Car Insurance Quotes for a Mercury Mountaineer in Honolulu

Insurance rates Mercury Mountaineer in HonoluluHow many times have you said it’s time to compare lower-priced insurance rates in Honolulu, HI? Honolulu consumers have many options when looking for low-cost Mercury Mountaineer insurance. You can either waste hours calling around to get rate comparisons or utilize the internet to get rate quotes.

There are both good and bad ways to compare insurance rates so you’re going to learn the proper way to quote coverages for a Mercury and obtain the cheapest rates either online or from Honolulu insurance agents.

If you’re already insured or just want cheaper rates, use these techniques to get lower rates and still get good coverage. The goal of this article is to tell you the best methods to compare rates and also save some money in the process Drivers just have to learn the most efficient way to quote multiple rates from multiple carriers.

Cheapest auto insurance in Honolulu, HI

The companies shown below have been selected to offer free rate quotes in Honolulu, HI. If the list has multiple companies, we suggest you compare several of them in order to get a fair rate comparison.

Detailed insurance information

The coverage information below showcases estimates of prices for Mercury Mountaineer models. Having a good grasp of how rate quotes are formulated can assist in making decisions when shopping your coverage around.

Mercury Mountaineer Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $142 $286 $300 $18 $90 $836 $70
Mountaineer AWD $162 $286 $300 $18 $90 $856 $71
Mountaineer Premier 2WD $162 $338 $300 $18 $90 $908 $76
Mountaineer Premier AWD $162 $338 $300 $18 $90 $908 $76
Get Your Own Custom Quote Go

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in specific location information which can increase or decrease auto insurance rates substantially.

Rate comparison for different deductibles

One frequently asked question is the level to set your comp and collision deductibles. The comparison tables below sum up the price difference between low and high deductibles. The first pricing table uses a $250 deductible and the second rate table uses a $1,000 deductible.

Mercury Mountaineer insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $204 $344 $264 $16 $80 $933 $78
Mountaineer AWD $230 $344 $264 $16 $80 $959 $80
Mountaineer Premier 2WD $230 $406 $264 $16 $80 $1,021 $85
Mountaineer Premier AWD $230 $406 $264 $16 $80 $1,021 $85
Get Your Own Custom Quote Go

Mercury Mountaineer insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $126 $216 $264 $16 $80 $702 $59
Mountaineer AWD $142 $216 $264 $16 $80 $718 $60
Mountaineer Premier 2WD $142 $256 $264 $16 $80 $758 $63
Mountaineer Premier AWD $142 $256 $264 $16 $80 $758 $63
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in specific zip code location which can decrease or increase rates considerably.

We can derive from the above data that using a $250 deductible costs approximately $21 more each month or $252 annually than opting for the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 36 months between claim filings, you would save money if you choose the higher deductible.

How much more does full coverage cost?

The diagram below compares Mercury Mountaineer insurance costs with full physical damage coverage compared to only buying liability only. Data assumes no claims or driving violations, $250 deductibles, marital status is single, and no discounts are applied to the premium.

Deciding between full coverage and liability only

There is no definitive guideline that works best for making the decision to drop physical damage insurance, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s say your Mercury Mountaineer replacement cost is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after paying your policy deductible. If you are currently paying more than $200 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are a few cases where dropping full coverage is not a good idea. If you haven’t paid off your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage in place.

Honolulu insurance discounts for a Mercury Mountaineer

Companies offering auto insurance don’t always publicize every available discount very well, so we took the time to find some of the more common and the harder-to-find credits available to bring down your rates.

Don’t be surprised that most discounts do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

The example below shows the comparison of Mercury Mountaineer insurance costs with and without discounts applied to the premium. Data assumes a female driver, no claims or violations, Hawaii state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, marriage, multi-policy, multi-car, and safe-driver discounts applied.

If you would like to choose from a list of providers who offer auto insurance discounts in Hawaii, follow this link.

Car insurance agents can help

Many people prefer to visit with an insurance agent. Agents are trained risk managers and help you file claims. A nice benefit of comparing rate quotes online is you can get the lowest rates and still have an agent to talk to. Buying from neighborhood insurance agencies is especially important in Honolulu.

Find insurance agent in HonoluluUpon completion of this quick form, your insurance data is submitted to insurance agents in Honolulu that can give you free Honolulu car insurance quotes and help you find cheaper coverage. There is no reason to find an agent since rate quotes are delivered to you. If you want to compare rates from a specific insurance provider, you would need to go to their quote page and give them your coverage information.

Exclusive and independent Honolulu car insurance agents

If you would like to find a reputable insurance agent or broker, you should know the types of agencies and how they differ in how they quote coverages. Insurance policy providers can be categorized as either independent agents or exclusive agents. Either one can insure your vehicles, but it’s good to learn the differences because it can impact the type of agent you choose.

Independent Agencies or Brokers

These type of agents are not restricted to one company so they have the ability to put coverage with an assortment of companies and find the cheapest insurance rates. If premiums increase, your agent can switch companies and you don’t have to switch agencies.

When searching for an agent, we recommend you include multiple independent agents to maximize your price options. Many can place coverage with small regional insurance companies who may have lower rates.

Below is a list of independent agents in Honolulu who can help you get price quotes.

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Exclusive Insurance Agents

These type of agents normally can only provide a single company’s rates like Allstate, State Farm and Farm Bureau. Exclusive agents cannot compare other company’s rates so they are skilled at selling on more than just price. These agents are trained well on sales techniques which helps them sell on service rather than price. Some consumers prefer to use the same agent primarily because of the brand legacy and the convenience of having all coverages with one company.

Shown below is a list of exclusive insurance agents in Honolulu who can help you get price quotes.

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Choosing a insurance agent requires you to look at more than just the premium amount. These are valid questions to ask:

In the end, you can save money

Drivers leave their current company for any number of reasons including high rates after DUI convictions, policy non-renewal, high prices or delays in paying claims. Regardless of your reason for switching companies, finding a great new company is less work than it seems.

Discount Mercury Mountaineer insurance in Honolulu is definitely available online in addition to many Honolulu insurance agents, so you need to shop Honolulu car insurance with both to get a complete price analysis. Some companies may not offer rate quotes online and these regional insurance providers sell through independent insurance agencies.

As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.

Steps to finding discount Mercury Mountaineer insurance in Honolulu

If your goal is the lowest price, then the best way to get cheaper auto insurance rates is to compare quotes once a year from insurers that insure vehicles in Honolulu. Drivers can shop around by following these steps.

A good tip to remember is that you’ll want to compare identical limits and deductibles on each quote and and to get rates from as many companies as you can. Doing this enables an accurate price comparison and plenty of rates choose from.

Even more information is available at these sites: