Compare Mercury Mountaineer Insurance Quotes in El Paso

The best way to find the cheapest price for Mercury Mountaineer insurance in El Paso is to start doing an annual price comparison from insurers who sell auto insurance in Texas.

Step 1: Read about how car insurance works and the modifications you can make to prevent expensive coverage. Many factors that result in higher prices such as your driving record and a low credit score can be amended by being financially responsible and driving safely. This article provides additional tips to help reduce premium rates and earn a bigger discount.

Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like GEICO or Allstate, while agents who are independent can provide price quotes from multiple companies.

Step 3: Compare the new rates to your existing policy to see if cheaper Mountaineer coverage is available in El Paso. If you find better rates and decide to switch, verify that coverage does not lapse between policies.

Step 4: Notify your agent or company to cancel the current policy and submit a down payment and signed policy application to your new company or agent. Don’t forget to store the certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

One thing to remember is that you use similar deductibles and liability limits on each quote request and and to get price estimates from as many carriers as you can. This enables a fair price comparison and the best price quote selection.

It’s a known fact that car insurance companies don’t want their customers to go rate shopping. People who compare rates at least once a year are likely to switch to a new company because they have a good chance of finding discount prices. Remarkably, a study showed that people who compared prices once a year saved an average of $70 a month as compared to drivers who don’t make a habit of comparing rates.

If finding the cheapest rates on Mercury Mountaineer insurance in El Paso is your intention, then having a grasp of how to shop and compare cheaper coverage can help simplify the task of finding more affordable coverage.

If you have coverage now or just want a better rate, you will benefit by learning to reduce premiums while maximizing coverage. Choosing the best rates in El Paso is actually quite easy if you know where to start. Comparison shoppers just have to use the most efficient way to compare insurance rates from multiple carriers.

Low Cost companies for Mercury Mountaineer insurance

The companies shown below can provide free quotes in El Paso, TX. If multiple companies are listed, we recommend you visit several of them to get the best price comparison.

Insurance rate breakdown

The information shown below showcases a range of prices for Mercury Mountaineer models. Having a better idea how insurance policy rates are formulated can help customers make smart buying decisions.

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price information does not factor in your specific El Paso location which can lower or raise rates considerably.

Where to set your deductibles

When buying insurance, a common question is how low should you set your deductibles. The rates below can help illustrate the difference in cost of buying low and high comp and collision deductibles. The first data table uses a $250 deductible and the second pricing table uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Prices do not factor in vehicle garaging location which can affect price quotes considerably.

Based on the above data, using a $250 deductible costs an average of $29 more each month or $348 each year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 26 months between claim filings, you would probably come out ahead going with the higher deductible. The numbers below show how this calculation is made.

An important sidenote is that a higher deductible level results in having to pay to pay more out-of-pocket when you have a physical damage claim. You must have enough money in the bank in the event you have to pay the deductible to have repairs made.

The example below highlights how deductible choice and can influence Mercury Mountaineer insurance prices for each different age category. The premiums are based on a married female driver, full coverage, and no discounts are taken into consideration.

How to Lower Your Insurance Prices

One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that help calculate your policy premiums. If you have a feel for what controls the rates you pay, this empowers consumers to make smart changes that could result in big savings.

The list below includes some of the items used by companies to determine your premiums.

Premiums can change based on your address – Living in a rural area has definite advantages if you are looking for the lowest rates. City drivers have to deal with congested traffic and a longer drive to work. Fewer people means less chance of accidents.

Claim-free discounts can add up – Companies in Texas generally give cheaper rates to policyholders who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.

Cheaper rates by consolidating – Most larger auto insurance companies will give lower prices to clients who consolidate policies with them in the form of a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount applied, it’s still a good idea to compare other El Paso Mountaineer insurance rates to verify if the discount is saving money.

Responsible credit scores equal low rates – An insured’s credit score is likely to be a major factor in determining premium rates. If your credit rating can use some improvement, you could be paying less to insure your Mercury Mountaineer if you improve your credit rating. People that have excellent credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings.

Insurance policy discounts you can’t miss

The cost of insuring your cars can be expensive, but you might find some hidden discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you complete an application, but a few must be asked about before you get the savings.

• Safety Course Discount – Taking time to complete a course in defensive driver could cut 5% off your bill depending on where you live.
• Professional Organizations – Being a member of a civic or occupational organization in El Paso can get you a small discount on your next insurance statement.
• Good Student Discount – Getting good grades can earn a discount of 20% or more. Many companies even apply the discount to college students well after school through age 25.
• Senior Citizen Discount – Seniors can get a small decrease in premiums.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school or through a local driver safety program.

A quick disclaimer, some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think you could get a free insurance policy, you aren’t that lucky.

The example below illustrates the difference between Mercury Mountaineer insurance premiums with and without discounts applied to the rates. The data is based on a male driver, no claims or driving violations, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, safe-driver, multi-car, and homeowner discounts applied.

A list of insurance companies and a partial list of their discounts can be found below.

• Farmers Insurance may offer discounts for early shopping, teen driver, bundle discounts, business and professional, switch companies, youthful driver, and good student.
• State Farm includes discounts for good student, multiple policy, safe vehicle, student away at school, and Steer Clear safe driver discount.
• Liberty Mutual offers discounts for multi-car, newly married, teen driver discount, hybrid vehicle, safety features, new graduate, and new move discount.
• MetLife may include discounts for multi-policy, defensive driver, good student, accident-free, and good driver.
• Progressive may have discounts that include multi-policy, continuous coverage, online quote discount, homeowner, and online signing.

Before you buy a policy, ask each company or agent to apply every possible discount. Depending on the company, some discounts may not be available everywhere. To view providers with the best Mercury Mountaineer insurance discounts in El Paso, click here to view.

Car insurance agents can help

A small number of people still prefer to visit with an insurance agent and we recommend doing that Agents are trained to spot inefficiencies and help in the event of a claim. The best thing about getting free rate quotes online is the fact that drivers can get cheap insurance rates but still work with a licensed agent. Supporting neighborhood insurance agencies is especially important in El Paso.

Upon completion of this form (opens in new window), the quote information is instantly submitted to local insurance agents who will gladly provide quotes for your coverage. You don’t have to search for any insurance agencies since price quotes are sent to the email address you provide. If you want to compare rates for a specific company, feel free to search and find their rate quote page and complete a quote there.

How to choose the best auto insurance agent in El Paso

When narrowing the list to find a good insurance agency, you need to know there are two different types of agents and how they are distinctly different. Agents can either be independent (non-exclusive) or exclusive. Either can insure your vehicles properly, but it’s a good idea to understand the difference in how they write coverage since it may influence the selection process.

Independent Insurance Agents

Agents that elect to be independent are not restricted to one company and that gives them the ability to insure through lots of different companies and find the cheapest insurance rates. If they find a lower price, they can switch companies in-house and you can keep the same agent.

When shopping rates, you need to get some free quotes from several independent insurance agents to have the best price comparison.

Shown below are independent agencies in El Paso that may be able to give you competitive price quotes.

View more El Paso agents

Exclusive Agencies

Agents in the exclusive channel can only provide pricing for a single company and some examples include State Farm, Allstate and AAA. These agents are unable to place coverage with different providers so keep that in mind. Exclusive insurance agents are highly trained on their company’s products and that allows them to sell at a higher price point.

Shown below is a list of exclusive insurance agents in El Paso willing to provide price quotes.

View more El Paso agents

Deciding on a insurance agency requires you to look at more than just a cheap quote. Some important questions to ask are:

• Is there a 24/7 contact number?
• What companies can they write with?
• Can glass repairs be made at your home?
• Will the company cover a rental car if your car is getting fixed?
• How long have they worked with personal auto insurance coverage?
• Do they have cheaper tiers of coverage?
• Is vehicle damage repaired with OEM or aftermarket parts?

After talking to the agent and getting good answers to your questions as well as a price you’re happy with, you may have found an insurance agent that meets your needs to properly insure your vehicles. Just understand that it’s your policy and you can terminate coverage whenever you choose to so don’t assume you’re contractually obligated to a specific agent with no way to switch.

How to find a good El Paso auto insurance company

Ending up with a good quality auto insurance company can be a challenge considering how many companies sell insurance in Texas. The rank data in the next section may help you pick which companies to look at when shopping your coverage around.

Top 10 El Paso Car Insurance Companies Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

You can find cheaper coverage

There are still a few companies who don’t offer rate quotes online and most of the time these small, regional companies provide coverage only through independent agents. Low-cost Mercury Mountaineer insurance in El Paso can be purchased online in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money.

When getting El Paso auto insurance quotes online, make sure you don’t skimp on coverage in order to save money. There have been many situations where consumers will sacrifice collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.

Even more information is located at these sites:

• Safety Features for Your New Car (State Farm)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
• Car Insurance FAQ (Trusted Choice)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)