Cheapest Portland Mercury Mountaineer Insurance

A recent study revealed that the vast majority of Oregon car insurance customers kept buying from the same company for a minimum of four years, and just short of a majority have never compared rates to find cheap insurance. U.S. consumers can save hundreds of dollars each year by just comparing rate quotes, but they just feel it’s too hard to compare rates.

Insurance for Mercury MountaineerThe most effective way to save on Mercury Mountaineer insurance in Portland is to compare prices at least once a year from insurers in Oregon.

The key thing to know about shopping around is to try to compare identical coverages on every quote and to quote with as many carriers as you can. This helps ensure an apples-to-apples comparison and a complete selection of prices.

If you have coverage now or are looking for a new policy, you can follow these tips to get lower rates and still get good coverage. This information will let you in on the best methods to compare rates. Comparison shoppers only need an understanding of the tricks to compare rates from many different companies online.

Finding a better price on insurance isn’t really that difficult. All that’s required is to spend a few minutes comparing rate quotes to find the company with the cheapest Mercury Mountaineer rate quotes.

The companies shown below have been selected to offer price comparisons in Portland, OR. To find cheap auto insurance in Portland, we recommend you compare several of them to get a more complete price comparison.

Car insurance is an important decision

Despite the high cost, buying car insurance may be required for several reasons.

The benefits of insuring your Mountaineer definitely exceed the price paid, especially with large liability claims. On average, a vehicle owner in Portland overpays as much as $865 each year so you should quote rates each time the policy renews to ensure rates are competitive.

Coverage analysis

The premium information displayed next highlights estimates of insurance premium costs for Mercury Mountaineer models. Having a better idea how premiums are formulated can be of help when making smart buying decisions.

Mercury Mountaineer Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $200 $336 $320 $18 $96 $970 $81
Mountaineer AWD $226 $336 $320 $18 $96 $996 $83
Mountaineer Premier 2WD $226 $396 $320 $18 $96 $1,056 $88
Mountaineer Premier AWD $226 $396 $320 $18 $96 $1,056 $88
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in your specific Portland location which can alter coverage prices significantly.

An analysis of deductible level

A question often asked by Portland drivers is where to set your physical damage deductibles. The rates shown below determine the difference in cost between low and high physical damage deductibles. The first table uses a $250 deductible for physical damage and the second price chart uses a $500 deductible.

Mercury Mountaineer insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $246 $416 $320 $18 $96 $1,121 $93
Mountaineer AWD $278 $416 $320 $18 $96 $1,153 $96
Mountaineer Premier 2WD $278 $490 $320 $18 $96 $1,227 $102
Mountaineer Premier AWD $278 $490 $320 $18 $96 $1,227 $102
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Mercury Mountaineer insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $200 $336 $320 $18 $96 $970 $81
Mountaineer AWD $226 $336 $320 $18 $96 $996 $83
Mountaineer Premier 2WD $226 $396 $320 $18 $96 $1,056 $88
Mountaineer Premier AWD $226 $396 $320 $18 $96 $1,056 $88
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rates do not factor in specific Portland garaging location which can alter coverage prices substantially.

We can derive from the above data that using a $250 deductible could cost the average driver approximately $13 more each month or $156 for a full year across all Mercury Mountaineer models than buying the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 19 months between claim filings, you would probably come out ahead by going with a higher deductible. Below is how this decision is made.

Average monthly premium for $250 deductibles: $98
Average monthly premium for $500 deductibles (subtract): – $85
Monthly savings from raising deductible: $13
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One important issue to know is that a higher deductible level results in a higher out-of-pocket expense when you have to file a claim. You should have some savings in the bank in the event you have to pay the deductible.

Safe drivers pay less for auto insurance

The information below illustrates how traffic citations and accident claims can drive up Mercury Mountaineer insurance costs for different age groups of insureds. The rate quotes are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

Gender-based auto insurance rates by age

The diagram below illustrates the comparison of Mercury Mountaineer car insurance rates for male and female drivers. The data is based on no accidents or driving violations, full coverage, $1,000 deductibles, single marital status, and no discounts are applied.

Full coverage versus liability only rates

The information below compares Mercury Mountaineer insurance premiums with liability coverage only compared to full coverage. The rates are based on no violations or accidents, $100 deductibles, drivers are single, and no discounts are taken into consideration.

When to drop comp and collision

There is no definitive rule of when to eliminate comp and collision coverage, but there is a general guideline. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let’s say your Mercury Mountaineer claim settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $3,000 after the policy deductible has been paid. If you are paying more than $300 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

There are a few cases where buying only liability insurance is not advised. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Save with these rate reducing discounts

Auto insurance companies don’t always publicize every discount very well, so we took the time to find some of the best known and the more hidden credits available to bring down your rates.Discount insurance

Keep in mind that most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, you aren’t that lucky.

The information below compares Mercury Mountaineer insurance rates with and without discounts applied to the policy premium. The rates are based on a female driver, a clean driving record, no claims, Oregon state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, marriage, multi-car, and claim-free discounts applied.

A few of the larger companies and a selection of discounts include:

When getting a coverage quote, ask each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier may not be available in every state.

Tailor your auto insurance coverage to you

When it comes to choosing coverage online or from an agent for your vehicles, there really is not a “perfect” insurance plan. Your needs are unique to you and a cookie cutter policy won’t apply.Auto insurance savings
Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Portland car insurance companies ranked

Ending up with a high-quality insurance company can be a challenge considering how many choices there are in Portland. The company rank data shown below can help you select which coverage providers you want to consider when shopping your coverage around.

Top 10 Portland Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance