Unthinkable but true, nearly 70% of customers renewed their policy with the same company for well over three years, and almost 40% of drivers have never compared rates to find lower-cost insurance. Missouri insurance shoppers could cut their rates by $320 a year by just shopping around, but they just don’t understand the amount of money they would save if they switched to a more affordable policy.
It takes a few minutes, but the best way to quote cheaper Mercury Mountaineer insurance is to regularly compare quotes from companies who provide car insurance in Kansas City.
- Step 1: Spend a few minutes and learn about policy coverages and the modifications you can make to prevent expensive coverage. Many risk factors that cause rate increases such as inattentive driving and an imperfect credit history can be eliminated by making small lifestyle or driving habit changes. Keep reading for more details to get lower rates and find overlooked discounts.
- Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like Progressive or State Farm, while independent agencies can provide price quotes from multiple companies. View a list of agents
- Step 3: Compare the quotes to the price on your current policy to see if switching to a new carrier will save money. If you can save some money and change companies, make sure there is no coverage gap between policies.
- Step 4: Give notification to your current company to cancel the current policy. Submit a completed policy application and payment for your new coverage. As soon as you can, keep the new certificate verifying proof of insurance with your vehicle’s registration.
A key point to remember is that you use identical coverages on each quote and and to compare as many companies as possible. Doing this enables the most accurate price comparison and the best price selection.
Quoting and comparing the lowest cost protection in Kansas City is not as difficult as people think. If you’re already insured or just want to save money, take advantage of these tips to buy cheaper car insurance without reducing coverage. Shoppers only have to learn the quickest way to get comparison quotes from many different companies.
Buy Kansas City Mercury Mountaineer insurance online
The companies shown below are ready to provide quotes in Missouri. In order to find the cheapest car insurance in Kansas City, we recommend you get price quotes from several of them to get a more complete price comparison.
Discounts for cheaper insurance rates
Insuring your vehicles can cost a lot, but you may find discounts that you may not even know about. Larger premium reductions will be automatically applied at the time of quoting, but once in a while a discount must be specially asked for before you get the savings.
- Student Driver Training – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course if it’s offered in school.
- Low Mileage – Driving fewer miles may enable drivers to earn cheaper premium rates.
- Pay Upfront and Save – If you can afford to pay the entire bill rather than paying in monthly installments you may have a lower total premium amount.
- First Accident Forgiveness – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm permit an accident without raising rates if your claims history is clear before the accident.
- Multi-policy Discount – When you have multiple policies with the same company they may give you a discount of up to 20% and get you cheaper Mountaineer insurance.
- Early Renewal Discounts – A few insurance companies offer discounts for buying a new policy before your current expiration date. This discount can save up to 10%.
Policy discounts save money, but some of the credits will not apply to the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, insurance companies aren’t that generous.
The information below illustrates the comparison of Mercury Mountaineer yearly insurance costs with and without discounts applied to the rates. Data assumes a male driver, no accidents or driving violations, Missouri 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 homeowner, claim-free, safe-driver, multi-policy, marriage, and multi-car discounts applied.
The best insurance companies and some of the discounts include:
- State Farm policyholders can earn discounts including accident-free, multiple autos, defensive driving training, anti-theft, Drive Safe & Save, and good student.
- Farmers Insurance offers premium reductions for business and professional, youthful driver, alternative fuel, mature driver, switch companies, electronic funds transfer, and good student.
- Progressive has discounts for good student, continuous coverage, online quote discount, multi-policy, multi-vehicle, and online signing.
- GEICO offers discounts including air bags, multi-policy, membership and employees, federal employee, seat belt use, and defensive driver.
- Auto-Owners Insurance may offer discounts for mature driver, good student, safe vehicle, anti-theft, paid in full, anti-lock brakes, and company car.
- The Hartford discounts include bundle, defensive driver, driver training, anti-theft, vehicle fuel type, good student, and air bag.
- Farm Bureau may have discounts that include 55 and retired, renewal discount, multi-policy, good student, and safe driver.
- USAA may include discounts for family discount, driver training, annual mileage, loyalty savings, defensive driver, vehicle storage, and multi-policy.
It’s a good idea to ask each insurance company which credits you are entitled to. Some discounts may not apply to policyholders in every state. To see insurance companies with discount rates in Kansas City, click here.
Analysis of Mercury Mountaineer rates
The premium table below showcases a range of coverage costs for Mercury Mountaineer models. Understanding more about how insurance policy premiums are determined can benefit drivers when making smart choices when buying a car insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Mountaineer Premier 2WD||$178||$340||$250||$14||$74||$856||$71|
|Mountaineer Premier AWD||$178||$340||$250||$14||$74||$856||$71|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rates do not factor in zip code location which can decrease or increase premiums substantially.
Get Cheaper Insurance Premiums by Understanding These Factors
Many different elements are considered when you get your auto insurance bill. Some factors are common sense like your driving record, although some other factors are less obvious like where you live or your vehicle rating. Consumers need to have an understanding of the rating factors that are used to determine the level of your policy premiums. If you have a feel for what determines premiums, this enables you to make decisions that may result in cheaper rates.
Little extras can really add up – There are a lot of additional extra coverages that can waste your money if you don’t pay attention. Add-on coverages like personal injury protection, death and dismemberment, and motor club memberships could be just wasting money. These may sound like a good investment when discussing your needs, but if you have no use for them get rid of them and save.
Teenage drivers pay more – Young drivers in Missouri have been known to get distracted easily when driving with friends and because of this, their car insurance rates are much higher. If you’ve ever had to add a beginning driver onto your car insurance can be quite pricey. Older people are proven to be safer behind the wheel, file fewer claims, and usually have better credit.
The next chart uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Why do you need liability? – The liability coverage on your policy provides coverage if you are responsible for damages caused by your negligence. Your liability coverage provides legal defense coverage which can cost a lot. This coverage is relatively inexpensive compared to other policy coverages, so insureds should have plenty of protection for their assets.
Poor credit rating equals high rates – Credit rating can be an important factor in determining what you pay. If your credit score is low, you could be paying less to insure your Mercury Mountaineer by repairing your credit. Drivers who have very high credit ratings tend to be better risks to insure than those with worse credit.
You might get higher premiums if you are single – Getting married can get you a discount on your car insurance bill. Marriage is viewed as being more mature and insurance companies reward insureds because drivers who are married file infrequent claims.
Keep car insurance claims to a minimum – Insurance companies in Missouri generally give the best rates to people who do not file claims often. If you’re an insured who likes to file claims you can definitely plan on higher premiums or even policy non-renewal. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.
Rural vs Urban Areas – Having an address in smaller towns and rural areas of the country can save you money when insuring your vehicles. Fewer drivers and short commutes means a lower chance of having an accident in addition to lower liability claims. City drivers have more traffic problems and a longer drive to work. The longer drive time means more chances of being involved in an auto accident.
Performance impacts prices – The make and model of the vehicle you are trying to find cheaper insurance for makes a big difference in your car insurance bill. Economy passenger cars normally have pretty low rates, but that’s not the only thing that factors into the final price.
The following chart is based on a married female driver age 20, full coverage with $100 deductibles, and no discounts or violations. It illustrates Mercury Mountaineer car insurance rates compared to other makes and models that have different risk factors.