Trying to come up with a payment for high-priced car insurance can dry up your budget, especially in this economy. Getting a rate comparison is a fast and free way to make sure you’re not throwing money away.
Inconceivable but true, the vast majority of car insurance customers in Arizona kept their coverage with the same car insurance company for four years or more, and roughly 40% of drivers have never even compared rates from other companies. American insurance shoppers could pocket almost 47% a year by just shopping around, but they don’t believe how much savings they would realize if they changed companies.
Steps to saving on Mercury Mountaineer insurance in Chandler
The easiest way to get the cheapest Mercury Mountaineer insurance is to annually compare prices from different companies that sell auto insurance in Chandler.
- First, it will benefit you to learn about what coverages are included in your policy and the measures you can take to prevent rate increases. Many risk factors that result in higher prices such as accidents, traffic tickets, and a less-than-favorable credit score can be controlled by making minor changes to your lifestyle. Keep reading for information to prevent high prices and find available discounts that you may qualify for.
- Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like GEICO or State Farm, while independent agents can provide rate quotes from multiple insurance companies. Click to view companies
- Third, compare the new quotes to the price on your current policy and determine if there is any savings. If you find a better price and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Fourth, give proper notification to your current agent or company of your intention to cancel your current auto insurance policy. Submit the signed application along with the required initial payment to your new company or agent. Immediately upon receiving it, put the proof of insurance certificate with your registration paperwork.
One important bit of advice is to compare the same coverage limits and deductibles on each quote and and to get price estimates from as many auto insurance providers as possible. This guarantees a level playing field and a complete price analysis.
Due to the large number of different company options, it can be challenging to locate the lowest cost company.
It’s a great practice to price shop coverage before your next renewal since insurance prices change regularly. Just because you found the best deal on Mercury Mountaineer insurance in Chandler two years ago you can probably find a lower rate today. Forget all the misinformation about car insurance because we’re going to show you how to quote online to find lower rates on car insurance.
Many insurance companies provide price estimates online. Getting online quotes for Mercury Mountaineer insurance in Chandler is possible for anyone as all you need to do is type in the coverages you want on the page. After you submit the form the company’s rating system obtains your credit score and driving record and provides a quote. Quoting online for Mercury Mountaineer insurance in Chandler makes it simple to compare prices and it’s absolutely necessary to compare as many rates as possible if you are searching for the lowest possible payments on insurance.
If you want to find out how much you can save on insurance, take a look at the companies shown below. To compare your current rates, we recommend you type in your coverages as shown on your current policy. This helps ensure you will be getting a price comparison based on similar coverages.
The companies shown below offer price quotes in Arizona. To get cheap car insurance in Chandler, we suggest you visit two to three different companies to get a more complete price comparison.
Discount Chandler auto insurance rates
Auto insurance is easily one of your largest bills, but you may find discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but some must be specifically requested prior to getting the savings.
- Student in College – Children who are enrolled in higher education away from home and do not take a car to college may qualify for this discount.
- Accident Waiver – This one isn’t a discount, but some companies like GEICO, Allstate and Liberty Mutual may permit one accident without the usual rate increase if you have no claims for a specific time period.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs with anti-lock braking systems prevent accidents and the ABS can save up to 10%.
- Good Drivers – Insureds without accidents can save up to 40% or more on their Chandler auto insurance quote than their less cautious counterparts.
- Telematics Discount – Drivers who elect to allow driving data collection to analyze vehicle usage by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they have good driving habits.
- Sign Early and Save – Some insurance companies give discounts for buying a policy prior to your current Mountaineer insurance policy expiring. It’s a savings of about 10%.
Please keep in mind that most credits do not apply to your bottom line cost. Most only cut individual premiums such as collision or personal injury protection. So even though you would think all those discounts means the company will pay you, companies wouldn’t make money that way.
The information below shows the difference between Mercury Mountaineer car insurance rates with and without discounts applied to the policy rates. The prices are based on a male driver, no claims, a clean driving record, Arizona 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, marriage, multi-car, multi-policy, claim-free, and homeowner discounts applied.
Popular auto insurance companies and the discounts they provide can be read below.
- State Farm offers discounts for multiple autos, Drive Safe & Save, multiple policy, accident-free, and defensive driving training.
- Nationwide offers premium reductions for family plan, easy pay, defensive driving, Farm Bureau membership, business or organization, and accident-free.
- GEICO offers discounts including good student, military active duty, air bags, anti-lock brakes, multi-policy, and five-year accident-free.
- AAA has discounts for multi-car, AAA membership discount, pay-in-full, multi-policy, and anti-theft.
- 21st Century may have discounts that include 55 and older, defensive driver, anti-lock brakes, student driver, and air bags.
- The Hartford includes discounts for driver training, anti-theft, air bag, good student, bundle, defensive driver, and vehicle fuel type.
Before buying, ask each company to give you their best rates. Discounts may not be offered everywhere. If you would like to view auto insurance companies that provide some of the discounts listed above in Arizona, click here to view.
Rate information and statistics
The premium information displayed next outlines detailed analysis of prices for Mercury Mountaineer models. Understanding more about how insurance policy rates are calculated can be useful when making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mountaineer 2WD | $232 | $390 | $300 | $18 | $90 | $1,030 | $86 |
| Mountaineer AWD | $262 | $390 | $300 | $18 | $90 | $1,060 | $88 |
| Mountaineer Premier 2WD | $262 | $460 | $300 | $18 | $90 | $1,130 | $94 |
| Mountaineer Premier AWD | $262 | $460 | $300 | $18 | $90 | $1,130 | $94 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rates do not factor in specific zip code location which can raise or lower price quotes substantially.
Where to set your deductibles
One of the hardest decisions when shopping for auto insurance is the level to set your comp and collision deductibles. The tables below can help illustrate the rate difference between low and high insurance deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mountaineer 2WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Mountaineer AWD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Mountaineer Premier 2WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Mountaineer Premier AWD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mountaineer 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Mountaineer AWD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Mountaineer Premier 2WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Mountaineer Premier AWD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Information does not factor in Chandler location which can impact rates considerably.
We can estimate from the data above that using a $250 deductible costs an average of $13 more each month or $156 annually across all Mercury Mountaineer models than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 19 months between claims, you would probably come out ahead if you opt for a higher deductible.
How accidents and violations affect rates
The information below illustrates how speeding tickets and accident claims can impact Mercury Mountaineer insurance prices for different ages of insureds. The price estimates are based on a single male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
Mercury Mountaineer full coverage rates compared to liability only
The chart below compares Mercury Mountaineer insurance prices with liability coverage only compared to full coverage. The information is based on no accidents or driving violations, $100 deductibles, drivers are single, and no additional discounts are factored in.
Should you pay for full coverage?
There isn’t a steadfast formula for eliminating comp and collision coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your Mercury Mountaineer book value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after the deductible is paid. If you are paying over $600 a year to have full coverage, then you might want to think about dropping full coverage.
There are some circumstances where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Insurance agencies can help
A small number of people just want to talk to an insurance agent and doing that can be a smart decision One of the best bonuses of comparing rates online is the fact that drivers can get better rates and still choose a local agent. And providing support for local agencies is important especially in Chandler.
To make it easy to find an agent, after completing this short form, the coverage information is transmitted to companies in Chandler who will return price quotes for your coverage. There is no reason to visit any agencies because quoted prices will be sent directly to you. You can find lower rates AND a local agent. If you need to quote rates from a particular provider, just go to their quote page and fill out the quote form the provide.
If you are wanting to find a local agent, there are two types of agencies that you can choose from. Car insurance agents in Chandler can be categorized as either independent or exclusive depending on the company they work for.
Independent Agencies or Brokers
Agents that elect to be independent do not work for one specific company so as a result can place your coverage through many companies and get you the best rates possible. To transfer your coverage to a different company, your agent can switch companies which requires no work on your part.
When shopping rates, you definitely need to compare prices from at a minimum one independent agency to get the most accurate price comparison.
Featured below is a partial list of independent insurance agents in Chandler that may be able to provide price quote information.
Poothills Insurance
4221 E Chandler Blvd # 119 – Phoenix, AZ 85048 – (480) 759-1970 – View Map
Allied Insurance Group
2231 E Pecos Rd #2 – Chandler, AZ 85225 – (480) 634-5222 – View Map
1st Choice Insurance
2500 N Alma School Rd – Chandler, AZ 85224 – (480) 855-7000 – View Map
Exclusive Car Insurance Agencies
Exclusive agents can only quote rates from one company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot shop your coverage around so you might not find the best rates. They are usually quite knowledgeable on the products they sell which can be an advantage.
Shown below is a short list of exclusive agencies in Chandler who can help you get price quote information.
American Family Insurance – Craig Lloyd
1801 W Queen Creek Rd #1 – Chandler, AZ 85248 – (480) 899-8549 – View Map
Farmers Insurance – Rick Downing
930 East Riggs Road Ste B7 – Chandler, AZ 85249 – (480) 961-3951 – View Map
Bill Quigley – State Farm Insurance Agent
825 West Warner Road – Chandler, AZ 85225 – (480) 899-7878 – View Map
Choosing the best car insurance agent should include more criteria than just a cheap quote. The questions below may impact your decision as well.
- Is their price quote a firm figure or are their hidden costs?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Can glass repairs be made at your home?
- Is coverage determined by price?
- Can you get a list of referrals?
- If you are a high risk driver, do they have special markets for your coverage?
- If your car is totaled, how to they determine the replacement cost?
Which policy gives me the best coverage?
When it comes to buying the best insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different and your insurance should be unique as well.
These are some specific questions may help highlight whether your personal situation might need professional guidance.
- Do I need more liability coverage?
- Should I waive the damage coverage when renting a car?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- I don’t drive much so do I pay less?
- Can I make deliveries for my home business?
- Is my teen driver covered when they drive my company car?
- Does my insurance cover my expensive audio equipment?
- How do I file an SR-22 for a DUI in Arizona?
If you can’t answer these questions but one or more may apply to you, 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 insurance companies in your area.
Four Tips to Get Cheap Chandler Insurance Prices
One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that aid in calculating your premiums. When you know what positively or negatively impacts premium levels, this allows you to make good choices that may result in big savings.
High deductibles lower premiums – Physical damage insurance, also called ‘full coverage’, helps pay for damage to your vehicle. Some instances where coverage would apply would be collision with another vehicle, flood damage, and rolling your vehicle. Deductibles for physical damage represent how much money you are required to spend out-of-pocket if the claim is covered. The more damage repair cost the insured is willing to pay, the better rate you will receive.
Low credit score equals high premiums – An insured’s credit rating is likely to be a major factor in determining what you pay for auto insurance. Consumers who have good credit tend to be less risk to insure as compared to drivers with lower ratings. If your credit history can be improved, you may save money insuring your Mercury Mountaineer by improving your rating.
Urban residents pay more – Residing in areas with lower population can be a good thing when trying to find low car insurance rates. City drivers have to deal with more auto accidents and more time behind the wheel. Fewer drivers translates into fewer accident claims and lower theft and vandalism rates.
Buy a safe car and pay less – Safe vehicles get lower rates. Highly rated vehicles reduce occupant injuries and better occupant protection translates into savings for insurance companies which can mean better rates for you. If your Mercury Mountaineer scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
Why do I need car insurance?
Despite the high cost of buying insurance for a Mercury Mountaineer in Chandler, paying for auto insurance serves a purpose in several ways.
First, just about all states have mandatory insurance requirements which means the state requires a specific level of liability coverage in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your car, almost every bank will require that you carry insurance to guarantee loan repayment. If the policy lapses, the lender may insure your Mercury at a much higher premium rate and force you to pay for the much more expensive policy.
Third, insurance safeguards not only your car but also your financial assets. It will also pay for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay attorney fees if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, your auto insurance policy will pay to restore your vehicle to like-new condition.
The benefits of insuring your Mountaineer definitely exceed the cost, particularly for liability claims. An average driver in America is overpaying more than $800 each year so smart consumers compare quotes once a year at a minimum to make sure the price is not too high.
A conclusion for your insurance search
Cheaper Mercury Mountaineer insurance in Chandler can be bought both online and from local insurance agents, so you need to shop Chandler auto insurance with both so you have a total pricing picture. There are still a few companies who may not provide rates over the internet and these small, regional companies sell through independent agencies.
We just covered a lot of tips how to reduce Mercury Mountaineer insurance car insurance rates online in Chandler. It’s most important to understand that the more price quotes you have, the better your chances of lowering your premium rates. You may even be surprised to find that the lowest priced insurance comes from some of the smallest insurance companies. They often have lower premium rates on specific markets than their larger competitors like Progressive and GEICO.
How to find better rates for Mercury Mountaineer insurance in Chandler
Truthfully, the best way to get cheaper auto insurance rates is to compare prices annually from different companies who sell auto insurance in Chandler.
- Step 1: Spend a few minutes and learn about how companies price auto insurance and the factors you can control to prevent high rates. Many rating factors that increase rates like traffic citations and an unacceptable credit history can be amended by making lifestyle changes or driving safer.
- Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like GEICO or Allstate, while independent agents can quote rates from many different companies.
- Step 3: Compare the new rates to the price on your current policy and see if there is a cheaper rate. If you find a lower rate, make sure coverage is continuous and does not lapse.
- Step 4: Provide proper notification to your current company to cancel your current car insurance policy and submit a down payment along with a completed application for the new policy. When you receive it, keep your new certificate of insurance somewhere easily accessible.
One important bit of advice is that you’ll want to compare identical deductibles and limits on every price quote and to quote with as many car insurance companies as possible. Doing this helps ensure an apples-to-apples comparison and a thorough selection of prices.
Additional articles
- Help Your Teen Be a Better Driver (State Farm)
- Who Has the Cheapest Auto Insurance for Business Use in Chandler? (FAQ)
- What Does No-Fault Insurance Cover? (Allstate)
- Teen Driving Statistics (GEICO)
- Your Car has been Stolen: Now What? (Allstate)