A study showed that most consumers in Massachusetts have bought car insurance from the same company for at least four years, and about 40% of consumers have never shopped around. Consumers in the United States can cut their rates by nearly 46.5% a year by just comparing rate quotes, but most undervalue the amount of savings they would get if they just switched companies.
If saving money is your primary concern, then the best way to get the cheapest Mercury Mountaineer insurance in Boston is to regularly compare prices from companies in Massachusetts. You can shop around by following these guidelines.
Step 1: It will benefit you to learn about how insurance works and the changes you can make to keep rates low. Many risk factors that are responsible for high rates such as at-fault accidents, careless driving, and a negative credit score can be eliminated by making lifestyle changes or driving safer. Later in this article we will cover more details to help find cheaper rates and get discounts that may be overlooked.
Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or State Farm, while agents who are independent can provide price quotes from multiple sources. View rates
Step 3: Compare the new rate quotes to your existing coverage to determine if you can save on Mountaineer insurance in Boston. If you can save some money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Tell your current company to cancel your current coverage and submit payment and a signed application to your new company or agent. Be sure to put the certificate verifying proof of insurance in a readily accessible location in your vehicle.
A crucial key to this process is to make sure you enter identical deductibles and limits on every quote request and and to get quotes from every company you can. Doing this enables an accurate price comparison and a better comparison of the market.
Comparing rates for the best insurance coverage in Boston is easy if you know what you’re doing. In a nutshell, every vehicle owner who wants cheaper insurance stands a good chance to find a cheaper policy. But Massachusetts drivers must know the way companies set your policy premium because rates are impacted by many factors.
Insurance discounts help lower rates for Mercury Mountaineer insurance in Boston
Insurance is not an enjoyable expense, but you might be missing out on some discounts that you may not know about. Some discounts apply automatically when you get a quote, but once in a while a discount must be inquired about before you get the savings.
- Professional Organizations – Having an affiliation with qualifying employment or professional organizations may earn a discount on your bill.
- Student Discounts – This discount may save you up to 25%. This discount can apply until age 25.
- Service Members Pay Less – Being on active deployment in the military may lower your insurance rates slightly.
- Pay Now and Pay Less – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
- One Accident Forgiven – This one is not really a discount per se, but companies like Allstate and GEICO will forgive one accident without getting socked with a rate hike so long as you are claim-free before the accident.
- ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents and therefore earn up to a 10% discount.
- Safety Restraint Discount – Requiring all passengers to fasten their seat belts may be able to save a few bucks off the medical payments premium.
- Student Driver Training – It’s a good idea to have your young drivers complete a driver education course in school or through a local driver safety program.
- Theft Deterrent – Cars and trucks that have factory anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
- Discount for Passive Restraints – Factory options such as air bags or motorized seat belts may qualify for discounts of more than 20%.
Remember that most discounts do not apply to all coverage premiums. Most only cut the cost of specific coverages such as collision or personal injury protection. Even though it appears adding up those discounts means a free policy, it’s just not the way it works.
The example below illustrates the comparison of Mercury Mountaineer insurance costs with and without discounts applied. The premiums are based on a female driver, no claims or driving citations, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, claim-free, multi-policy, and homeowner discounts applied.
Auto insurance companies that may offer quotes with some of the discounts shown above include:
If you want the cheapest Mercury Mountaineer rate quotes, ask every company how you can save money. Depending on the company, some discounts might not be available to policyholders in Boston. If you would like to choose from a list of companies with significant discounts in Massachusetts, click here to view.
When quoting car insurance, remember that making a lot of price comparisons gives you a better chance of getting the best price. Not every company provides online rate quotes, so you should also compare price estimates from them as well.
The companies in the list below provide free quotes in Massachusetts. In order to find the best car insurance in Boston, we recommend you compare several of them to find the cheapest car insurance rates.
Mercury Mountaineer insurance statistics and information
The data table displayed below outlines detailed analysis of insurance premium costs for Mercury Mountaineer models. Learning how rate quotes are established can help guide drivers when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mountaineer 2WD | $124 | $232 | $320 | $18 | $96 | $790 | $66 |
| Mountaineer AWD | $140 | $232 | $320 | $18 | $96 | $806 | $67 |
| Mountaineer Premier 2WD | $140 | $274 | $320 | $18 | $96 | $848 | $71 |
| Mountaineer Premier AWD | $140 | $274 | $320 | $18 | $96 | $848 | $71 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Estimates do not factor in garaging location in Boston which can decrease or increase price quotes substantially.
The illustration below demonstrates how deductibles and can increase or decrease Mercury Mountaineer insurance premiums for different age groups. The costs are based on a married female driver, full coverage, and no discounts are taken into consideration.
Insurance premiums for males and females
The example below compares Mercury Mountaineer car insurance costs for male and female drivers. The costs are based on no claims or driving violations, full physical damage coverage, $250 deductibles, marital status is single, and no additional discounts are factored in.
Mercury Mountaineer liability rates compared to full coverage
The chart below shows the difference between Mercury Mountaineer insurance premiums when comparing full coverage to state minimum liability only. The price estimates are based on no claims, a clean driving record, $100 deductibles, marital status is single, and no discounts are factored in.
When to switch to liability coverage only
There is no set guideline for phasing out physical damage coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s say your Mercury Mountaineer settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after paying your deductible. If you are paying over $200 annually for physical damage coverage, then it could be time to drop full coverage.
There are some scenarios where dropping full coverage is not advised. If you still have a lienholder on your title, you have to carry 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 event your current vehicle is totaled, you should maintain full coverage.
Learn How to Find Insurance at a Discount
Many factors are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, although some other factors are less apparent such as your marital status or how safe your car is. An important part of buying insurance is that you know the rating factors that are used to determine your premiums. If you have a feel for what determines premiums, this allows you to make educated decisions that may result in better insurance rates.
Use credit responsibly and save – Having a good credit score can be an important factor in determining premium rates. People that have excellent credit tend to be less risk to insure than those with poor credit. Therefore, if your credit rating can use some improvement, you could pay less to insure your Mercury Mountaineer by improving your rating.
Get hitched and pay lower premiums – Having a spouse may cut your premiums compared to being single. Having a significant other demonstrates that you tend to be more mature than a single person it has been statistically shown that married drivers tend to file fewer claims.
Bundle home and auto and save – Most larger insurance companies allow better rates to buyers that have more than one policy, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to compare Mercury Mountaineer rates in Boston to guarantee you are still saving the most.
Bump up comp and collision deductibles to lower rates – Comprehensive and collision coverage deductibles define the amount the insured will be required to pay if you file a covered claim. Physical damage coverage, aka comp and collision, insures against damage to your car. Some instances where coverage would apply would be rear-ending another vehicle, animal collisions, and damage caused by road hazards. The more money the insured is willing to pay, the better rate you will receive.
Can’t I compare rate quotes from local Boston insurance agents?
Some consumers prefer to talk to an insurance agent and that is just fine! The best thing about price shopping on the web is the fact that you can find better rates and also buy local. Buying from neighborhood insurance agencies is important particularly in Boston.
To help locate an agent, after submitting this quick form, your coverage information is submitted to local insurance agents in Boston who will give you quotes to get your business. You won’t need to contact any agents as quotes are delivered to you instantly. You’ll get the best rates and a licensed agent to talk to. If for some reason you want to get a comparison quote from a specific company, feel free to navigate to their website and fill out the quote form the provide.
If you prefer to buy insurance from a reliable insurance agency, there are a couple of types of agencies and how they are slightly different. Insurance agents may be either independent agents or exclusive agents depending on their employer.
Independent Agents
These agents are normally appointed by many insurers so they can insure your vehicles with any number of different companies depending on which coverage is best. If you want to switch companies, they simply switch companies in-house and you stay with the same agent.
When comparing insurance rates, we recommend you get quotes from independent agents to ensure the widest selection of prices.
Below are independent agents in Boston who can help you get free insurance quotes.
Spataro and Bellino Insurance Agency
156 Maverick St – East Boston, MA 02128 – (617) 567-6558 – View Map
Lighthouse Insurance Agency
470 W Broadway – Boston, MA 02127 – (617) 464-3777 – View Map
Boyd Insurance Agency
296 Bennington St – Boston, MA 02128 – (617) 567-5710 – View Map
Exclusive Agencies
Exclusive agencies can only quote rates from one company such as Allstate and State Farm. They usually cannot provide rate quotes from other companies so they are skilled at selling on more than just price. These agents are highly trained in insurance sales which helps overcome the inability to quote other rates.
Shown below is a list of exclusive agencies in Boston who can help you get rate quotes.
Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
Picking a insurance agency shouldn’t rely on just the price. The questions below may impact your decision as well.
- Are claims handled at the agent’s location?
- Do they reduce claim amounts on high mileage vehicles?
- Are they full-time agents?
- Does the company have a solid financial rating?
- Do they see any coverage gaps in your plan?
- Do you need full coverage on every vehicle?
Auto insurance in Massachusetts serves several purposes
Even though it can be expensive, paying for auto insurance is mandatory in Massachusetts but it also protects more than you think.
- Just about all states have mandatory insurance requirements which means state laws require a minimum amount of liability in order to drive the car. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Mercury has a lienholder, more than likely the lender will require you to have full coverage to guarantee payment of the loan. If you default on your policy, the bank may insure your Mercury for a much higher rate and force you to pay the higher price.
- Insurance protects not only your Mercury but also your assets. Insurance will also pay for medical expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also covers legal expenses if you cause an accident and are sued. If damage is caused by hail or an accident, your auto insurance policy will cover the repair costs.
The benefits of carrying adequate insurance definitely exceed the cost, especially with large liability claims. The average driver in Massachusetts overpays more than $865 each year so shop around once a year at a minimum to be sure current rates are still competitive.
Cheap insurance premiums are out there
We’ve covered some good ideas how to reduce Mercury Mountaineer insurance rates online in Boston. The most important thing to understand is the more providers you compare, the better likelihood of getting cheaper Boston auto insurance quotes. You may even find the lowest rates come from a company that doesn’t do a lot of advertising. These companies may often insure only within specific states and give better rates as compared to the big name companies such as State Farm and Allstate.
As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your objective should be to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.
More articles
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Who Has Cheap Auto Insurance Rates for Drivers with Bad Credit in Boston? (FAQ)
- Who Has the Cheapest Car Insurance Quotes with Multiple Speeding Tickets in Boston? (FAQ)
- Tools for Teen Driving Safety (State Farm)
- All About Airbag Safety (State Farm)
- Car Insurance FAQ (Trusted Choice)