Cheap Mercury Mountaineer Car Insurance in 2024 (Save Money With These 10 Companies)
The top picks for the cheap Mercury Mountaineer car insurance are Progressive, State Farm and Allstate, with rates starting at $65/month. These companies provide exceptional roadside assistance, benefit from a broad agency network, making them top picks for insuring your Mercury Mountaineer.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Aug 19, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Aug 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsCompany Facts
Min. Coverage for Mercury
A.M. Best Rating
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13,128 reviews
17,759 reviewsCompany Facts
Min. Coverage for Mercury
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
11,413 reviewsCompany Facts
Min. Coverage for Mercury
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
The top pick for cheap Mercury Mountaineer car insurance is Progressive, known for its competitive rates and excellent coverage options. Alongside Progressive, State Farm and Allstate also offer some of the best rates, starting as low as $65 per month. To gain further insights, consult our comprehensive guide titled “Types of Car Insurance Coverage.”
These companies excel in providing affordable premiums and comprehensive coverage for your Mercury Mountaineer, ensuring you get a blend of cost-efficiency and thorough protection.
Our Top 10 Company Picks: Cheap Mercury Mountaineer Car Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $65 | A+ | Roadside Assistance | Progressive |
 | #2 | $68 | B | Agency Network | State Farm |
 | #3 | $70 | A+ | Drivewise Program | Allstate |
 | #4 | $72 | A | 24/7 Support | Liberty Mutual |
 | #5 | $75 | A | Insurance Discounts | Farmers |
 | #6 | $78 | A+ | Widespread Availability | Nationwide |
 | #7 | $80 | A++ | Discount Options | Travelers |
 | #8 | $83 | A | Young Volunteers | American Family |
 | #9 | $85 | A+ | Dividend Payments | Amica |
 | #10 | $88 | A+ | Organization Discount | The Hartford |
With a range of policy options that include comprehensive and collision coverage, as well as additional perks like roadside assistance and accident forgiveness, they ensure that you not only save money but also receive top-tier protection.
Protect your vehicle from whatever the road throws at it by entering your ZIP code into our free comparison tool above to see affordable car insurance quotes.
- Progressive offers Mercury Mountaineer car insurance from $65/month
- Affordable coverage options for Mercury Mountaineer owners
- Compare top insurers like Progressive for the best value and coverage
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#1 – Progressive: Top Overall Pick
Pros
- Competitive Rates: Progressive insurance review & ratings highlight that Progressive provides some of the most competitive rates for Mercury Mountaineer insurance, beginning at just $65 per month, making it a cost-effective option.
- Comprehensive Coverage Options: Progressive offers a wide range of coverage options, including comprehensive and collision, ensuring your Mercury Mountaineer is well-protected.
- Accident Forgiveness: Progressive’s accident forgiveness policy helps prevent rate increases after your first accident, a valuable feature for Mercury Mountaineer drivers.
Cons
- Higher Rates for High-Risk Drivers: Progressive may charge higher premiums for drivers with a poor driving history, which could be a drawback for some Mercury Mountaineer owners.
- Limited Local Agents: Mercury Mountaineer owners should note that Progressive’s emphasis on online services results in fewer local agents, which may not be ideal for those who prefer face-to-face assistance.
#2 – State Farm: Best for Agency Network
Pros
- Reliable Coverage: State Farm insurance review & ratings highlights its reputation for dependable and thorough coverage choices that are well-suited for Mercury Mountaineer owners.
- Strong Agency Network: State Farm’s extensive network of local agents provides personalized service and support, beneficial for Mercury Mountaineer owners who prefer face-to-face interactions.
- Reliable Coverage Options: State Farm provides robust coverage options, including comprehensive and collision, which are essential for full protection of your Mercury Mountaineer.
Cons
- Higher Initial Rates: Initial premiums might be higher compared to some competitors, making it less attractive for budget-conscious Mercury Mountaineer owners.
- Fewer Usage-Based Discounts: Mercury Mountaineer owners might find that State Farm’s discounts for usage-based insurance are less comprehensive than those offered by other insurers, potentially limiting savings for low-mileage drivers.
#3 – Allstate: Best for Drivewise Program
Pros
- Comprehensive Coverage Options: Allstate offers extensive coverage options, including features like accident forgiveness and new car replacement, suitable for Mercury Mountaineer owners.
- Drivewise Program: Allstate insurance review & ratings suggest that safe driving can earn discounts, which might reduce insurance costs for cautious Mercury Mountaineer drivers.
- New Car Replacement: If your new Mountaineer is totaled within the first few years, Allstate will replace it with a new car of the same make and model.
Cons
- Higher Premiums for Younger Drivers: Young drivers with a Mercury Mountaineer may face higher premiums despite Allstate’s discounts and programs.
- Limited Availability of Local Agents: In certain regions, Mercury Mountaineer owners may find it difficult to locate a nearby Allstate agent, potentially impacting the level of personalized service.
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#4 – Liberty Mutual: Best for 24/7 Support
Pros
- Accident Forgiveness: Liberty Mutual insurance review & ratings highlights that their accident forgiveness policy guarantees your premium won’t rise after your first accident, making it ideal for Mountaineer drivers who love adventurous journeys.
- 24/7 Roadside Assistance: With extensive roadside assistance, Mountaineer owners can feel secure knowing help is available anytime, anywhere.
- Lifetime Repair Guarantee: Liberty Mutual offers a lifetime guarantee on repairs made at their approved facilities, ensuring your Mountaineer is well taken care of after an accident.
Cons
- Premium Increases After Claims: Unlike Allstate’s accident forgiveness, Liberty Mutual may raise your premiums after an accident, increasing costs for Mountaineer owners.
- Mixed Customer Reviews: Some customers report inconsistencies in customer service quality, which could be a concern for Mountaineer owners needing reliable support.
#5 – Farmers: Best for Insurance Discounts
Pros
- Extensive Discount Options: Farmers offers numerous discounts, such as multi-policy, good student, and safe driver discounts, which can significantly reduce your Mercury Mountaineer insurance premiums.
- Local Agents: Farmers insurance review & ratings highlight that the company has an extensive network of local agents, providing tailored service and local expertise that can be advantageous for Mountaineer owners.
- Customized Coverage Plans: Provides tailored insurance plans to fit the specific needs of Mercury Mountaineer owners, ensuring comprehensive protection without paying for unnecessary coverage.
Cons
- Restricted Availability: Some discounts and coverage options may not be available in all states, limiting the benefits for some Mercury Mountaineer owners.
- Claim Processing Times: Some customers have reported slower claim processing times, which could be a concern for Mountaineer owners needing quick resolutions.
#6 – Nationwide: Best for Widespread Availability
Pros
- SmartRide Program: This usage-based insurance program offers discounts for safe driving, potentially lowering insurance costs significantly for Mercury Mountaineer drivers who exhibit safe driving behaviors.
- Extensive Coverage Options: Nationwide provides a wide array of coverage options, including rental car reimbursement and roadside assistance, tailored to Mountaineer owners.
- Strong Customer Service: Nationwide insurance review & ratings highlight the company’s reputation for excellent customer service, ensuring that Mountaineer owners receive assistance whenever necessary.
Cons
- Fewer Discounts: Compared to some other insurers, Nationwide may offer fewer discounts, potentially reducing savings opportunities for Mountaineer owners.
- Coverage Limitations: In some states, Nationwide’s coverage options might be limited, affecting the comprehensiveness of policies for Mountaineer owners.
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#7 – Travelers: Best for Discount Options
Pros
- Wide Coverage Options: Travelers insurance review & ratings include a range of coverage choices for your Mercury Mountaineer, such as comprehensive, collision, and liability insurance.
- Discount Options: Travelers offers various discounts such as multi-policy, safe driver, and good student discounts, which can help reduce the cost of insuring your Mercury Mountaineer.
- Gap Insurance: Travelers offers gap insurance, which covers the difference between what you owe on your Mercury Mountaineer and its actual cash value if it’s totaled or stolen.
Cons
- Higher Premiums for High-Risk Drivers: Travelers tends to charge higher rates for drivers with poor records or high-risk profiles, which can be a disadvantage for some Mercury Mountaineer owners.
- Mixed Customer Service Reviews: While Travelers generally provides good service, Mercury Mountaineer owners have reported that customer experiences can vary, with some noting less satisfactory interactions.
#8 – American Family: Best for Young Volunteers
Pros
- Competitive Rates: American Family offers affordable premiums specifically tailored for Mercury Mountaineer drivers, making it a cost-effective choice.
- Generous Discounts: American Family insurance review & ratings highlight that they offer various discounts for safe driving, bundling policies, and installing safety features on your Mercury Mountaineer.
- Personalized Customer Service: Known for excellent customer service, American Family offers personalized assistance, ensuring that Mercury Mountaineer drivers get the coverage they need.
Cons
- Fewer Online Tools: Mercury Mountaineer owners should note that although they offer a mobile app, their online tools and resources are less comprehensive compared to some competitors, which could make policy management less convenient.
- Higher Rates for Urban Areas: Rates can be higher for those living in urban areas with a Mercury Mountaineer.
#9 – Amica: Best for Dividend Payments
Pros
- High Customer Satisfaction: Known for top-tier customer service, Amica consistently receives high ratings, ensuring a positive experience for Mountaineer owners.
- Robust Roadside Assistance: Amica offers excellent roadside assistance, ensuring Mercury Mountaineer drivers are well-supported in case of emergencies.
- Excellent Claims Service: Known for efficient and fair claims handling, ensuring Mercury Mountaineer owners receive quick and accurate settlements. For a comprehensive analysis, refer to our detailed guide titled “Your Insurance Agent’s Role in the Claims Process.”
Cons
- Higher Premiums: Generally higher premiums, especially for comprehensive and collision coverage on larger vehicles like the Mercury Mountaineer.
- Limited Availability of Discounts: Amica’s discount options might not be as extensive as some competitors, potentially limiting savings for some Mercury Mountaineer owners.
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#10 – The Hartford: Best for Organization Discount
Pros
- Organization Discount: The Hartford offers significant discounts for members of various organizations, making it an appealing choice for those affiliated with professional or alumni groups looking to save on their Mercury Mountaineer insurance.
- High Customer Satisfaction: The Hartford insurance review & ratings highlights strong customer service and high satisfaction, contributing to a positive experience for Mercury Mountaineer owners.
- Broad Coverage Options: Provides extensive coverage options beyond basic liability, including comprehensive and collision coverage, ensuring your Mercury Mountaineer is well-protected against various risks.
Cons
- Higher Premiums for Full Coverage: While The Hartford offers a wide range of coverage options, choosing comprehensive and collision coverage can lead to higher premiums for Mercury Mountaineer owners compared to basic liability insurance.
- Limited Local Agents: Depending on your location, access to local agents of The Hartford may be limited, which can affect personalized service and ease of communication for Mercury Mountaineer owners.
Factors That Affect the Cost of Mercury Mountaineer Car Insurance
Insurance companies consider several key factors when determining the cost of insuring a Mercury Mountaineer, including the driver’s age and driving history, the chosen coverage options, and the location where the vehicle is kept. Younger drivers and those with a history of accidents or traffic violations typically face higher premiums. For additional details, explore our comprehensive resource titled “What age do you get cheap car insurance?”
Jeff Root Licensed Life Insurance Agent
Comprehensive coverage, which includes protection against theft, vandalism, and non-accident damage, is usually more expensive than liability coverage alone, with the level of coverage and deductible also impacting the premium. Additionally, residing in areas with high crime rates or a higher likelihood of accidents can lead to higher insurance costs.
Mercury Mountaineer Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $70 $130
American Family $83 $155
Amica $85 $160
Farmers $75 $140
Liberty Mutual $72 $135
Nationwide $78 $145
Progressive $65 $120
State Farm $68 $125
The Hartford $88 $165
Travelers $80 $150
This chart presents the monthly insurance rates for a Mercury Mountaineer, comparing minimum and full coverage plans from various providers. Rates for minimum coverage range from $65 with Progressive to $88 with The Hartford. For full coverage, the rates vary from $120 with Progressive to $165 with The Hartford. Each provider offers different levels of protection and pricing to suit various needs and budgets.
Understanding the Insurance Premiums for Mercury Mountaineer
When it comes to understanding car insurance premiums for your Mercury Mountaineer, it’s crucial to know how insurance companies calculate these costs. Premiums are typically determined based on a combination of factors, including your driving record, claims history, the make and model of your vehicle, and your location.
Insurance providers also consider the level of coverage you choose. Comprehensive, collision, and liability coverage all contribute to the overall cost of your premiums. Additionally, the deductible you select will affect your premium. A higher deductible generally results in lower premiums, but it also means you’ll have to pay more out of pocket in the event of a claim.
Maximize your savings on car insurance for your Mercury Mountaineer with exclusive discounts from top insurance providers. Whether you’re a safe driver, a multi-policy holder, or have a new car, each provider offers unique savings opportunities tailored to your needs.
Explore a variety of car insurance discounts offered by top providers for Mercury Mountaineer owners, ensuring you find the best savings tailored to your needs and driving habits.
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Essential Guide to Insuring Your Mercury Mountaineer
When insuring your Mercury Mountaineer, compare quotes from different providers to find the best rates, as premiums vary by company. Evaluate coverage options, deductibles, and available discounts, and consider customer reviews and financial stability. To save on costs, increase your deductible, maintain a clean driving record, and utilize discounts. To learn more, explore our comprehensive resource on insurance titled “Best Car Insurance Discounts.”
Factors like the vehicle’s age and safety features can also affect rates. Ensure you don’t settle for the first quote and keep your policy updated. Opt for comprehensive and liability coverage to protect against various risks, and consider additional strategies like installing security devices, bundling policies, driving less, and maintaining a good credit score.
Tips to Save Money on Collision Coverage for Your Mercury Mountaineer
Collision coverage is crucial for protecting your vehicle in case of an accident, but it can also be a significant expense. If you’re looking to keep your insurance costs down without compromising your coverage, you’ve come to the right place. In this guide, we’ll share some practical tips to help you save money while still ensuring your Mercury Mountaineer is well-protected.
- Increase Your Deductible: Opt for a higher deductible. This will lower your premium, but make sure you have enough savings set aside to cover the deductible in case of an accident.
- Compare Insurance Quotes: Shop around and obtain quotes from multiple insurance companies. Rates can vary significantly, so comparing options can help you find the best deal.
- Evaluate Your Car’s Value: Consider the current market value of your Mercury Mountaineer. If it’s an older vehicle or has depreciated significantly, you might reconsider the need for collision coverage altogether or adjust your coverage limits accordingly.
- Bundle Your Insurance Policies: Bundle your auto insurance with other policies such as homeowners or renters insurance from the same provider. Many insurers offer discounts for bundling, which can result in significant savings.
- Maintain a Clean Driving Record: Avoid accidents and traffic violations to maintain a clean driving record. Insurance companies often reward safe drivers with lower premiums and better rates.
By implementing these money-saving tips, you can enjoy both peace of mind and financial relief when it comes to your Mercury Mountaineer’s collision coverage. From adjusting your deductible to exploring bundling options, these strategies can help you find the right balance between cost and protection.
Kristen Gryglik Licensed Insurance Agent
Remember, it’s all about making informed choices to get the best value for your insurance dollar. Safe driving and smart insurance decisions go hand in hand, so take these steps today and drive with confidence.
Comprehensive Insurance Insights for Your Mercury Mountaineer
Full coverage insurance for your Mercury Mountaineer, though costly, offers significant benefits including protection against theft, vandalism, and accidents, with financial relief for repairs regardless of fault. Insurance costs are influenced by age and driving history, with younger drivers and those with poor records facing higher premiums. To delve deeper, refer to our in-depth report titled “Teenager Car Insurance Discounts.”
Experience and a clean driving record can lower rates, while advanced safety features on the Mountaineer may also reduce premiums. To maximize discounts, maintain a clean record, bundle policies, and install anti-theft devices. For off-road enthusiasts, specialized insurance can cover off-road activities and accessories. Understanding these factors can help you find affordable, effective coverage for your Mountaineer.
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Case Studies: Affordable and Comprehensive Coverage for Mercury Mountaineers
This case study collection explores real-world scenarios faced by different individuals and families seeking affordable and robust insurance solutions for their Mercury Mountaineers. By examining their unique needs and experiences, we aim to provide valuable insights into how targeted insurance strategies can lead to significant savings and enhanced peace of mind.
- Case Study #1 – Maximizing Savings With Progressive: The Smith family needed affordable, comprehensive insurance for their Mercury Mountaineer. They found Progressive’s $120/month plan, saving $50 with multi-car and good driver discounts. For a thorough understanding, refer to our detailed analysis titled “Best Safe Driver Car Insurance Discounts.”
- Case Study #2 – State Farm’s Tailored Coverage for a Single Professional: Julia, a 29-year-old marketing pro, saved on insurance for her used Mercury Mountaineer by using an online tool to find State Farm’s $75/month rate, opting for a higher deductible and bundling with renter’s insurance. She enjoyed reduced costs and an easy-to-use app.
- Case Study #3 – Allstate’s Comprehensive Plan for an Active Retiree: George, a 62-year-old retiree, chose Allstate for $130/month, securing comprehensive insurance with off-road coverage and discounts for seniors and safe drivers, ensuring peace of mind in retirement.
These case studies highlight how diverse drivers can successfully navigate the insurance landscape to find the best coverage for their Mercury Mountaineers. From maximizing discounts and adjusting deductibles to choosing policies tailored to specific needs, each story underscores the importance of comparing quotes and selecting insurance that aligns with individual circumstances.
Justin Wright Licensed Insurance Agent
By understanding these real-world examples, you can better appreciate how to approach your own insurance search, ensuring that you secure both cost-effective and comprehensive protection for your vehicle.
Summary: Affordable Mercury Mountaineer Car Insurance
To secure affordable car insurance for your Mercury Mountaineer, consider top providers like Progressive, State Farm, and Allstate, with rates starting at $65/month. Key factors influencing insurance costs include your age, driving history, coverage options, and location.
To save money, increase deductibles, maintain a clean driving record, and utilize discounts. Compare multiple quotes to find the best rates and ensure comprehensive coverage. Use online comparison tools and evaluate providers’ customer reviews and financial stability for the best results.
Avoid overpaying for your car insurance by entering your ZIP code below in our free comparison tool to find which company has the lowest rates.
Frequently Asked Questions
What type of car insurance is cheapest for a Mercury Mountaineer?
The cheapest type of car insurance for a Mercury Mountaineer is typically liability insurance. This covers damages to other vehicles or property if you are at fault in an accident.
What is the lowest form of car insurance for a Mercury Mountaineer?
The lowest form of car insurance you can get for a Mercury Mountaineer is liability insurance. This is the minimum coverage required by law and covers only the damages you cause to others.
Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
What is the least amount of car insurance coverage required for a Mercury Mountaineer?
The least amount of coverage required for a Mercury Mountaineer is usually the state-mandated minimum liability insurance. This varies by state but generally includes bodily injury and property damage liability.
To expand your knowledge, refer to our comprehensive handbook titled “Liability Insurance: A Complete Guide.”
At what age is car insurance cheapest for a Mercury Mountaineer?
Car insurance is typically cheapest for drivers in their mid-30s to early 60s. These drivers are often considered lower risk by insurance companies.
Which type of car insurance is best for a Mercury Mountaineer?
The best type of car insurance for a Mercury Mountaineer often includes comprehensive and collision coverage in addition to liability insurance. This ensures protection against a wide range of potential damages and losses.
What is the most basic car insurance for a Mercury Mountaineer?
The most basic car insurance for a Mercury Mountaineer is liability insurance. This covers only the costs associated with damages to other vehicles and property in an accident you cause.
To gain profound insights, consult our extensive guide titled “Commercial Insurance: A Complete Guide.”
What is the cheapest category for car insurance for a Mercury Mountaineer?
The cheapest category for car insurance for a Mercury Mountaineer is typically liability insurance, which meets the minimum legal requirements for coverage.
What is the most reasonable car insurance for a Mercury Mountaineer?
The most reasonable car insurance for a Mercury Mountaineer balances affordability with sufficient coverage. Often, this includes a combination of liability, comprehensive, and collision coverage at a competitive rate.
What type of insurance is most important for a Mercury Mountaineer?
The most important type of insurance for a Mercury Mountaineer is comprehensive coverage. This protects against a broad range of risks, including theft, vandalism, and natural disasters, in addition to accidents.
For a comprehensive overview, explore our detailed resource titled “Anti Theft System Car Insurance Discount.”
At what age is car insurance most expensive for a Mercury Mountaineer?
Car insurance is most expensive for drivers under the age of 25. Young drivers are considered high risk by insurance companies, leading to higher premiums.
Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
