It's hard to believe, but a large majority of auto insurance policyholders kept their coverage with the same auto insurance company for four years or more, and approximately 40% of consumers have never compared rates with other companies. The average driver in Ohio can save up to $730 each year, but they don't invest the time required to compare rate quotes online.
Really, the only way to get more affordable Mercury Mountaineer insurance is to regularly compare prices from companies in Columbus. You can compare rates by completing these steps.
- Learn about what coverages are included in your policy and the measures you can control to prevent expensive coverage. Many things that are responsible for high rates like multiple speeding tickets and a not-so-good credit rating can be remedied by making lifestyle changes or driving safer. Keep reading for more details to help keep prices low and get bigger discounts that may have been overlooked.
- Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can quote prices from many different companies.
- Compare the price quotes to your existing policy and determine if there is any savings. If you can save money and change companies, ensure there is no coverage lapse between policies.
A crucial key to this process is that you'll want to compare the same amount of coverage on every quote request and and to analyze every insurance company. This helps ensure a fair rate comparison and the most accurate and complete price analysis.
If you are already insured, you will surely be able to reduce the price you pay using the concepts covered in this article. Buying the cheapest car insurance in Columbus is not rocket science. Although Ohio consumers must learn how big insurance companies price online insurance because it varies considerably.
Get discounts on Columbus auto insurance
Insuring your fleet can be pricey, but discounts can save money and there are some available that could help you make your next renewal payment. Certain discounts will be triggered automatically when you complete an application, but occasionally some discounts must be requested specifically before you get the savings.
- Membership in Organizations - Participating in a qualifying organization could qualify you for a break on auto insurance.
- Braking Control Discount - Vehicles that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
- Passive Restraint Discount - Factory options such as air bags or motorized seat belts can qualify for discounts up to 30%.
- Military Deployment Discount - Having an actively deployed family member could qualify you for better rates.
- Discounts for Multiple Vehicles - Purchasing coverage when you have all your vehicles with the same auto insurance company could earn a price break for each car.
- Multiple Policy Discount - If you can bundle your homeowners and auto insurance and insure them with the same company you may save 10% to 20% off each policy.
- Drive Safe and Save - Drivers who avoid accidents may save up to 50% more than drivers with accidents.
- No Accidents - Insureds who avoid accidents and claims pay less compared to drivers with a long claim history.
- Homeowners Savings - Owning a house in Columbus can save a few bucks because maintaining a house shows financial diligence.
Don't be surprised that some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though it appears all those discounts means the company will pay you, it doesn't quite work that way.
The information below illustrates the difference between Mercury Mountaineer insurance costs with and without discounts. The costs are based on a female driver, no claims, a clean driving record, Ohio state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-policy, homeowner, multi-car, and safe-driver discounts applied.
Larger auto insurance companies and some of their more popular discounts are:
- State Farm offers premium reductions for good driver, Drive Safe & Save, defensive driving training, anti-theft, Steer Clear safe driver discount, student away at school, and multiple autos.
- American Family offers discounts for good driver, defensive driver, multi-vehicle, mySafetyValet, and good student.
- GEICO may include discounts for defensive driver, daytime running lights, multi-policy, driver training, and seat belt use.
- 21st Century discounts include automatic seat belts, anti-lock brakes, 55 and older, defensive driver, and theft prevention.
- Progressive may have discounts that include continuous coverage, homeowner, good student, multi-policy, online signing, and online quote discount.
When getting a coverage quote, ask every insurance company which credits you are entitled to. All car insurance discounts may not be available in your area.
The best way we recommend to compare rate quotes for Mercury Mountaineer insurance in Columbus is to know the trick almost all companies will pay a fee to give free rates quotes. To get started, all you need to do is give them some information such as how you use your vehicles, distance driven, your job, and the make and model of your vehicles. Your insurance information is then sent to insurance companies and they return quotes very quickly.
To start a rate quote now, click here then complete the form.
The companies shown below are ready to provide quotes in Ohio. If the list has multiple companies, we suggest you click on several of them to get a more complete price comparison.
Premium rates and analysis
The price information below showcases different insurance costs for Mercury Mountaineer models. Having insight into how rate quotes are determined can assist in making smart choices when choosing a car insurance company.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|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|
Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Information does not factor in specific location which can raise or lower auto insurance rates significantly.
The information below illustrates how your choice of deductibles and can raise or lower Mercury Mountaineer insurance premiums for different age groups of insureds. The price estimates are based on a single male driver, full coverage, and no discounts are factored in.
What Determines Mercury Mountaineer Insurance Premiums?
Many things are taken into consideration when pricing auto insurance. Most are fairly basic such as traffic violations, but some are more obscure such as whether you are married and annual miles driven.
- Lower premiums for safer vehicles - Cars with high safety ratings tend to have lower insurance rates. Safe vehicles reduce occupant injuries and lower rates of occupant injuries means your insurance company pays less and cheaper rates on your policy. If your Mercury Mountaineer is rated at least four stars on Safercar.gov or an "acceptable" rating on iihs.org you may pay a lower rate.
- Policy add-ons may not be needed - There are many extra add-on coverages that you can buy if you aren't careful. Coverage for things like rental car reimbursement, death and dismemberment, and motor club memberships may be costing you every month. They may seem good when deciding what coverages you need, but if you don't need them eliminate them to save money.
Women pay lower prices - Statistics show females are less aggressive when driving. That doesn't necessarily mean that men are WORSE drivers than women. Females and males get in fender benders in similar percentages, but guys get into accidents with more damage. In addition to higher claims, males also receive more major tickets like driving under the influence (DUI).
The chart below illustrates the comparison of Mercury Mountaineer insurance costs for male and female drivers. The data is based on no claims or driving citations, full physical damage coverage, $500 deductibles, drivers are not married, and no additional discounts are factored in.
- Infrequent drivers can save - The more you drive your Mercury each year the higher your rates will be. Most companies charge to insure your cars partially by how you use the vehicle. Cars that are left in the garage cost less to insure compared to those used for work or business. Make sure your declarations sheet states the correct usage for each vehicle, because improper ratings can cost you money. An improperly rated Mountaineer can cost quite a bit.
Buying auto insurance from Columbus insurance agents
A lot of people just want to get professional advice from a licensed agent and that is OK! An additional benefit of comparing rate quotes online is you may find the lowest rates and still have an agent to talk to.
For easy comparison, once you complete this simple form, your information is sent to local insurance agents who will give you quotes for your business. You don't have to leave your computer due to the fact that quote results will go straight to your inbox. You can find better rates and an insurance agent to talk to. If for some reason you want to get a comparison quote from one company in particular, don't hesitate to jump over to their website to submit a rate quote request.
Finding the right insurance company requires more thought than just a cheap price. A good agent in Columbus will have answers to these questions.
- Which members of your family are coverage by the policy?
- Is insurance their full-time profession?
- Does the company have a solid financial rating?
- If you have an accident, will your rates go up?
- Does the agency support the community they serve?
- Do you work with a CSR or direct with the agent?
- How experienced are they in personal risk management?
- Are they involved in claim handling?
Different types of auto insurance agents in Columbus
When finding a reputable insurance agent or broker, you need to know there are two types of agencies and how they work. Insurance agencies in Columbus are either independent or exclusive depending on the company they work for.
Exclusive Auto Insurance Agencies
Agents in the exclusive channel have only one company to place business with like Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot provide other company's prices so if the price isn't competitive there isn't much they can do. They are well schooled on what they offer which helps them sell insurance even at higher premiums.
Listed below are Columbus exclusive agencies who may provide you with rate quotes.
Danny Hilton - State Farm Insurance Agent
3276 Morse Rd b - Columbus, OH 43231 - (614) 475-8808 - View Map
American Family Insurance - Yelena Uchiteleva Agency LLC
233 S Hamilton Rd - Columbus, OH 43213 - (614) 235-1702 - View Map
Independent Agents (or Brokers)
Independent agencies often have affiliation with several companies and that enables them to quote your coverage through many different auto insurance companies and get you the best rates possible. If you are not satisfied with one company, your policy is moved internally and you stay with the same agent.
When comparing auto insurance rates, you will definitely want to get several quotes from several independent agencies so that you have a good selection of quotes to compare.
Shown below is a short list of independent agencies in Columbus that are able to give comparison quotes.
Insurance just makes sense
Despite the fact that insurance is not cheap in Columbus, maintaining insurance is mandatory in Ohio but it also protects more than you think.
- The majority of states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability insurance if you drive a vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Mercury Mountaineer has a loan, it's most likely the lender will make it mandatory that you have comprehensive coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the bank will be required to insure your Mercury at a significantly higher premium and require you to reimburse them for the expensive policy.
- Insurance protects both your car and your personal assets. It will also reimburse you for all forms of medical expenses incurred in an accident. Liability coverage will also pay for a defense attorney in the event you are sued. If your car is damaged in a storm or accident, your policy will pay to repair the damage.
The benefits of insuring your car more than offset the price you pay, particularly for liability claims. In a recent study of 1,000 drivers, the average customer overpays as much as $825 a year so you should quote and compare rates each time the policy renews to help ensure money is not being wasted.
The best insurance company isn't always the cheapest
In this article, we presented some good ideas how you can find affordable Mercury Mountaineer insurance in Columbus. The most important thing to understand is the more you quote Columbus car insurance, the higher the chance of saving money. You may even be surprised to find that the lowest priced insurance comes from a small mutual company. These companies can often provide lower premium rates in certain areas compared to the large companies like Allstate or State Farm.
Cheap Mercury Mountaineer insurance in Columbus is possible both online in addition to many Columbus insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies don't offer the ability to get a quote online and these small, regional companies only sell coverage through independent agents.
For more information, link through to the articles below:
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance for Teenagers in Columbus? (FAQ)
- Who Has Cheap Auto Insurance Rates for Ride Shares in Columbus? (FAQ)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Understanding your Policy (NAIC.org)
- Choosing an Insurance Company (Insurance Information Institute)