Anyone knows that auto insurance companies don’t want you shop around. People who compare rates once a year are highly likely to switch to a new company because of the high probability of finding lower prices. Remarkably, a study showed that people who made a habit of comparing rate quotes saved an average of $3,400 over four years compared to other drivers who never compared other company’s rates.
If saving money on Mercury Mountaineer insurance is your objective, then learning about how to find companies and compare insurance can help you succeed in finding affordable rates.
If you want to save money, the best way to get affordable auto insurance rates is to do a yearly price comparison from providers in Virginia Beach.
- Spend some time learning about how your policy works and the steps you can take to prevent expensive coverage. Many factors that drive up the price such as speeding tickets, careless driving and an imperfect credit history can be eliminated by making minor driving habit or lifestyle changes.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or State Farm, while agents who are independent can quote rates from many different companies. Start a quote
- Compare the price quotes to your current policy and see if there is a cheaper rate. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.
- Tell your current agent or company of your intention to cancel your current policy. Submit the application along with any required down payment for your new coverage. Once the application is submitted, place the new certificate verifying coverage somewhere easily accessible.
A tip to remember is to make sure you enter the same deductibles and limits on each quote request and and to analyze as many car insurance companies as possible. This guarantees an apples-to-apples comparison and plenty of rates choose from.
If you have a current car insurance policy or just want to reduce your rates, you can use these techniques to buy cheaper car insurance without reducing coverage. These tips will help you learn the best way to buy inexpensive car insurance and some tips to save money. Vehicle owners just need to understand the least time-consuming way to get comparison quotes online from multiple companies.
The most recommended method to compare rate quotes for Mercury Mountaineer insurance in Virginia Beach is to know the fact most of the larger companies have advanced systems to give you rate quotes. To begin a comparison, all you need to do is provide a small amount of information including which vehicles you own, how much coverage you want, whether the vehicles are used for commuting, and if a SR-22 is needed. Your details is instantly provided to multiple top-rated companies and you get price estimates within a short period of time.
To find lower cheaper Mercury Mountaineer insurance rates now, click here and find out if lower rates are available in Virginia Beach.
The car insurance companies shown below offer comparison quotes in Virginia Beach, VA. If you wish to find cheap car insurance in Virginia Beach, VA, it’s a good idea that you get rates from several of them in order to get a fair rate comparison.
Insurance is not optional in Virginia
Despite the high cost, insurance is most likely required but also gives you several important benefits.
- Just about all states have minimum liability requirements which means you are required to carry a specific level of liability coverage if you drive a vehicle. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If you have a lien on your Mountaineer, most banks will require that you buy insurance to guarantee payment of the loan. If you default on your policy, the bank or lender will purchase a policy for your Mercury at a much higher premium rate and require you to pay the higher premium.
- Insurance preserves both your car and your personal assets. It will also reimburse you for medical bills that are the result of an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you cause an accident and are sued. If you have damage to your Mercury as the result of the weather or an accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having insurance outweigh the cost, especially for larger claims. But the average American driver is overpaying over $869 every year so it’s recommended you shop around every year to ensure rates are inline.
Mercury Mountaineer insurance charts and tables
The price information displayed next outlines detailed analysis of insurance prices for Mercury Mountaineer models. Knowing how insurance policy premiums are established can assist in making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mountaineer 2WD | $214 | $392 | $262 | $16 | $78 | $962 | $80 |
| Mountaineer AWD | $242 | $392 | $262 | $16 | $78 | $990 | $83 |
| Mountaineer Premier 2WD | $242 | $462 | $262 | $16 | $78 | $1,060 | $88 |
| Mountaineer Premier AWD | $242 | $462 | $262 | $16 | $78 | $1,060 | $88 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in zip code location which can lower or raise rates greatly.
Can higher deductibles save money?
One common question asked by Virginia Beach drivers is how low should you set your deductibles. The figures shown below approximate the differences in premium rates between high and low physical damage coverage deductibles. The first pricing table uses a $100 deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mountaineer 2WD | $222 | $400 | $258 | $16 | $78 | $999 | $83 |
| Mountaineer AWD | $250 | $400 | $258 | $16 | $78 | $1,027 | $86 |
| Mountaineer Premier 2WD | $250 | $472 | $258 | $16 | $78 | $1,099 | $92 |
| Mountaineer Premier AWD | $250 | $472 | $258 | $16 | $78 | $1,099 | $92 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mountaineer 2WD | $162 | $270 | $258 | $16 | $78 | $784 | $65 |
| Mountaineer AWD | $182 | $270 | $258 | $16 | $78 | $804 | $67 |
| Mountaineer Premier 2WD | $182 | $318 | $258 | $16 | $78 | $852 | $71 |
| Mountaineer Premier AWD | $182 | $318 | $258 | $16 | $78 | $852 | $71 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in vehicle garaging location which can revise premiums considerably.
Using the data above, we can ascertain that using a $100 deductible costs approximately $19 more each month or $228 for a full year than quoting the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 21 months between claim filings, you would probably be better off if you opt for a higher deductible.
Annual premiums for males compared to females in Virginia Beach
The illustration below shows the comparison of Mercury Mountaineer insurance rates for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, comp and collision included, $250 deductibles, single marital status, and no discounts are taken into consideration.
Cheaper Mercury Mountaineer insurance in Virginia Beach
Car insurance can cost a lot, but you might already qualify for some discounts that you may not even know about. Most are applied when you complete an application, but once in a while a discount must be asked about before they will apply.
- Senior Discount – Drivers over the age of 55 are able to get a small discount on rates.
- Membership in Organizations – Participating in qualifying employment or professional organizations is a simple method to lower premiums on your bill.
- Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and earn discounts up to 10%.
- Government Employees – Having worked for a branch of the government can earn a discount up to 10% with select insurance companies.
- Accident Forgiveness – Not a discount per se, but companies like State Farm, Progressive and GEICO will allow you to have one accident before hitting you with a surcharge if your claims history is clear before the accident.
- Theft Prevention Discount – Cars optioned with advanced anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
- Early Renewal Discounts – A few larger companies give discounts for switching to them before your current Mountaineer insurance policy expires. You may see this discount when you get Virginia Beach auto insurance quotes online.
Please keep in mind that many deductions do not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability and collision coverage. If you do the math and it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.
The chart below visualizes the comparison of Mercury Mountaineer premium costs with and without discounts applied to the rates. The premiums are based on a female driver, no claims or violations, Virginia state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, claim-free, homeowner, and multi-car discounts applied.
To find insurance companies with significant discounts in Virginia, click here to view.
Get rate quotes but still have a local neighborhood Virginia Beach car insurance agent
Some consumers just want to visit with an insurance agent and that can be a great decision Professional insurance agents will help you protect your assets and will help you if you have claims. An additional benefit of getting online price quotes is that you can obtain cheap rate quotes and still have a local agent.
To make it easy to find an agent, after completing this short form, the quote information is emailed to companies in Virginia Beach who will give competitive quotes to get your business. There is no need to even leave your home due to the fact that quote results will go directly to your email. If you wish to compare rates for a specific company, don’t hesitate to navigate to their website and complete a quote there.
Choosing the best company requires more thought than just the quoted price. Get answers to these questions too.
- What discounts might you be missing?
- How often do they review coverages?
- Can you contact them at any time?
- Is the agent CPCU or CIC certified?
- Do they feel the quoted coverages are adequate?
- Which companies do they recommend if they are an independent agency?
Different types of car insurance agents in Virginia Beach
If you are wanting to purchase insurance from a good insurance agency, it’s important to understand the types of agencies that differ in how they can insure your vehicles. Agencies in Virginia Beach are either independent agents or exclusive agents. Either one can sell and service insurance coverage, but it’s a good idea to understand how they differ because it can influence which type of agent you select.
Exclusive Insurance Agencies
Exclusive insurance agents can only quote rates from one company and examples are State Farm, Allstate, and Farm Bureau. These agents are not able to provide prices from multiple companies so it’s a take it or leave it situation. These agents are highly trained on their company’s products which aids in selling service over price. Drivers often choose to use a exclusive agent partially due to loyalty to the company rather than low rates.
Below are Virginia Beach exclusive insurance agents who can help you get comparison quotes.
- Al Taxter – State Farm Insurance Agent
6070 Indian River Rd #104 – Virginia Beach, VA 23464 – (757) 420-2575 – View Map - Aubrey Pithwa – State Farm Insurance Agent
562 Lynnhaven Pkwy #201 – Virginia Beach, VA 23452 – (757) 227-9700 – View Map - Jane Peak – State Farm Insurance Agent
315 N Great Neck Rd #220 – Virginia Beach, VA 23454 – (757) 340-8060 – View Map
Independent Agencies or Brokers
Agents of this type are not required to write business for one company and that gives them the ability to insure amongst many companies and get you the best rates possible. To move your coverage to a new company, the business is moved internally and you stay with the same agent. When comparing rates, you should always include price quotes from a couple of independent agencies in order to have the best price comparison. Most independent agents also contract with different regional companies which may provide better rates.
The following is a list of independent agencies in Virginia Beach willing to provide comparison quotes.
- Nationwide Insurance: Bob McCrearyh CLU Insurance Agency, Inc.
533 Newtown Rd #112 – Virginia Beach, VA 23462 – (757) 497-1899 – View Map - Nicki Kopassis Insurance Agency Inc.
2433 N Landing Rd – Virginia Beach, VA 23456 – (757) 301-6397 – View Map - Nationwide Insurance: Matthew Clifton Roenker Agency
4870 Haygood Rd Ste 108 – Virginia Beach, VA 23455 – (757) 671-1111 – View Map
After receiving positive feedback to your questions and an acceptable price quote, most likely you have located an insurance agent that meets the requirements to properly insure your vehicles.
Be persistent and save
Cheaper auto insurance in Virginia Beach can be purchased both online as well as from independent agents in Virginia Beach, so you need to quote Virginia Beach auto insurance with both to have the best selection. Some insurance companies don’t offer online price quotes and usually these small, regional companies only sell through local independent agents.
Insureds who switch companies do it for a number of reasons such as policy non-renewal, unfair underwriting practices, not issuing a premium refund or even questionable increases in premium. It doesn’t matter what your reason, choosing a new company is actually quite simple.
As you shop your coverage around, never reduce needed coverages to save money. There have been many situations where someone dropped liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The goal is to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.
More learning opportunities
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- What is the Cheapest Auto Insurance in Virginia? (FAQ)
- How Much is Car Insurance for Teenage Females in Virginia Beach? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Nissan Rogue in Virginia Beach? (FAQ)
- Frontal Crash Tests (iihs.org)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Think You’re a Safe Driver? (State Farm)