Compare Mercury Mountaineer Insurance Rate Quotes in Kansas City

Insurance quote for Mercury Mountaineer in Kansas CityUnthinkable 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.

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.Discount insurance

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:

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.

Mercury Mountaineer Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $158 $288 $250 $14 $74 $784 $65
Mountaineer AWD $178 $288 $250 $14 $74 $804 $67
Mountaineer Premier 2WD $178 $340 $250 $14 $74 $856 $71
Mountaineer Premier AWD $178 $340 $250 $14 $74 $856 $71
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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.