Cheapest Quotes for Mercury Mountaineer Insurance in Atlanta

Trying to find lower-priced Mercury Mountaineer insurance in Atlanta? Are you regretting the purchase of an underperforming, overpriced insurance policy? Trust us, there are lots of Atlanta residents who feel the same.

Amazlingly, a recent NerdWallet.com study showed that nearly 70% of customers kept buying from the same company for four years or more, and nearly half have never compared rate quotes at all. Atlanta insurance shoppers could save $960 each year by just comparing quotes, but they think it’s difficult to do a rate comparison.

Many auto insurance companies compete for your business, and because of this it can be hard to compare insurance companies to find the best price available on Mercury Mountaineer insurance in Atlanta.

It’s a good idea to shop coverage around yearly because insurance prices are constantly changing. Despite the fact that you may have had the best price on Mercury Mountaineer insurance in Atlanta last year you will most likely find a better rate today. Ignore everything you know about insurance because we’re going to show you one of the quickest ways to lower your annual insurance bill.

Best Mercury Mountaineer insurance price quotes in Georgia

The providers in the list below are our best choices to provide free quotes in Georgia. If more than one company is shown, we suggest you compare several of them to get the best price comparison.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in your specific Atlanta location which can impact auto insurance rates substantially.

Car insurance deductibles

One of the more difficult decisions when buying car insurance is where should you set your physical damage deductibles. The following insurance rates show how much more rates are when you buy lower versus higher physical damage coverage deductibles. The first set of prices uses a $250 deductible and the second rate table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium costs do not factor in garaging location in Atlanta which can lower or raise coverage rates considerably.

We can derive from the above data that using a $250 deductible will cost you approximately $16 more each month or $192 every year than opting for the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 16 months between claim filings, you would probably save some money if you opt for a higher deductible.

Car insurance rates based on gender

The example below shows the comparison of Mercury Mountaineer auto insurance rates for male and female drivers. The prices are based on no claims or driving violations, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.

Cheap Mercury Mountaineer insurance quotes in Atlanta

Car insurance can be pricey, but you may qualify for discounts to help bring down the price. Some discounts apply automatically when you complete an application, but a few need to be asked about prior to getting the savings.

• Senior Citizens – Drivers that qualify as senior citizens could receive reduced rates.
• Multiple Policy Discount – If you combine your auto and homeowners policies and place coverage with the same company you could get a discount of nearly 15% which can help you find low cost Mercury Mountaineer insurance.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class as it will make them better drivers and lower rates.
• E-sign – A few larger companies will give a small break for completing your application on their website.
• Early Signing – Some car insurance companies reward drivers for buying a policy before your current expiration date. This discount can save up to 10%.
• Driver Training Discounts – Taking part in a class that teaches defensive driving techniques could cut 5% off your bill and make you a better driver.
• Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
• Claim-Free Discount – Drivers with accident-free driving histories can save substantially compared to policyholders that have many claims.
• New Car Discount – Adding a new car to your policy can be considerably cheaper since newer vehicles have better safety ratings.
• Discounts for Safe Drivers – Safe drivers may save up to 50% more as compared to drivers with claims.

One thing to note about discounts is that most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. If you do the math and it seems like it’s possible to get free car insurance, you won’t be that lucky.

To see a list of insurance companies that can offer you the previously mentioned discounts in Atlanta, click here.

Do I need an insurance agent?

Many drivers still like to buy from a local agent and that is just fine! The best thing about comparing rate quotes online is you may find the lowest rates and still have an agent to talk to.

To help locate an agent, after submitting this short form, your insurance data is emailed to local insurance agents who will give you bids for your coverage. You won’t even need to leave your house since price quotes are sent straight to your inbox. You can find better rates without having to waste a lot of time. If you have a need to compare prices from a particular provider, don’t hesitate to search and find their rate quote page to submit a rate quote request.

Choosing a insurance company should depend on more than just a cheap quote. Any agent in Atlanta should have no problem answering these questions:

• Will you work with the agent or an assistant?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• How long have they been in business?
• Will their companies depreciate repairs to your car based on the mileage?
• Will they make sure you get an adequate claim settlement?

When narrowing the list to find a local Atlanta insurance agent, it can be helpful to understand the different agency structures and how they work. Agencies in Atlanta can either be independent or exclusive depending on the company they work for.

Exclusive Insurance Agencies

Agents of this type can usually just insure with one company and some examples include Allstate, State Farm and Farm Bureau. These agents are not able to place coverage with different providers so it’s a take it or leave it situation. They are trained well on sales techniques which can be an advantage.

Below are exclusive insurance agents in Atlanta who may provide you with price quote information.

More Atlanta agents

Independent Agencies or Brokers

These agents do not write with just one company so they have the ability to put coverage through many different car insurance companies and get you the best rates possible. If they find a lower price, your agent can just switch to a different company and you don’t have to switch agencies.

When shopping rates, it’s a good idea to compare quotes from at a minimum one independent agency to get the best comparison.

Listed below are independent agents in Atlanta willing to provide price quotes.

More Atlanta agents

After getting good responses to these questions as well as a price you’re happy with, you’ve probably found an insurance agent that meets the requirements to provide car insurance coverage. But remember, once you purchase a policy you can terminate coverage when you choose so don’t assume that you are obligated to a specific agent for any length of time.

Can switching companies really save?

Popular car insurance providers such as State Farm, GEICO and Progressive endlessly run television, radio, and online ads. All the companies tend to make the same promise that you can save if you move your car insurance coverage to their company. How does every car insurance company cost less than your current company? Here is how they do it.

Many companies have a preferred profile for the type of driver that makes them money. For example, a profitable risk profile might have to be a mature driver, carries full coverage, and the vehicle is rated for pleasure use. Any customer that fits those parameters will qualify for the lowest prices in Atlanta as well as save quite a bit of money when switching.

Insureds who do not fit the requirements must pay a more expensive rate with the end result being the driver buying from a lower-cost company. The ads state “customers that switch” not “everyone that quotes” save money. That’s why insurance companies can make the claims of big savings. This really emphasizes why it’s extremely important to compare free Atlanta auto insurance quotes often. It’s not possible to predict the company that will have better prices than you’re paying now.

Auto insurance policy specifics

Learning about specific coverages of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on the average auto insurance policy.

Liability coverages – Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as court costs, medical services, emergency aid, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford. Georgia state law requires minimum liability limits of 25/50/25 but you should consider buying better liability coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many Georgia drivers only purchase the least amount of liability that is required (25/50/25), their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage – Collision coverage pays for damage to your Mountaineer from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, driving through your garage door, colliding with another moving vehicle, hitting a mailbox and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible on your Mountaineer to bring the cost down.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as doctor visits, prosthetic devices, surgery, nursing services and EMT expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like a broken windshield, hitting a deer, theft, hail damage and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Cover all your bases

Throughout this article, we presented a lot of tips how to reduce Mercury Mountaineer insurance prices online in Atlanta. The key thing to remember is the more times you quote, the better your chances of lowering your rates. You may even find the best price on car insurance is with some of the lesser-known companies. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

Budget-friendly car insurance in Atlanta can be purchased online and also from your neighborhood Atlanta agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not have price quotes online and most of the time these smaller providers prefer to sell through independent insurance agencies.

Additional detailed information is available at these sites:

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Who Has Cheap Auto Insurance for a Ford Edge in Atlanta? (FAQ)
• How Much is Atlanta Auto Insurance for Drivers Requiring a SR22? (FAQ)
• Who Has Cheap Atlanta Car Insurance for a Ford Explorer? (FAQ)
• Airbag FAQ (iihs.org)
• Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)