Car Insurance Rate Quotes for a Mercury Mountaineer in Tulsa

How many times have you told yourself it’s time to shop around for more affordable Mercury Mountaineer insurance in Tulsa? Finding the cheapest insurance for a Mercury Mountaineer in Oklahoma can be a lot of work, but you can use these tips and make it easy.

There is a better way to compare auto insurance rates and we’ll show you the proper way to price shop coverage for a Mercury and obtain the cheapest rates from Tulsa insurance agents and online providers.

Cheap Mercury insurance rate quotes in Tulsa

The companies shown below offer price quotes in Tulsa, OK. To find cheap car insurance in Tulsa, we suggest you visit two to three different companies in order to find the most affordable rates.

Statistics and details

The coverage table displayed next highlights detailed analysis of prices for Mercury Mountaineer models. Having a good understanding how insurance prices are formulated can be of help when making decisions on the best policy to buy.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate information does not factor in your specific Tulsa location which can increase or decrease premium rates greatly.

Policy deductibles

The hardest decision when buying coverage is how high should your deductibles be. The data tables below summarize the differences in premium rates of buying low and high insurance deductibles. The first pricing table uses a $100 physical damage deductible and the second price grid uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific location which can impact rates considerably.

Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $48 more each month or $576 each year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 19 months between claim filings, you would save money if you opt for a higher deductible.

You may qualify for discounts for Mercury Mountaineer insurance in Tulsa

Companies don’t list the entire discount list in a way that’s easy to find, so we researched a few of the more common as well as some of the hidden credits that may apply to you.

• Accident Waiver – Not really a discount, but a handful of insurance companies may permit one accident without raising rates if your claims history is clear before the accident.
• Homeowners Savings – Just owning your own home can save a few bucks because owning a home requires personal responsibility.
• Active Service Discounts – Having a family member in the military can result in better premium rates.
• Discount for Low Mileage – Low mileage vehicles can qualify you for discounted prices on garaged vehicles.
• Drive Safe and Save – Accident-free drivers can get discounts for up to 45% lower rates compared to accident prone drivers.
• Senior Citizen Rates – Mature drivers may qualify for a slight reduction on a Tulsa auto insurance quote.
• Sign Online – Many auto insurance companies may give you up to $50 for signing up on your computer.
• Clubs and Organizations – Affiliation with certain professional organizations could qualify you for a break on auto insurance.
• Pay Early and Save – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.

As is typical with insurance, most credits do not apply to your bottom line cost. A few only apply to individual premiums such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, nobody gets a free ride.

The information below illustrates the difference between Mercury Mountaineer insurance premiums with and without discounts applied to the rates. Data assumes a female driver, no accidents, no driving violations, Oklahoma 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, multi-policy, marriage, multi-car, and safe-driver discounts applied.

Insurance companies that have these benefits include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

When getting a coverage quote, ask all the companies which discounts they offer. All car insurance discounts might not be offered on policies in every state. To locate insurance companies that have a full spectrum of discounts in Oklahoma, click this link.

Learn How to Lower Your Insurance Rates

Many factors are part of the calculation when you get a price on insurance. Some are pretty understandable such as traffic violations, but other criteria are less obvious such as your credit history or your financial responsibility. Smart consumers have a good feel for some of the things that come into play when calculating insurance rates. When you understand what controls the rates you pay, this empowers consumers to make smart changes that will entitle you to big savings.

The following are a few of the things used by insurance companies to determine rates.

How’s your driving record? – Having just one citation can boost insurance rates by as much as thirty percent. Drivers who don’t get tickets get better prices as compared to those with violations. Drivers with dangerous violations like reckless driving or DUI are required to prove financial responsibility with their state DMV in order to continue driving.

The chart below illustrates how traffic citations and fender-benders can affect Mercury Mountaineer car insurance costs for each different age group. The costs are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

Are you male or female? – Statistics demonstrate that women are safer drivers than men. However, don’t assume that females are better drivers. Men and women tend to get into accidents in similar numbers, but the men have costlier accidents. Men also tend to get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.

The chart below shows the comparison of Mercury Mountaineer annual premium costs for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are single, and no discounts are factored in.

No policy lapses saves money – Having an insurance coverage lapse is a quick way to drive up your policy premiums. In addition to paying higher premiums, getting caught without coverage can result in fines or a revoked license. You may need to file a SR-22 with the Oklahoma motor vehicle department to get your license reinstated.

Rural vs Urban Areas – Residing in small towns and rural areas can be a good thing when trying to find low car insurance rates. Lower population translates into fewer accident claims in addition to lower liability claims. City drivers tend to have congested traffic and more severe claims. Higher commute times can result in more accidents.

Drive less and save – The more miles you rack up on your Mercury each year the higher the price you pay to insure it. Most companies rate vehicles based upon how the vehicle is primarily used. Autos not used for work or commuting receive lower rates than those that get driven frequently. An improperly rated Mountaineer may be costing you higher rates. Double check that your declarations sheet states the correct usage for each vehicle, because it can save money.

Compare rates if you combine your policies – Some insurers provide better rates to buyers who buy several policies from them in the form of a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it’s still a good idea to get quotes from other companies to guarantee you are still saving the most.

When to contact an insurance agency

Many people just prefer to get professional advice from a licensed agent and there is nothing wrong with that. Good agents can make sure you are properly covered and help you file claims. One of the great benefits of getting online price quotes is you can get better rates and still choose a local agent. Buying from and supporting local agencies is important especially in Tulsa.

By using this form (opens in new window), your information is instantly submitted to participating agents in Tulsa who will give competitive quotes for your auto insurance coverage. You won’t need to leave your computer since price quotes are sent immediately to your email address. If you need to get a price quote from a specific auto insurance provider, don’t hesitate to search and find their rate quote page and give them your coverage information.

Compare rates from both independent and exclusive car insurance agents

When finding a local agent, there are two different types of agents and how they function. Agencies in Tulsa can be classified as either independent agents or exclusive agents. Both types can properly insure your vehicles, but it is important to understand the differences because it can impact which type of agent you select.

Independent Agents (or Brokers)

Agents that elect to be independent do not sell for just one brand so they can write business through many different auto insurance companies and get you the best rates possible. To transfer your coverage to a different company, they can switch companies in-house without you having to go to a different agency. When comparing rate quotes, you should always include at a minimum one independent agency in order to have the best price comparison. Most also have access to small mutual carriers which can save you money.

Featured below is a short list of independent insurance agents in Tulsa that may be able to give price quote information.

• Rooney Insurance Agency, Inc.
  4700 S Garnett Rd #200 – Tulsa, OK 74146 – (918) 582-0565 – View Map
• Charles G. Harris Insurance
  4724 S Union Ave – Tulsa, OK 74107 – (918) 446-4421 – View Map
• Glass Insurance Agency, Inc
  4500 S Garnett Rd #914 – Tulsa, OK 74146 – (918) 663-5314 – View Map

View more agents

Exclusive Agencies

Agents that elect to be exclusive work for only one company like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents are unable to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive agents are usually well trained on sales techniques and that can be a competitive advantage. Some insured continue to choose to use an exclusive agent primarily because of the brand legacy rather than low rates.

The following is a list of exclusive agencies in Tulsa who can help you get price quote information.

• Mark Fugett – State Farm Insurance Agent
  4949 S Mingo Rd – Tulsa, OK 74146 – (918) 628-1900 – View Map
• Allstate Insurance: Todd Williams
  3315 S Yale Ave Ste 200 – Tulsa, OK 74135 – (918) 742-2784 – View Map
• Farmers Insurance: Teresa Sotelo
  3309 S Yale Ave – Tulsa, OK 74135 – (918) 627-3855 – View Map

View more agents

Finding a good insurance agency requires more thought than just the premium amount. Any good agent in Tulsa should know the answers to these questions.

• Will you get a loaner vehicle if you car is being repaired?
• What is the agency’s Better Business Bureau rating?
• Do they have any clout with companies to ensure a fair claim settlement?
• If your car is totaled, how to they determine the replacement cost?
• Are they involved in claim handling?
• If they are an independent agency in Tulsa, which companies do they recommend?
• How long have they been in business?

If you get acceptable answers to these questions in addition to an acceptable price estimate, you have narrowed it down to an auto insurance agent that is reputable and can provide auto insurance coverage. It’s important to know that you are able to terminate your policy for any reason so don’t feel that you are permanently stuck with a policy with no way out.

Cheap auto insurance rates are out there

When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. In many instances, consumers will sacrifice full coverage only to regret that the savings was not a smart move. The ultimate goal is to find the BEST coverage for the lowest price but still have enough coverage for asset protection.

Cost effective Mercury Mountaineer insurance is available on the web and with local Tulsa insurance agents, so get free Tulsa auto insurance quotes from both of them so you have a total pricing picture. Some insurance companies do not offer rates over the internet and usually these regional carriers sell through local independent agents.

Insureds switch companies for any number of reasons including policy cancellation, high prices, delays in paying claims and even high rates after DUI convictions. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.

Steps to buying discount Mercury Mountaineer insurance in Tulsa

It takes a few minutes, but the best way to quote cheaper Mercury Mountaineer insurance is to do a yearly price comparison from different companies who provide car insurance in Tulsa.

• Step 1: Learn about car insurance and the measures you can control to prevent high rates. Many things that result in higher prices like traffic citations and a less-than-favorable credit history can be rectified by making minor changes in your lifestyle.
• Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agencies can quote prices from multiple companies.
• Step 3: Compare the quotes to your current policy and determine if cheaper Mountaineer coverage is available in Tulsa. If you can save some money and switch companies, ensure there is no coverage lapse between policies.
• Step 4: Tell your current company to cancel your current car insurance policy and submit a completed policy application and payment to your new carrier. As soon as coverage is bound, place your new certificate verifying proof of insurance in a readily accessible location in your vehicle.

The key thing to remember is to try to use similar limits and deductibles on each price quote and and to get quotes from as many different companies as possible. This provides an apples-to-apples comparison and the best price selection.

Other information

• Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
• Who Has the Cheapest Car Insurance for High Risk Drivers in Tulsa? (FAQ)
• Auto Insurance FAQ (Farmers Insurance)
• Get the Right Protection (InsureUonline.org)