Auto Insurance Rate Quotes for a Mercury Mountaineer in Orlando

It’s safe to conclude that car insurance companies don’t want policyholders to shop around. Insureds who shop around once a year will most likely switch companies because of the high probability of finding a more affordable policy. A recent car insurance study discovered that people who compared price quotes annually saved $3,500 over four years as compared to drivers who never shopped around for lower prices.

If finding the best rates on Mercury Mountaineer insurance is your intention, then having some knowledge of the best way to compare insurance coverage can help make the process easier and more efficient.

The most effective way to find affordable car insurance rates is to compare prices annually from insurance carriers who provide car insurance in Orlando. You can compare rates by completing these steps.

1. Spend some time learning about how your policy works and the things you can change to lower rates. Many policy risk factors that increase rates like at-fault accidents, speeding tickets, and an unfavorable credit rating can be rectified by making lifestyle changes or driving safer. Continue reading for the details to prevent high rates and get bigger discounts that may have been overlooked.
2. Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO and Allstate, while independent agents can provide prices from many different companies.
3. Compare the new rate quotes to the price on your current policy and see if there is a cheaper rate in Orlando. If you can save some money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
4. Give notification to your agent or company of your intention to cancel your current policy and submit any necessary down payment along with the completed application to your new carrier. Be sure to keep the new certificate verifying proof of insurance along with your vehicle registration.

A good tip to remember is to use identical coverage information on every quote request and and to analyze as many different companies as possible. Doing this guarantees an accurate price comparison and a good representation of prices.

Affordable Orlando insurance rates with discounts

Some companies don’t always list every policy discount very clearly, so the following list contains a few of the more common as well as some of the hidden credits that may apply to you.

• Driver’s Ed – Require your teen driver to take driver’s ed class in school.
• Low Mileage – Low annual miles may enable drivers to earn slightly better prices than normal.
• Discount for Multiple Policies – When you have multiple policies and place coverage with the same company you may earn 10% to 20% off each policy.
• New Vehicle Savings – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new model year vehicles.
• Early Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you can actually save on your bill.
• Driver Safety – Passing a course that instructs on driving safety could possibly earn you a 5% discount if your company offers it.
• Renewal Discounts – Select insurance companies give a discount for switching to them prior to your current Mountaineer insurance policy expiration. Ten percent is about the average savings.
• First Accident Forgiveness – Not a discount per se, but companies like Allstate, State Farm and GEICO allow you one accident before hitting you with a surcharge if you are claim-free prior to being involved in the accident.

It’s important to note that most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way.

The illustration below visualizes the comparison of Mercury Mountaineer auto insurance costs with and without discounts. The costs are based on a male driver, a clean driving record, no at-fault accidents, Florida 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 marriage, homeowner, multi-policy, multi-car, safe-driver, and claim-free discounts applied.

Large insurance companies and some of their more popular discounts are:

• Progressive includes discounts for multi-vehicle, online quote discount, continuous coverage, online signing, homeowner, and multi-policy.
• SAFECO may offer discounts for accident prevention training, drive less, multi-car, anti-lock brakes, anti-theft, and safe driver.
• American Family may have discounts that include bundled insurance, good student, multi-vehicle, defensive driver, and Steer into Savings.
• MetLife offers discounts including multi-policy, good driver, accident-free, good student, claim-free, defensive driver
• GEICO may include discounts for military active duty, anti-lock brakes, defensive driver, multi-policy, daytime running lights, anti-theft, and good student.
• The Hartford has savings for vehicle fuel type, anti-theft, defensive driver, driver training, air bag, bundle, and good student.

When comparing rates, check with all the companies to apply every possible discount. Discounts may not apply to policies in your state.

The most recommended method to compare car insurance company rates for Mercury Mountaineer insurance in Orlando is to know most of the bigger providers pay for the opportunity to compare rate quotes. To begin a comparison, all you need to do is take a few minutes to give details including if it has an alarm system, if you are currently licensed, how much education you have, and how you use your vehicles. Your rating data is then submitted to multiple car insurance providers and they respond with quotes immediately.

If you would like to start a quote now, click here and find out if lower rates are available in Orlando.

The following companies are ready to provide quotes in Orlando, FL. If your goal is to find cheap car insurance in Florida, it’s a good idea that you get rates from several of them to get the best price comparison.

Car insurance statistics and figures

The information displayed below highlights a range of insurance policy prices for Mercury Mountaineer models. Knowing how insurance policy rates are determined is important to be able to make decisions when shopping around.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Estimates do not factor in vehicle location which can impact prices noticeably.

Policy deductibles

One of the more difficult decisions when buying car insurance is which comprehensive and collision deductibles to buy. The rates shown below can help show the cost difference when you buy lower versus higher policy deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in specific location information which can lower or raise auto insurance rates noticeably.

We can estimate from the data above that using a $250 deductible will cost in the ballpark of $17 more each month or $204 for a full year than selecting the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 15 months between claim filings, you would probably come out ahead by going with a higher deductible.

The information below shows how choosing a deductible and can raise or lower Mercury Mountaineer insurance rates for each age group. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

Price comparison of only insuring for liability

The information below shows the difference between Mercury Mountaineer auto insurance costs with full physical damage coverage compared to only buying liability only. The data assumes a clean driving record, no claims, $100 deductibles, marital status is single, and no other discounts are factored in.

When to switch to liability coverage only

There is no set guideline to drop physical damage coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s say your Mercury Mountaineer replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after paying the physical damage deductible. If it’s costing in excess of $700 annually for full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where dropping full coverage is not a good idea. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Different people need different car insurance coverages

When buying coverage online or from an agent for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique so this has to be addressed.
Here are some questions about coverages that can help discover whether your personal situation may require specific advice.

• Is my nanny covered when transporting my kids?
• Does rental coverage apply when I am renting a car?
• How can I force my company to pay a claim?
• Is my business laptop covered if it gets stolen from my vehicle?
• Do I have newly-acquired coverage?
• Is my trailer covered?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Get rate quotes but work with a local Orlando insurance agency

Some consumers would rather buy from a local agent and doing that can be a smart decision An additional benefit of price shopping on the web is you can get cheaper premium rates and still have a local agent. Putting coverage with small agencies is important especially in Orlando.

To help locate an agent, after submitting this simple form, the coverage information is emailed to participating agents in Orlando who will give competitive quotes for your coverage. You won’t need to search for an agent since rate quotes are delivered directly to your email. You can find the lowest rates without having to waste a lot of time. If you wish to get a comparison quote from a specific company, you can always find their quoting web page and submit a quote form there.

Finding a good provider requires you to look at more than just the premium amount. The following questions are important to ask.

• How much experience to they have in personal lines coverages?
• What is the agency’s Better Business Bureau rating?
• Is the agent and/or agency licensed to do business in Florida?
• In the event of vehicle damage, can you pick the collision repair facility?
• Can glass claims be handled at your home?
• How long has their agency been in business in Orlando?
• Are there any discounts for paying up front?

After getting satisfactory answers to any questions you may have and an affordable coverage quote, you have narrowed it down to an insurance company that will properly insure your vehicles. It’s important to know that you can always cancel your coverage for any reason so don’t feel you’re contractually obligated to any specific agency for the full term.

Which car insurance company is best in Orlando?

Choosing a good quality insurance provider can be challenging considering how many choices drivers have in Florida. The ranking information shown next may help you choose which auto insurance companies to look at shopping prices with.

Top 10 Orlando Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Top 10 Orlando Car Insurance Companies by A.M. Best Rank

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. The Hartford – A+
9. Allstate – A+
10. Nationwide – A+

What is YOUR best insurance company?

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. In too many instances, someone sacrificed comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. Your goal is to find the BEST coverage at the best cost, but do not skimp to save money.

We just covered many ideas to save on Mercury Mountaineer insurance in Orlando. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding the cheapest Mercury Mountaineer rate quotes. You may even find the biggest savings come from the least-expected company. These smaller insurers may only write in your state and offer lower prices compared to the large companies like Progressive or GEICO.

The cheapest Mercury Mountaineer insurance in Orlando is available on the web as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers do not provide internet price quotes and usually these small insurance companies prefer to sell through independent agencies.

To read more, take a look at the articles below:

• Preventing Carjacking and Theft (Insurance Information Institute)
• Who Has Cheap Auto Insurance for Good Drivers in Orlando? (FAQ)
• Who Has Affordable Auto Insurance for a Toyota Tacoma in Orlando? (FAQ)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
• Insurance losses by make and model (Insurance Institute for Highway Safety)