185th StCleveland, OH 44119(216) 486-4170View Map

View more Cleveland agents

Exclusive Insurance Agents

Exclusive agents are contracted to one company like AAA, Allstate, and State Farm. They are unable to place coverage with different providers so it’s a take it or leave it situation. These agents are highly trained on sales techniques and that enables them to sell even at higher rates.

The following are exclusive insurance agencies in Cleveland that can give you price quote information.

4719 State RdCleveland, OH 44109(216) 739-0990View Map

Robert Jones – State Farm Insurance Agent
12405 Larchmere BlvdCleveland, OH 44120(216) 229-3276View Map

3878 Rocky River Dr Ste 4Cleveland, OH 44111(216) 251-5300View Map

View more Cleveland agents

Picking an car insurance agent is decision based upon more than just the quoted price. The following questions are important to ask.

You can find cheap coverage

The cheapest Mercury Mountaineer insurance in Cleveland is possible both online and from local insurance agents, so get free Cleveland car insurance quotes from both of them to have the best selection. Some auto insurance companies do not provide online rate quotes and many times these small insurance companies work with independent insurance agents.

You just learned some good ideas how to save on Mercury Mountaineer insurance in Cleveland. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding low cost Cleveland car insurance quotes. You may even find the lowest rates come from some of the lesser-known companies. These smaller insurers may only write in your state and offer lower car insurance rates as compared to the big name companies such as Allstate and Progressive.

Even more information can be read by following these links: