Statistics show that the vast majority of insurance customers kept buying from the same company for four years or more, and nearly half have never compared quotes from other companies. Oklahoma City drivers could save almost $600 every year, but they just don’t want to compare rates and save money.
Really, the only way to find cheaper quotes for Mercury Mountaineer insurance in Oklahoma City is to start doing a yearly price comparison from companies in Oklahoma. Rates can be compared by following these guidelines.
- First, take a little time to learn about what is in your policy and the measures you can take to keep rates in check. Many policy risk factors that increase rates like at-fault accidents, careless driving, and a poor credit rating can be controlled by making lifestyle changes or driving safer.
- Second, compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO or Farmers Insurance, while agents who are independent can quote prices for many different companies.
- Third, compare the new rate quotes to your existing rates and see if there is a cheaper rate. If you find a lower rate quote and change companies, make sure there is no lapse in coverage.
- Fourth, provide proper notification to your current company of your decision to cancel your current policy. Submit a signed application and payment for your new coverage. As soon as you can, store the proof of insurance paperwork along with your vehicle registration.
One key aspect when comparing rates is to try to use the same liability limits and deductibles on each price quote and and to get quotes from as many companies as possible. This provides a level playing field and a better comparison of the market.
The majority of larger companies allow consumers to get insurance quotes direct online. Doing online price comparisons for Mercury Mountaineer insurance in Oklahoma City doesn’t take a lot of time as you just enter the amount of coverage you want into the quote form. After you complete the form, the company’s rating system pulls your credit score and driving record and generates a price.
Being able to quote online for Mercury Mountaineer insurance in Oklahoma City makes it a lot easier to compare rates and it’s very important to perform this step in order to get a better rate.
To quickly find out what other companies charge, check out the insurance providers below. If you have your current policy handy, we recommend that you enter your coverages identical to your current policy. This makes sure you will have comparison quotes for similar coverage.
The auto insurance companies shown below provide comparison quotes in Oklahoma. If multiple companies are listed, it’s a good idea that you compare several of them in order to get a fair rate comparison.
Save money on Mercury Mountaineer insurance in Oklahoma City with these discounts
Companies that sell car insurance don’t list all discounts in a way that’s easy to find, so the following list contains both well-publicized in addition to some of the lesser obvious credits available to you.
- Smart Student Discounts – Performing well in school could provide a savings of up to 20% or more. Earning this discount can benefit you until age 25.
- Fewer Miles Equal More Savings – Low annual miles could qualify for discounted prices on garaged vehicles.
- Telematics Data Discounts – Drivers that enable their insurance company to scrutinize driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they exhibit good driving behavior.
- ABS Braking Discount – Vehicles with ABS braking systems or traction control can reduce accidents and will save you 10% or more on Mountaineer insurance in Oklahoma City.
- Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class in high school.
- Defensive Driver Discount – Successfully completing a safe driver course can save you 5% or more and make you a better driver.
- Discount for Multiple Policies – If you have multiple policies with the same company you could save over 10 percent off each policy depending on the company.
Just know that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way.
The diagram below compares Mercury Mountaineer car insurance costs with and without policy discounts. The premium estimates are based on a female driver, no tickets, no at-fault accidents, Oklahoma state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, safe-driver, marriage, and multi-policy discounts applied.
Some of the insurance companies that have some of the above discounts include:
Before buying, ask every prospective company which discounts you may be entitled to. Some of the earlier mentioned discounts may not be offered everywhere. To view companies who offer cheap Mercury Mountaineer insurance quotes in Oklahoma, click here to view.
Mercury Mountaineer coverage analysis
The information below covers detailed analysis of insurance coverage prices for Mercury Mountaineer models. Having insight into how car insurance prices are determined can help drivers make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mountaineer 2WD | $396 | $584 | $588 | $34 | $176 | $1,778 | $148 |
| Mountaineer AWD | $446 | $584 | $588 | $34 | $176 | $1,828 | $152 |
| Mountaineer Premier 2WD | $446 | $688 | $588 | $34 | $176 | $1,932 | $161 |
| Mountaineer Premier AWD | $446 | $688 | $588 | $34 | $176 | $1,932 | $161 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Price information does not factor in specific location which can lower or raise premium rates greatly.
The example below illustrates how your choice of deductibles and can raise or lower Mercury Mountaineer insurance premiums for each age group. The premiums are based on a single female driver, full coverage, and no discounts are factored in.
Rate comparison of male drivers versus female drivers
The illustration below shows the comparison of Mercury Mountaineer insurance prices for male and female drivers. The prices are based on no accidents or driving violations, full coverage, $500 deductibles, single marital status, and no other discounts are factored in.
Why You Might Pay Inflated Rates in Oklahoma City
An important part of buying insurance is that you know the rating factors that aid in calculating car insurance rates. When you understand what controls the rates you pay, this empowers consumers to make smart changes that can help you get lower premium levels. Multiple criteria are taken into consideration when you quote your car insurance policy. Some are obvious like an MVR report, but other factors are less obvious such as your marital status or your financial responsibility.
- Your employer is a factor – Occupational choices like fire fighters, airline pilots, and stock brokers generally have higher premium rates in part from intense work situations and lots of time spent at work. On the other hand, careers like professors, historians and performers pay the least.
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More performance means higher premiums – The performance level of the car, truck or SUV you are buying insurance for makes a significant difference in your premium level. Economy passenger cars usually have the lowest rates, but many other things help determine your insurance rates.
The data below assumes a married female driver age 40, full coverage with $100 deductibles, and no discounts or violations. It shows Mercury Mountaineer rates compared to other vehicles that have a range of performances.
- Deter car thieves – Driving a car with a theft deterrent system can save you some money. Systems that thwart thieves like OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft and help bring rates down.
- Cheaper rates with high coverage deductibles – Physical damage deductibles define the amount you are willing to pay before your car insurance pays a claim. Insurance for physical damage, also called comprehensive and collision insurance, protects your car from damage. Some examples of claims that would be covered could be colliding with a stationary object, collision with a deer, and having a roll-over accident. The more money you have to pay, the less your company will charge you for insurance.
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Avoid tickets and save – How you drive can have a huge impact on auto insurance premiums. Only having one citation could increase your next policy renewal twenty percent or more. Good drivers receive lower rates compared to drivers with tickets. Drivers who have received serious citations like DUI or reckless driving may need to complete a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.
The information below shows how speeding tickets and accidents can influence Mercury Mountaineer insurance prices for different categories of driver ages. The information is based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied.
- Allowing your coverage to lapse raises prices – Driving your car without having proper coverage is a misdemeanor and as a result your rates will increase for letting your coverage lapse. And not only will insurance be more expensive, the inability to provide proof of insurance will get you fines and jail time.