If you want to save money, the best way to get cheaper auto insurance rates in Scottsdale is to annually compare prices from different companies in Arizona.
- First, try to learn about the different coverages in a policy and the things you can change to prevent rate increases. Many things that are responsible for high rates such as multiple speeding tickets and your credit history can be eliminated by making minor driving habit or lifestyle changes. Continue reading for additional ideas to help prevent expensive coverage and get bigger discounts.
- Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO and State Farm, while agents who are independent can give you price quotes from multiple companies.
- Third, compare the new quotes to the price on your current policy to see if a cheaper price is available. If you find a lower rate quote and make a switch, verify that coverage does not lapse between policies.
A good tip to remember is that you use similar deductibles and liability limits on each quote request and and to get rates from as many companies as you can. This ensures a level playing field and a better comparison of the market.
Anyone knows that car insurance companies don’t want you to look for a cheaper policy. People who shop around for the cheapest price are inclined to switch car insurance companies because of the high probability of finding lower prices. A recent survey found that consumers who make a habit of shopping around saved over $70 a month compared to those who never shopped around for cheaper prices.
If finding the cheapest price for insurance in Scottsdale is your intention, then knowing how to find and compare insurance rates can save time, money, and frustration.
If you are insured now or just want cheaper rates, use these cost-cutting techniques to find better prices and still have adequate protection. Finding the cheapest car insurance coverage in Scottsdale is quite easy if you know the best way to do it. You just have to know the proper way to buy car insurance online.
Mercury Mountaineer coverage statistics
The premium information displayed below showcases estimates of insurance costs for Mercury Mountaineer models. Knowing how car insurance premiums are formulated can help customers make smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mountaineer 2WD | $214 | $314 | $392 | $24 | $118 | $1,062 | $89 |
| Mountaineer AWD | $242 | $314 | $392 | $24 | $118 | $1,090 | $91 |
| Mountaineer Premier 2WD | $242 | $370 | $392 | $24 | $118 | $1,146 | $96 |
| Mountaineer Premier AWD | $242 | $370 | $392 | $24 | $118 | $1,146 | $96 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in specific location which can lower or raise price quotes substantially.
The chart below highlights how deductible choice and can change Mercury Mountaineer insurance rates for different age groups. The costs are based on a single female driver, full coverage, and no additional discounts are factored in.
Comparison of auto insurance rates by gender
The example below shows the comparison of Mercury Mountaineer premium costs for male and female drivers. The rates are based on no claims or driving violations, full coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.
Smart Buyers Save Every Year
A large part of saving on auto insurance is knowing some of the factors that help calculate auto insurance rates. When you know what positively or negatively determines base rates, this enables you to make decisions that can earn you much lower annual insurance costs. Many things are used in the calculation when pricing auto insurance. A few of the factors are predictable such as your driving record, but some are more transparent such as whether you are married or your vehicle rating.
The following are a few of the “ingredients” used by your company to calculate your rates.
Be proud to be claim-free – Insurance companies in Arizona provide the best rates to insureds who are claim-free. If you’re an insured who likes to file claims you can look forward to higher premiums or even policy non-renewal. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
Increase comp and collision deductibles and save – Your deductibles are how much the insured will be required to pay if a covered claim is submitted. Coverage for physical damage, aka comp and collision, insures against damage to your car. Some instances where coverage would apply could be collision with another vehicle, animal collisions, and damage from wind. The larger the amount you are required to pay out-of-pocket, the lower your rates will be.
Good credit equals lower prices – Having a good credit score is a large factor in determining what you pay for auto insurance. Therefore, if your credit rating is low, you could be paying less to insure your Mercury Mountaineer by repairing your credit. People that have very high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit ratings.
Tickets hurt – How you drive has a lot to do with how much you pay for insurance. Even a single speeding ticket or other violation can boost insurance rates by as much as twenty percent. Attentive drivers get better prices than people who have multiple driving citations. People who have serious tickets like DUI or reckless driving may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to legally drive.
The illustration below illustrates how violations and at-fault collisions can drive up Mercury Mountaineer insurance premiums for different age groups. The costs are based on a single female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
Auto insurance company ratings
Buying coverage from a highly-rated company can be difficult considering how many different companies insure vehicles in Scottsdale. The ranking information shown below could help you pick which car insurance companies to look at buying from.
Top 10 Scottsdale Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Scottsdale Car Insurance Companies Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
More comparisons equals cheap rates
We just presented many ways to compare Mercury Mountaineer insurance car insurance rates in Scottsdale. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest car insurance rates come from a lesser-known regional company. These smaller insurers can often provide lower premium rates in certain areas than their larger competitors like Allstate, GEICO and Progressive.
Discount Mercury Mountaineer insurance in Scottsdale is available online and from local insurance agents, and you should be comparing both to have the best selection. Some companies do not provide the ability to get quotes online and many times these small insurance companies sell through local independent agencies.
To read more, take a look at these articles:
- Choosing a Car for Your Teen (State Farm)
- What Insurance is Cheapest for State Employees in Scottsdale? (FAQ)
- How Much are Auto Insurance Quotes for Used Cars in Scottsdale? (FAQ)
- Who Has the Cheapest Scottsdale Car Insurance Quotes for a Nissan Sentra? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- Airbag FAQ (iihs.org)
- Smart Auto Insurance Tips (Insurance Information Institute)