Finding the lowest cost Milwaukee Mercury Mountaineer insurance quotes might seem somewhat difficult for consumers that are relatively new to buying their auto insurance on the web. With dozens of online companies, how can consumers have time to compare the different rates to find cheaper auto insurance prices?
It’s hard to believe, but about 70% of customers kept their coverage with the same auto insurance company for at least the last four years, and about 40% of consumers have never quoted auto insurance rates at all. Milwaukee consumers could cut their rates by almost $400 a year just by getting comparison quotes, but they don’t know the benefits if they switched to a more affordable policy.
Many insurance companies like 21st Century, Allstate and State Farm allow consumers to get prices for coverage from their websites. Getting quotes for Mercury Mountaineer insurance in Milwaukee is very simple as you just type in your required coverages as detailed in the form. Once entered, their rating system requests information on your driving record and credit history and generates a price.
The ability to get online rate quotes for Mercury Mountaineer insurance in Milwaukee helps simplify price comparisons, and it’s necessary to get many rate quotes if you are searching for the cheapest insurance rates.
To find out how much you’re overpaying now, compare rates now from the companies shown below. If you have coverage now, it’s recommended you enter the insurance coverages as shown on your current policy. Doing this guarantees you’re receiving a rate comparison based on identical coverages.
The companies in the list below can provide free rate quotes in Wisconsin. If multiple providers are shown, it’s highly recommended you compare several of them in order to find the cheapest rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mountaineer 2WD | $162 | $276 | $236 | $14 | $70 | $758 | $63 |
| Mountaineer AWD | $192 | $350 | $242 | $14 | $72 | $870 | $73 |
| Mountaineer Premier 2WD | $140 | $278 | $260 | $16 | $78 | $772 | $64 |
| Mountaineer Premier AWD | $182 | $324 | $236 | $14 | $70 | $826 | $69 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in specific location information which can change rates greatly.
Premiums by gender and age
The illustration below shows the difference between Mercury Mountaineer car insurance rates for male and female drivers. The price estimates are based on no accidents or driving violations, full physical damage coverage, $500 deductibles, drivers are not married, and no policy discounts are applied.
Affordable Milwaukee car insurance rates with discounts
Car insurance is neither fun to buy or cheap, but there may be some discounts that may help make it more affordable. Many of these discounts will be applied automatically when you quote, but occasionally some discounts must be specially asked for before they will apply.
- E-sign – Some car insurance companies provide a small discount just for signing your application on the web.
- No Claim Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on Milwaukee car insurance quote when compared with drivers with a long claim history.
- Good Student Discount – Excelling in school can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
- Driving Data Discount – Milwaukee drivers who agree to allow driving data submission to scrutinize where and when they drive by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates as long as the data is positive.
- Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy life insurance.
- Multi-policy Discount – When you combine your home and auto insurance with the same company they may give you a discount of at least 10% off all policies.
Keep in mind that many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, you won’t be that lucky.
For a list of providers that offer some of these discounts in Wisconsin, click this link.
Why you need insurance for your Mercury vehicle
Despite the fact that auto insurance is not cheap in Milwaukee, insuring your vehicle is required by state law in Wisconsin and it also provides benefits you may not be aware of.
- Just about all states have compulsory liability insurance requirements which means you are required to carry specific limits of liability insurance coverage in order to get the vehicle licensed. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your vehicle with a loan, most lenders will have a requirement that you have physical damage coverage to guarantee loan repayment. If you let the policy lapse, the bank or lender will purchase a policy for your Mercury at a significantly higher premium and make you pay for it.
- Auto insurance preserves not only your Mercury Mountaineer but also your financial assets. It will also reimburse you for many types of medical costs for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of insuring your car definitely exceed the price paid, especially if you ever need it. In a recent study of 1,000 drivers, the average customer overpays more than $810 a year so smart consumers compare quotes every year to help ensure money is not being wasted.
Do I just need basic coverages?
Always keep in mind that when comparing adequate coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that.
For example, these questions could help you determine if your situation could use an agent’s help.
- Can my teen driver be rated on a liability-only vehicle?
- What if I total my Mercury Mountaineer and owe more than it’s worth?
- Am I covered if I wreck a rental car?
- Am I covered when using my vehicle for business?
- Where can I find high-risk insurance?
- What is medical payments coverage?
- Are split liability limits better than a combined single limit?
- Should I bundle my homeowners policy with my auto?
If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area.
When to get advice from an agent
A lot of people would prefer to get professional advice from a licensed agent. The biggest benefit of comparing rate quotes online is that drivers can save money and get better rates and still choose a local agent. Buying insurance from small agencies is definitely important in Milwaukee.
For easy comparison, once you complete this quick form, your information is sent to agents in your area who can give free rate quotes for your coverage. You don’t have to visit any agencies as quotes are delivered directly to your email. You’ll get the best rates and a licensed agent to talk to. In the event you want to get a rate quote from a specific auto insurance provider, don’t hesitate to visit that company’s website and submit a quote form there.
If you are searching for a reliable insurance agency, you should know the different types of agencies that you can select. Milwaukee agents are either exclusive or independent.
Independent Auto Insurance Agents (or Brokers)
Agents that choose to be independent often have many company appointments so as a result can place your coverage amongst many companies depending on which coverage is best. If they find a cheaper price, your policy is moved internally and you don’t have to do anything. If you are comparing auto insurance prices, we recommend you get rate quotes from multiple independent agents in order to compare the most rates. A lot of them also have access to mutual insurance companies who may have lower rates.
The following are independent agencies in Milwaukee who can help you get price quote information.
- Brew City Insurance
2937 S Chicago Ave – South Milwaukee, WI 53172 – (414) 762-6600 – View Map - See Insurance Agency LLC
7817 W Brown Deer Rd – Milwaukee, WI 53223 – (414) 355-5433 – View Map - Unisource Insurance Associates, LLC
10425 W North Ave #226 – Milwaukee, WI 53226 – (414) 774-7040 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive can only write with one company such as State Farm, Allstate and AAA. Exclusive agents cannot provide other company’s prices so you might not find the best rates. They are well trained on the products they sell and that enables them to sell even at higher rates. Some people will only buy from the same agent for years mostly because of loyalty to the company rather than low price.
Below is a short list of exclusive insurance agents in Milwaukee that are able to give price quote information.
- State Farm: Bob Vitt
161 W Wisconsin Ave #5196 – Milwaukee, WI 53203 – (414) 276-3446 – View Map - Farmers Insurance – Walt Buckhanan
5406 N Lovers Lane Rd – Milwaukee, WI 53225 – (414) 269-8945 – View Map - American Family Insurance – Gregory Felzer
790 N Milwaukee St #110 – Milwaukee, WI 53202 – (414) 224-9000 – View Map
Choosing an auto insurance agent is decision based upon more than just a cheap quote. A good agent in Milwaukee will have answers to these questions.
- Which members of your family are coverage by the policy?
- How many years have they been established?
- What is the financial rating for the quoted company?
- Is the agency active in community causes in Milwaukee?
- How long have they worked with personal auto insurance coverage?
- Does the company allow you to choose your own collision repair facility?
- Are claims handled at the agent’s location?
- Are they paid to recommend certain coverages?