Cheap Mercury Mountaineer Insurance in Las Vegas

The recommended way to find cheaper prices for Mercury Mountaineer insurance in Las Vegas is to compare quotes annually from insurance carriers that sell auto insurance in Nevada. You can shop around by following these steps.

1. Read about policy coverages and the things you can control to prevent high rates. Many risk factors that result in higher rates like multiple speeding tickets and an imperfect credit history can be controlled by making small lifestyle or driving habit changes. Keep reading for more details to get lower rates and find overlooked discounts.
2. Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or Allstate, while independent agencies can quote prices from multiple insurance companies.
3. Compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you find a lower rate quote and change companies, verify that coverage does not lapse between policies.
4. Provide adequate notice to your current company to cancel your current policy. Submit a signed application and payment for the new policy. As soon as you have the new policy, safely store the certificate of insurance along with the vehicle’s registration papers.

A tip to remember is that you’ll want to make sure you compare the same liability limits and deductibles on each quote request and and to get prices from as many car insurance companies as possible. This enables an accurate price comparison and a thorough selection of prices.

It’s shocking but about 70% of customers have purchased from the same company for four years or more, and 38% of drivers have never compared quotes from other companies. With the average auto insurance premium being $1,620, Las Vegas drivers could save themselves about 35% a year by just comparing quotes, but most just don’t grasp the amount of money they would save if they replace their high priced policy.

The easiest way to compare car insurance rates for Mercury Mountaineer insurance in Las Vegas is to realize auto insurance companies allow for online access to provide you with a free rate quote. To start a quote, the only thing you need to do is give them rating details including whether or not you need a SR-22, if you are currently licensed, what you do for a living, and daily mileage. The rating information gets transmitted to insurance carriers in your area and you get price estimates very quickly.

To find lower lower-cost Mercury Mountaineer insurance rates now, click here then complete the form.

The companies shown below are our best choices to provide price comparisons in Nevada. If you wish to find cheap car insurance in Las Vegas, it’s highly recommended you visit several of them to get the best price comparison.

Get cheaper Mercury Mountaineer insurance in Las Vegas with discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to cut the cost considerably. Certain credits will be shown at the time of quoting, but occasionally some discounts must be asked for before you get the savings.

• Government Employee Discount – Employees or retirees of the government can save as much as 8% with some car insurance companies.
• Low Mileage Discounts – Low mileage vehicles may enable drivers to earn lower rates due to less chance of an accident.
• Military Discounts – Having a family member in the military can result in better premium rates.
• Driver Safety – Taking a driver safety class is a good idea and can lower rates if you qualify.
• No Accidents – Insureds with no claims or accidents pay less as opposed to policyholders that have many claims.
• Multiple Vehicles – Purchasing coverage when you have multiple cars on one policy can get a discount on all vehicles.
• Home Ownership Discount – Owning your own home or condo may trigger a policy discount on car insurance because it requires a higher level of personal finance.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school or through a local driver safety program.
• Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
• First Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies will allow you to have one accident without raising rates if your claims history is clear for a specific time period.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts should definitely cut the amount you have to pay.

The diagram below shows the difference between Mercury Mountaineer annual premium costs with and without discounts applied to the premium. The premiums are based on a female driver, no claims or violations, Nevada 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 multi-policy, marriage, claim-free, safe-driver, homeowner, and multi-car discounts applied.

If you would like to choose from a list of car insurance companies that offer many of these discounts in Nevada, click here.

Mercury Mountaineer insurance analysis

The price information shown below highlights different coverage prices for Mercury Mountaineer models. Learning more about how prices are formulated is important for making smart choices when comparing insurance quotes.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate information does not factor in garaging location in Las Vegas which can change insurance rates noticeably.

Choosing deductibles

One frequently asked question is where to set your physical damage deductibles. The comparison tables below illustrate how much more rates are when you choose different comp and collision deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second rate chart uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Information does not factor in specific location information which can alter rates substantially.

Based on the above data, using a $100 deductible would cost the average driver about $33 more each month or $396 a year across all Mercury Mountaineer models than choosing the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 27 months between claim filings, you would save money if you choose the higher deductible.

Difference between liability only and full coverage rates

The chart below shows the difference between Mercury Mountaineer insurance costs with full physical damage coverage and with liability coverage only. The rates are based on no tickets, no at-fault accidents, $250 deductibles, single status, and no additional discounts are factored in.

When to stop paying for full coverage

There isn’t a steadfast formula to stop paying for full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s say your Mercury Mountaineer book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $2,000 after paying the physical damage deductible. If you are currently paying more than $200 annually to have full coverage, then you might consider buying liability only.

There are some conditions where dropping full coverage is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Seven Tips to Get Cheaper Las Vegas Insurance Prices

An important part of buying insurance is that you know some of the elements that help calculate the rates you pay for insurance. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that may result in much lower annual insurance costs.

• Discounts for married couples – Walking down the aisle may save some money when buying insurance. It usually means you are more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
• Drivers with excellent credit save – Credit score can be a huge factor in determining what you pay. Insureds with very good credit scores tend to be more responsible than drivers with poor credit scores. If your credit history is lower than you’d like, you could pay less to insure your Mercury Mountaineer if you improve your credit rating.

• Avoid traffic tickets – Being a careful driver has a huge affect on how much you pay. Good drivers receive lower rates compared to bad drivers. Even one driving citation can increase rates forty percent or more. People who have severe citations like DUI, reckless driving or excessive speeding may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent their license from being revoked.

  The example below highlights how traffic violations and accident claims can impact Mercury Mountaineer annual premium costs for different age groups. The price estimates are based on a married female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

• Costs can change based on your address – Residing in areas with lower population is a positive aspect when trying to find low car insurance rates. Less people living in that area corresponds to lower accident rates and a lower car theft rate. Drivers in populated Nevada areas regularly have congested traffic and longer commute times. More time commuting translates into higher accident risk.
• When should you file insurance claims? – If you’re an insured who likes to file claims don’t be surprised to see higher premiums or even policy non-renewal. Insurance companies in Nevada generally give discounts to drivers who are claim-free. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.
• How many miles do you drive? – The more miles you rack up on your Mercury in a year the more you will pay for insurance. The majority of insurers price each vehicle’s coverage partially by how you use the vehicle. Autos that sit idle most of the time qualify for better rates than those that get driven frequently. A policy that improperly rates your Mountaineer may be costing you. Make sure your insurance declarations sheet is showing the proper vehicle usage, because improper ratings can cost you money.
• Bump up physical damage deductibles to lower rates – Physical damage coverage, also called ‘full coverage’, protects your Mercury from damage. A few examples of covered claims are running into the backend of another car, flood damage, and having your car stolen. Your deductibles state the amount of money you are willing to pay if a claim is determined to be covered. The higher the amount you have to pay, the lower your rates will be.

Local agents and insurance

Many drivers still like to get professional advice from a licensed agent and doing that can be a smart decision Licensed agents will help you protect your assets and give you someone to call. The best thing about comparing insurance prices online is you can get the lowest rates and also buy local.

After completing this short form, your insurance data is instantly submitted to agents in your area who can give free rate quotes for your insurance coverage. You won’t need to contact an agency because prices are sent instantly to you. If you want to get a comparison quote from a specific insurance provider, you can always visit that company’s website and fill out the quote form the provide.

Selecting an insurer needs to be determined by more than just a cheap price. Any agent in Las Vegas should be willing to answer these questions.

• How long has their agency been in business in Las Vegas?
• Will your rates increase after a single accident?
• Which family members are covered?
• Are they primarily personal or commercial lines agents in Las Vegas?
• If you raise deductibles, how much can you save?

Not all car insurance agents are the same

If you’re trying to find a local insurance agency, it can be helpful to understand the different types of agencies and how they can quote your rates. Agents can be categorized as either independent agents or exclusive agents depending on their employer. Both types can write insurance policies, but it’s good to learn the difference in how they write coverage since it can affect the selection process.

Exclusive Insurance Agencies

Exclusive insurance agents 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 they really need to provide good service. Exclusive agents are well trained on what they offer which helps offset the inability to provide other markets. Consumers often buy from the same agent for years primarily because of the brand and strong financial ratings.

Below are exclusive insurance agents in Las Vegas who may provide you with comparison quotes.

• Tom Ferrier – State Farm Insurance Agent
  7528 Westcliff Dr – Las Vegas, NV 89145 – (702) 255-7770 – View Map
• LaDonna Koeller – State Farm Insurance Agent
  4275 N Rancho Dr #155 – Las Vegas, NV 89130 – (702) 636-9447 – View Map
• Kate Lowe – State Farm Insurance Agent
  10198 W Flamingo Rd #130 – Las Vegas, NV 89147 – (702) 363-4500 – View Map

More insurance agents

Independent Insurance Agents

Agents of this type are not required to write business for one company so as a result can place your coverage with many different companies and get you the best rates possible. If prices rise, the business is moved internally which makes it simple for you. When searching for an agent, we recommend you get quotes from a couple of independent agencies so that you have a good selection of quotes to compare. A lot of them also have access to mutual insurance companies which could offer lower prices.

Below are independent insurance agencies in Las Vegas who can help you get comparison quotes.

• Nationwide Insurance: Sage Insurance Services Inc Agency
  1081 S Cimarron Rd, Ste B56 – Las Vegas, NV 89145 – (702) 613-0000 – View Map
• Red Rock Insurance
  1958 Village Center Cir #5 – Las Vegas, NV 89134 – (702) 733-0330 – View Map
• Estrella Insurance Services
  3700 E Charleston Blvd #130 – Las Vegas, NV 89104 – (702) 382-1177 – View Map

More insurance agents

Upon receiving reasonable responses as well as cheaper Mountaineer insurance quotes, most likely you have located an insurance agent that is professional and can service your policy.

Do I need special coverages?

When it comes to proper insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that.
These are some specific questions might help in determining whether you might need an agent’s assistance.

• Is my Mercury Mountaineer covered for flood damage?
• Am I missing any policy discounts?
• Is pleasure use cheaper than using my Mercury Mountaineer to commute?
• Is my trailer covered?
• When should I remove comp and collision on my Mercury Mountaineer?
• I have health insurance so do I need medical payments coverage?
• Am I covered when driving on a suspended license?
• Does insurance cover tools stolen from my truck?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Don’t give up on cheaper premiums

When shopping online for insurance, never skimp on coverage in order to save money. Too many times, consumers will sacrifice comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your objective should be to buy enough coverage for the lowest price while not skimping on critical coverages.

We just covered a lot of ways to shop for Mercury Mountaineer insurance online. The most important thing to understand is the more times you quote, the better your comparison will be. You may even discover the lowest priced insurance comes from a small local company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.

Cost effective Mercury Mountaineer insurance is attainable on the web in addition to many Las Vegas insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and these regional carriers provide coverage only through independent agencies.

Other resources

• Understanding Rental Car Insurance (Insurance Information Institute)
• Who Has the Cheapest Auto Insurance for Immigrants in Las Vegas? (FAQ)
• How Much are Las Vegas Auto Insurance Rates for a Toyota Tundra? (FAQ)
• Who Has the Cheapest Las Vegas Car Insurance for Unemployed Drivers? (FAQ)
• Who Has the Cheapest Car Insurance Rates for Homeowners in Las Vegas? (FAQ)
• What are my Rights when Filing a Claim? (Insurance Information Institute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• Insuring a Leased Car (Insurance Information Institute)
• Information for Teen Drivers (GEICO)