Affordable Insurance for a Mercury Mountaineer in Omaha

The recommended way to find lower priced Mercury Mountaineer insurance is to do an annual price comparison from insurers in Omaha. Rates can be compared by following these steps.

1. Get an understanding of coverages and the things you can change to prevent high rates. Many factors that increase rates like speeding tickets, careless driving and a less-than-favorable credit rating can be rectified by making minor changes to your lifestyle. Later in this article we will cover the details to find cheap prices and find overlooked discounts.
2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like Progressive and State Farm, while independent agents can provide rate quotes from multiple companies.
3. Compare the new rate quotes to the premium of your current policy to see if a cheaper price is available. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.
4. Notify your agent or company of your intent to cancel your current policy and submit the required down payment along with the signed application for the new policy. Once the paperwork is finalized, keep the new proof of insurance certificate in your glove compartment.

One key aspect of rate comparisons is to make sure you enter similar deductibles and liability limits on every quote request and and to compare as many carriers as you can. Doing this provides a fair rate comparison and a thorough selection of prices.

It’s amazing but a large majority of consumers kept their coverage with the same car insurance company for a minimum of four years, and approximately 38% of consumers have never compared car insurance rates at all. The average driver in Omaha can save $388 each year, but they just don’t want to compare rates online.

Best companies for cheap Mercury Mountaineer insurance in Nebraska

The companies shown below offer price comparisons in Nebraska. In order to find cheap auto insurance in NE, we recommend you visit several of them in order to find the most competitive rates.

Rate information and statistics

The rate information displayed next covers detailed analysis of insurance premium costs for Mercury Mountaineer models. Having knowledge of how insurance rates are determined is important for drivers to make informed decisions when shopping around for a new policy.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in your specific Omaha location which can raise or lower rates considerably.

Higher deductibles lower rates

A question often asked by Omaha drivers is how high should the physical damage coverage deductibles be. The figures shown below lay out the differences in price between high and low physical damage coverage deductibles. The first set of prices uses a $250 physical damage deductible and the second rate chart uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in specific location information which can influence auto insurance rates significantly.

Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $23 more each month or $276 a year than selecting the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 33 months between claims, you would more than likely save some money if you choose the higher deductible.

One thing to note is that higher deductibles results in having to pay to pay more out-of-pocket at claim time. You need enough extra savings in the event you need to pay more to get your vehicle repaired.

Mercury Mountaineer full coverage rates compared to liability only

The illustration below illustrates the comparison of Mercury Mountaineer premium costs with liability coverage only compared to full coverage. The premium estimates are based on no tickets, no at-fault accidents, $250 deductibles, single status, and no additional discounts are factored in.

Are you wasting money paying for full coverage?

There is no clear-cut rule for dropping comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s pretend your Mercury Mountaineer book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $2,000 after paying your policy deductible. If premiums are more than $200 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are a few situations where eliminating full coverage is not advised. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not remove full coverage.

Smart Buyers Know How to Quote Car Insurance Cheaper

It’s important that you understand some of the things that help determine your policy premiums. If you have some idea of what controls the rates you pay, this enables informed choices that could result in big savings.

Raise comp and collision deductibles and save – Protection for physical damage, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Some instances where coverage would apply could be a dented fender, collision with an animal, or theft. Physical damage deductibles define how much you are required to spend if a claim is determined to be covered. The more expense you are required to pay out-of-pocket, the less money you will pay for car insurance.

Urban residents pay more – Residing in a rural area has definite advantages when buying car insurance. Drivers in populated areas regularly have more aggressive driving styles and longer commutes to work. Lower population corresponds to lower accident rates and also fewer theft and vandalism claims.

Type of car, truck or SUV determines base rates – The type of car you drive makes a substantial difference in determining your rates. The cheapest rates are generally reserved for the lowest performance passenger cars, but your final cost has many other factors.

The next chart is based on a single female driver age 50, full coverage with $250 deductibles, and no discounts or violations. The chart compares Mercury Mountaineer rates compared to other models that have a range of performances.

Premiums are high for teenagers – Older insureds are shown to be more cautious, statistically cause fewer accidents, and get fewer tickets. Young drivers are statistically proven to get distracted easily when behind the wheel and because of this, their car insurance rates are much higher.

The chart below uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

These discounts can lower your insurance quotes

Insurance is expensive, but you may qualify for discounts to reduce the price significantly. Certain discounts will be triggered automatically when you get a quote, but a few must be specifically requested before being credited.

• E-sign – Some larger companies provide a small discount for buying a policy and signing up on the internet.
• Government Employees – Being employed by or retired from a federal job could cut as much as 10% off with some insurance companies.
• Pay Upfront and Save – By making one initial payment rather than paying monthly you can avoid the installment charge.
• Anti-lock Brake System – Cars and trucks with ABS and/or traction control are much safer to drive and the ABS can save up to 10%.
• Home Ownership Discount – Owning your own home or condo can save a few bucks because it is proof of financial responsibility.
• Drive Safe and Save – Safe drivers can save up to 40% or more on their Omaha auto insurance quote than their less cautious counterparts.
• Senior Discount – Seniors can possibly qualify for a small decrease in premiums.
• Policy Bundle Discount – When you have multiple policies with the same company you could save over 10 percent off each policy depending on the company.
• Organization Discounts – Having an affiliation with a civic or occupational organization in Omaha could trigger savings when getting a Omaha auto insurance quote.
• Driver Education Discount – Cut your cost by having your teen driver successfully take a driver’s education course in school.

You should keep in mind that some credits don’t apply to your bottom line cost. The majority will only reduce specific coverage prices like medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, companies don’t profit that way. Any amount of discount should definitely cut the amount you pay for coverage.

The example below compares Mercury Mountaineer insurance costs with and without discounts applied. Data assumes a male driver, a clean driving record, no claims, Nebraska state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, marriage, claim-free, and homeowner discounts applied.

A few popular companies and their offered discounts can be read below.

• State Farm has discounts for multiple policy, accident-free, driver’s education, defensive driving training, and good driver.
• GEICO discounts include good student, federal employee, daytime running lights, five-year accident-free, air bags, anti-lock brakes, and driver training.
• SAFECO offers discounts for safe driver, anti-theft, accident prevention training, teen safe driver, anti-lock brakes, drive less, and bundle discounts.
• Farmers Insurance has savings for electronic funds transfer, bundle discounts, alternative fuel, youthful driver, and business and professional.
• AAA policyholders can earn discounts including pay-in-full, anti-theft, good student, AAA membership discount, and education and occupation.
• USAA may include discounts for driver training, defensive driver, military installation, good student, multi-policy, multi-vehicle, and family discount.

Before you buy a policy, ask each company how many discounts you can get. Some discounts may not apply in Omaha. To see a list of providers with significant discounts in Omaha, click this link.

Local agents and insurance

A lot of people just prefer to talk to an insurance agent and we recommend doing that A good thing about price shopping on the web is you may find lower prices but also keep your business local.

To find an agent, once you fill out this simple form, your insurance data is transmitted to local insurance agents who will give you quotes and help you find cheaper coverage. There is no need to leave your house due to the fact that quote results will go immediately to you. You can most likely find cheaper rates without requiring a lot of work. If you need to compare prices from a specific company, you would need to search and find their rate quote page and fill out their quote form.

Picking an company requires you to look at more than just a low price. Get answers to these questions too.

• Will you work with the agent or an assistant?
• Will the company cover a rental car if your car is getting fixed?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• If you have an accident, will your rates go up?
• Do they have a Better Business Bureau rating in Omaha?
• What company holds the largest book of business for them?
• Do they reduce claim amounts on high mileage vehicles?

If you want to use a local insurance agency, there are two different agency structures from which to choose. Insurance agents may be either independent or exclusive.

Exclusive Insurance Agencies

Agents of this type can usually just insure with one company such as Allstate, State Farm and Farmers Insurance. These agents are unable to provide rate quotes from other companies so they really need to provide good service. Exclusive insurance agents are highly trained on their company’s products which aids in selling service over price.

Below are Omaha exclusive agencies that can give you price quote information.

View more Omaha agents

Independent Insurance Agents

Independent agencies are not employed by one company and that enables them to quote your coverage with many different companies and find you the best rates. If your premiums go up, they simply move the coverage in-house which is easy for the insured. If you need cheaper insurance rates, you will definitely want to compare prices from several independent agencies to get the best comparison.

Below is a short list of independent insurance agencies in Omaha who can help you get rate quotes.

View more Omaha agents

What is the best auto insurance company in Omaha?

Buying coverage from a good quality insurance provider can be challenging considering how many different companies sell coverage in Omaha. The company information below could help you choose which coverage providers you want to consider when comparing rate quotes.

Top 10 Omaha Car Insurance Companies Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. GEICO
8. Safeco Insurance
9. Mercury Insurance
10. Esurance

Do I need special coverages?

When choosing coverage online or from an agent for your vehicles, there really isn’t a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply.
These are some specific questions can help discover whether your personal situation would benefit from an agent’s advice.

• Can I afford low physical damage deductibles?
• When do I need to add a new car to my policy?
• Does my policy cover my teen driver if they drive my company car?
• Am I covered if I back into my garage door?
• Is a driver training discount available?
• What does UM/UIM cover?
• What is medical payments coverage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Affordable car insurance premiums are possible

Lower-priced car insurance in Omaha can be purchased both online and from local agencies, and you should compare rates from both in order to have the best price selection to choose from. A few companies may not offer the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

You just learned some good ideas how you can reduce Mercury Mountaineer insurance prices online in Omaha. The key concept to understand is the more quotes you get, the better chance you’ll have of finding cheaper Omaha auto insurance quotes. Consumers could even find that the lowest prices come from a company that doesn’t do a lot of advertising. They may often insure only within specific states and give better rates than their larger competitors like GEICO and State Farm.

More tips and info about car insurance can be read by following these links:

• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• Who Has Affordable Auto Insurance Quotes for Drivers with a DUI in Omaha? (FAQ)
• Who Has the Cheapest Car Insurance Rates for College Graduates in Omaha? (FAQ)
• Who Has the Cheapest Omaha Auto Insurance for Postal Workers? (FAQ)
• How Much are Car Insurance Rates for Real Estate Agents in Omaha? (FAQ)
• Think You’re a Safe Driver? (State Farm)
• Child Safety FAQ (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Institute)