Mercury Mountaineer Insurance Quotes in Anchorage

Are you frustrated by the wide range of car insurance choices in Anchorage? Alaska vehicle owners have so many choices that it can quickly become a ton of work to locate the lowest car insurance rates for Mercury Mountaineer insurance in Anchorage. Everyone knows that Anchorage is a good city to live in, but high car insurance premiums can make it difficult for lots of drivers to maintain proper levels of coverage.

How to find affordable quotes for Mercury Mountaineer insurance in Anchorage

Really, the only way to find affordable quotes for Mercury Mountaineer insurance is to do a yearly price comparison from insurance carriers in Anchorage. This can be done by following these steps.

1. Get an understanding of how companies set rates and the measures you can take to prevent rate increases. Many risk factors that drive up the price such as traffic tickets, fender benders, and a substandard credit history can be rectified by paying attention to minor details. This article provides more information to help keep prices low and find hidden discounts.
2. Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agents can quote prices for many different companies.
3. Compare the new quotes to your current policy to see if a cheaper price is available in Anchorage. If you find a lower rate and change companies, verify that coverage does not lapse between policies.

The most important part of shopping around is that you use identical coverage information on every price quote and and to get prices from every insurance company. This provides the most accurate price comparison and plenty of rates choose from.

It’s a fact that auto insurance companies don’t want their customers to go rate shopping. Drivers who shop around at least once a year are inclined to buy a different policy because there is a good chance of finding coverage at a cheaper rate. A survey found that people who compared prices regularly saved over $72 a month compared to those who never shopped around for lower prices.

If finding budget-friendly rates on car insurance is your objective, then having some insight into the best way to quote and compare auto insurance can help you be more efficient.

Smart consumers take time to price shop coverage periodically since prices are adjusted regularly by insurance companies. Just because you found the lowest rate on Mercury Mountaineer insurance in Anchorage at your last renewal there may be better deals available now. Block out anything you think you know about car insurance because you’re going to get a crash course in the right way to save on car insurance.

Affordable Mercury insurance price quotes in Anchorage

The companies shown below provide price comparisons in Alaska. To get cheap car insurance in Anchorage, AK, we recommend you get price quotes from several of them to find the lowest car insurance rates.

Facts and figures for Mercury Mountaineer insurance

The data table shown below covers different insurance policy prices for Mercury Mountaineer models. Understanding how car insurance prices are formulated can aid in making smart choices when selecting a policy.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alaska minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Prices do not factor in specific zip code location which can decrease or increase coverage prices noticeably.

Rate comparison for different deductibles

When buying insurance, a common question is how high or low should comp and collision deductibles be. The rates below can help illustrate the differences in price when you buy lower versus higher policy deductibles. The first data set uses a $100 deductible for physical damage and the second rate table uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Prices do not factor in specific location information which can alter insurance rates noticeably.

Using the premium rates above, we can conclude that using a $100 deductible costs about $30 more each month or $360 for a full year across all Mercury Mountaineer models than selecting the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 30 months between claim filings, you would more than likely save some money by going with a higher deductible.

The illustration below illustrates how choosing a deductible and can raise or lower Mercury Mountaineer insurance prices for each age group. The rates are based on a married female driver, comp and collision included, and no discounts are factored in.

Poor driving habits will raise your insurance rates

The example below shows how violations and accidents can impact Mercury Mountaineer premium costs for each age group. The information is based on a married male driver, full coverage, $100 deductibles, and no policy discounts are applied.

Cost difference between full coverage and liability

The information below illustrates the difference between Mercury Mountaineer insurance rates with liability coverage only compared to full coverage. The premiums assume no accidents or driving violations, $100 deductibles, drivers are not married, and no additional discounts are factored in.

Are you wasting money paying for full coverage?

There is no set guideline for excluding comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Mercury Mountaineer book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $6,000 after the policy deductible has been paid. If you are paying over $600 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some cases where removing full coverage is not in your best interest. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Verify you’re applying every discount

Some insurance providers don’t always publicize the entire discount list in a way that’s easy to find, so the list below contains some of the best known and also the lesser-known credits available to you. If you do not double check each discount you qualify for, it’s possible you qualify for a lower rate.

• Accident-Free Discounts – Insureds who avoid accidents and claims pay much less as opposed to accident-prone drivers.
• Discount for Home Ownership – Just being a homeowner can earn you a little savings because maintaining a house requires personal responsibility.
• Cautious Driver Discount – Drivers who avoid accidents could pay up to 40% less than drivers with accident claims.
• Clubs and Organizations – Joining a civic or occupational organization in Anchorage could qualify you for a break on insurance.
• Telematics Data – Insureds that choose to allow companies to analyze their driving habits by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they have good driving habits.
• Multiple Policy Discount – If you insure your home and vehicles and place coverage with the same company you may earn up to 20% off your total Mountaineer insurance premium.

Drivers should understand that some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So even though you would think you would end up receiving a 100% discount, nobody gets a free ride.

The information below illustrates the difference between Mercury Mountaineer yearly insurance costs with and without discounts applied to the premium. The premium estimates are based on a female driver, no accidents, no driving violations, Alaska state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, safe-driver, multi-car, homeowner, and marriage discounts applied.

For a list of companies who offer free Mercury Mountaineer insurance quotes in Alaska, click here to view.

How Insurers Calculate Mercury Mountaineer Insurance Costs

Consumers need to have an understanding of some of the elements that help determine the rates you pay for car insurance. If you have some idea of what determines premiums, this allows you to make good choices that can earn you better car insurance rates.

The factors shown below are a few of the “ingredients” used by companies to determine premiums.

• Frequent insurance claims increase rates – If you are the type of insured that files lots of claims you can definitely plan on higher premiums or even policy non-renewal. Auto insurance companies in Alaska generally give the lowest premiums to policyholders who are claim-free. Your insurance policy is designed for claims that you cannot pay yourself.
• Better car insurance rates for continuous coverage – Driving your car without having proper coverage can get your license suspended and companies may charge more for letting your insurance expire. Not only will you pay higher rates, failure to provide proof of insurance can result in a fine, jail time, or a revoked license. You may have to file a SR-22 with the Alaska motor vehicle department.
• Liability protection is critical – The liability coverage on your policy is the coverage that protects you when a court rules you are at fault for damages caused by your negligence. Your liability coverage provides for a legal defense to defend your case. Liability is cheap compared to physical damage coverage, so do not skimp.

• What type of car do you drive? – The performance of the car or truck you are buying insurance for makes a huge difference in your rates. The most favorable rates will generally be found on small economy passenger models, but many other things help determine your insurance rates.

  The next chart assumes a married female driver age 30, full coverage with $100 deductibles, and no discounts or violations. It compares Mercury Mountaineer rates compared to other models that have different risk factors.

• Your age impacts your prices – Older drivers are viewed as being more responsible, cause fewer claims and accidents, and are generally more financially stable. Teenage drivers have been known to get distracted easily with other occupants in the car so they pay higher car insurance rates.

  The data below uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.

• High credit scores save money – A driver’s credit rating is likely to be a major factor in your rate calculation. If your credit score is not that good, you could be paying less to insure your Mercury Mountaineer by repairing your credit. People that have very good credit scores tend to be better risks to insure than drivers with lower ratings.

You may require the services of an insurance agent

Certain consumers would rather get advice from a local agent and often times that is recommended The biggest benefit of getting online price quotes is the fact that drivers can get cheap auto insurance rates but also keep your business local.

After completing this simple form, the coverage information is instantly submitted to local insurance agents in Anchorage who can give free rate quotes for your auto insurance coverage. You won’t even need to search for an agent because quoted prices will be sent to your email. You can find the lowest rates and an insurance agent to talk to. If you need to get a price quote from a specific insurance company, you just need to visit that company’s website and fill out the quote form the provide.

Choosing an insurer should include more criteria than just a cheap price. A good agent in Anchorage will have answers to these questions.

• Do they have a Better Business Bureau rating in Anchorage?
• Is assistance available after office hours?
• When do they do a full risk review?
• How is replacement cost determined on your vehicle?
• Did they already check your driving record and credit reports?
• Are they involved in claim handling?

After getting answers to your satisfaction to all your questions as well as an affordable premium quote, you have narrowed it down to an insurance company that can be trusted to properly service your auto insurance policy.

Be persistent to save money

People switch companies for any number of reasons including policy cancellation, poor customer service, high prices and delays in responding to claim requests. It doesn’t matter why you want to switch finding a new company can be pretty painless.

When getting Anchorage auto insurance quotes online, it’s very important that you do not buy poor coverage just to save money. Too many times, someone dropped liability coverage limits only to regret they didn’t have enough coverage. The aim is to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.

Low-cost Mercury Mountaineer insurance in Anchorage is definitely available from both online companies as well as from independent agents in Anchorage, so you need to shop Anchorage auto insurance with both in order to have the best chance of saving money. A few companies may not offer the ability to get a quote online and most of the time these smaller companies prefer to sell through local independent agents.

How to find low-cost Mercury Mountaineer insurance in Anchorage

Really, the only way to find cheaper prices for Mercury Mountaineer insurance in Anchorage is to compare prices annually from companies that sell auto insurance in Alaska.

1. Spend a few minutes and learn about how insurance companies determine prices and the changes you can make to prevent expensive coverage. Many rating criteria that drive up the price like speeding tickets, accidents and a negative credit history can be improved by making small lifestyle or driving habit changes.
2. Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like Progressive and State Farm, while independent agents can provide prices for a wide range of companies. Get quotes now
3. Compare the new quotes to the premium of your current policy to determine if switching companies saves money. If you find a better price and make a switch, make sure there is no coverage gap between policies.
4. Provide notification to your current company of your decision to cancel your current car insurance policy and submit a down payment along with a completed application to your new carrier. Once coverage is bound, keep the new proof of insurance paperwork along with your vehicle registration.

A valuable tip to remember is that you use the same coverage limits and deductibles on every quote and and to get rates from every company you can. This helps ensure a fair price comparison and a thorough price selection.

To read more, link through to the articles below:

• Top Signs Your Brakes are Giving Out (State Farm)
• Who Has Affordable Auto Insurance Quotes for Young Drivers in Anchorage? (FAQ)
• What Car Insurance is Cheapest for Unemployed Drivers in Anchorage? (FAQ)
• How Much are Anchorage Auto Insurance Rates for a Dodge Ram? (FAQ)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Credit Impacts Car Insurance Rates (State Farm)
• Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
• What are my Rights when Filing a Claim? (Insurance Information Institute)