Find Affordable Mercury Mountaineer Insurance in Philadelphia

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Insurance rates Mercury Mountaineer in PhiladelphiaAre you researching cheaper Mercury Mountaineer insurance in Philadelphia? Are you burned out from not being able to scrape enough together to pay high car insurance rates every month? Your situation is no different than most other drivers in Pennsylvania.

It's an obvious conclusion that car insurance companies don't want customers comparing rates. People who get price quotes annually are very likely to switch car insurance companies because they have good chances of finding lower prices. A recent survey discovered that people who did price comparisons regularly saved as much as $3,450 over four years compared to policyholders who don't regularly compare prices.

If finding the lowest price for car insurance in Philadelphia is why you're reading this, then having a good understanding the best ways to shop for insurance can make it easier for you to save money. Big companies like State Farm, GEICO and Farmers Insurance all claim big savings with advertising and consumers find it hard to see past the corporate glitz and find the best price available.

Companies offering Mercury Mountaineer insurance in Pennsylvania

The companies shown below are our best choices to provide free rate quotes in Philadelphia, PA. If more than one company is shown, we recommend you visit two to three different companies in order to find the most affordable rates.

Car insurance data for a Mercury Mountaineer

The premium table shown below showcases a range of insurance rates for Mercury Mountaineer models. Learning more about how insurance quotes are determined can help guide drivers when making informed purchases.

Mercury Mountaineer Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $218 $420 $346 $20 $104 $1,108 $92
Mountaineer AWD $246 $420 $346 $20 $104 $1,136 $95
Mountaineer Premier 2WD $246 $494 $346 $20 $104 $1,210 $101
Mountaineer Premier AWD $246 $494 $346 $20 $104 $1,210 $101
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Estimates do not factor in your specific Philadelphia location which can decrease or increase premium rates substantially.

Physical damage deductibles

One of the most common car insurance questions is the level to set your comp and collision deductibles. The tables below may aid in understanding the differences in price when you choose different comp and collision deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Mercury Mountaineer insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $254 $428 $330 $20 $98 $1,155 $96
Mountaineer AWD $288 $428 $330 $20 $98 $1,189 $99
Mountaineer Premier 2WD $288 $506 $330 $20 $98 $1,267 $106
Mountaineer Premier AWD $288 $506 $330 $20 $98 $1,267 $106
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Mercury Mountaineer insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $158 $270 $330 $20 $98 $876 $73
Mountaineer AWD $178 $270 $330 $20 $98 $896 $75
Mountaineer Premier 2WD $178 $318 $330 $20 $98 $944 $79
Mountaineer Premier AWD $178 $318 $330 $20 $98 $944 $79
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in specific zip code location which can lower or raise prices significantly.

Based on the data above, we can derive that using a $250 deductible will cost you about $25 more each month or $300 for a full year than opting for the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 30 months between claims, you would probably come out ahead if you elect the higher deductible. Here's how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $102
Average monthly premium for $1,000 deductibles (subtract): - $77
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

An important thing to remember is that raising deductibles means you will have to cover more of the damage yourself when you do file a claim. You should have enough money in the bank in the event you need to pay the higher deductible.

The chart below highlights how deductible choice and can influence Mercury Mountaineer yearly insurance costs for different age groups of insureds. The prices are based on a single male driver, comp and collision included, and no discounts are factored in.

Age-based car insurance rates by gender

The information below shows the difference between Mercury Mountaineer insurance costs for male and female drivers. The information is based on no claims, a clean driving record, full physical damage coverage, $500 deductibles, single marital status, and no discounts are applied to the premium.

How much more does full coverage cost?

The chart below illustrates the difference between Mercury Mountaineer insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Pennsylvania. The price estimates are based on no claims or driving violations, $1,000 deductibles, single marital status, and no policy discounts are applied.

When to stop buying physical damage coverage

There isn't a steadfast formula of when to eliminate full coverage, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of the vehicle's replacement cost less your deductible, then it could be time to drop full coverage.

For example, let's pretend your Mercury Mountaineer claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $6,000 after paying your deductible. If premium cost is more than $600 annually for your policy with full coverage, then you might consider buying liability only.

There are some situations where dropping full coverage is not a good plan. If you haven't satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Do you qualify for discounts on Mercury Mountaineer insurance in Philadelphia?

Not many people think insurance is cheap, but there's a good chance there are discounts that could drop your premiums quite a bit. Some of these discounts will be visible when you complete an application, but lesser-known reductions have to be inquired about prior to receiving the credit.

  • Discount for Low Mileage - Driving fewer miles may allow you to get cheaper car insurance rates.
  • Discount for Passive Restraints - Options like air bags and/or automatic seat belt systems may get savings as much as 30%.
  • Accident Waiver - This isn't a discount exactly, but some insurance companies will forgive one accident before raising your premiums so long as you are claim-free prior to the accident.
  • Discount for Life Insurance - Larger car insurance companies have better rates if you take out a life policy as well.
  • Memberships - Being in a professional or civic organization is a good way to get lower rates on your bill.
  • Federal Government Employee - Employees or retirees of the government could provide a small rate reduction but check with your company.
  • Distant College Student Discount - Children who are enrolled in a college that is more than 100 miles from Philadelphia and don't have a car can be insured at a reduced rate.

As is typical with insurance, many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, company stockholders wouldn't be very happy.

The diagram below shows the difference between Mercury Mountaineer car insurance costs with and without discounts applied to the rates. The premiums are based on a male driver, no driving violations, no at-fault accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, claim-free, multi-car, and multi-policy discounts applied.

A few of the larger companies and some of their more popular discounts include:

  • Esurance has savings for good student, homeowner, online quote, claim free, good driver, anti-lock brakes, and emergency road assistance.
  • The Hartford may offer discounts for vehicle fuel type, defensive driver, anti-theft, driver training, air bag, and good student.
  • AAA policyholders can earn discounts including multi-policy, good student, good driver, anti-theft, AAA membership discount, and pay-in-full.
  • GEICO has discounts for multi-policy, anti-theft, five-year accident-free, membership and employees, and air bags.
  • State Farm may have discounts that include defensive driving training, safe vehicle, multiple policy, Drive Safe & Save, driver's education, and good driver.

If you are trying to find the cheapest Mercury Mountaineer rate quotes, ask each company to give you their best rates. Some of the discounts discussed earlier may not be available in your area.

Local insurance agents

Many drivers prefer to sit down with an agent and we recommend doing that Professional insurance agents are trained to spot inefficiencies and help in the event of a claim. A good thing about getting free rate quotes online is the fact that you can find lower car insurance rates but still work with a licensed agent. And providing support for local agents is especially important in Philadelphia.

Insurance agents in PhiladelphiaOnce you complete this form (opens in new window), your insurance coverage information is sent to companies in Philadelphia who will give competitive quotes for your business. There is no reason to leave your computer because prices are sent directly to you. If you need to get a price quote from a specific company, just go to their quote page and fill out the quote form the provide.

Picking a company should depend on more than just the premium amount. Some important questions to ask are:

  • Is working in the agency their full-time job?
  • How much will you save each year by using a higher deductible?
  • Is there a local claims center in Philadelphia?
  • Has the agent ever had any license suspensions?
  • Does the agency provide any after hours assistance?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Do they assist clients in filing claims?

Do the work, save more money

We covered some good ideas how you can lower your Mercury Mountaineer insurance car insurance rates in Philadelphia. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from a lesser-known regional company. They can often provide lower premium rates in certain areas than the large multi-state companies such as Allstate or State Farm.

As you prepare to switch companies, it's not a good idea to sacrifice coverage to reduce premiums. In many cases, an accident victim reduced full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at the best cost and still be able to protect your assets.

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