Affordable Mercury Milan Insurance in Columbus

Saving money on Mercury Milan insurance in Columbus is frustrating for drivers new to comparison shopping online. With such a large number of insurers to choose from, it can quickly become a difficult challenge to find the best coverage rates.

It’s safe to assume that insurance companies don’t want their policyholders to compare prices. Insureds who shop around for the cheapest rate will presumably switch to a new company because there is a high probability of finding lower rate quotes. A recent auto insurance study discovered that people who compared price quotes annually saved over $860 a year compared to people who never compared other company’s rates.

If finding the lowest price on Mercury Milan insurance is why you’re reading this, knowing how to get free comparison quotes and analyze cheaper coverage can make shopping around easier.

It’s smart to do price comparisons yearly because prices change frequently. Even if you think you had the best rates on Mercury Milan insurance in Columbus six months ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to one of the easiest ways to get good coverage on Mercury Milan insurance in Columbus at a lower rate.

This information will teach you the best way to buy inexpensive insurance and some tips to save money. If you already have coverage, you stand a good chance to be able to reduce premiums using these techniques. But Ohio vehicle owners benefit from understanding the methods companies use to calculate your policy premium because it can help you find the best coverage.

What Determines Mercury Milan Insurance Rates?

It’s important that you understand some of the elements that play a part in calculating your premiums. If you have a feel for what determines premiums, this empowers consumers to make smart changes that will entitle you to cheaper rates.

The factors shown below are some of the things companies use to determine your rate level.

• Are you male or female? – Statistics have proven that men are more aggressive behind the wheel. It does not mean women are BETTER drivers than men. Males and females are responsible for accidents in similar numbers, but guys tend to have more serious accidents. Not only that, but men also get more serious tickets such as DWI and reckless driving. Young men ages 16 to 20 generally have the highest accident percentage so it costs more to insure them.

  The information below illustrates the difference between Mercury Milan insurance rates for male and female drivers. The prices are based on no claims or driving violations, comprehensive and collision coverage, $250 deductibles, single status, and no policy discounts are applied.

• Always keep your coverage in place – Not having insurance is not a good idea and you will pay a penalty because you let your coverage cancel without a new policy in place. Not only will you pay higher rates, getting caught without coverage can result in fines and jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with the Ohio department of motor vehicles.
• High policy claims frequency drives up premiums – If you’re an insured who likes to file claims you can definitely plan on much higher rates or policy non-renewal. Insurance companies in Ohio generally give discounts to policyholders who do not file claims often. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.

• The type of car makes a difference – The make and model of the car you need to insure makes a significant difference in your car insurance bill. The best insurance prices tend to be for lower cost passenger vehicles, but that’s not the only thing that factors into the final price.

  The chart below is based on a single male driver age 30, full coverage with $100 deductibles, and no discounts or violations. The chart compares Mercury Milan insurance rates compared to other vehicles that have different risk factors.

• Rates can drop if you have more than one policy – Lots of insurers will award a discount to people that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even with this discount, consumers should still check prices from other companies to help ensure you have the lowest rates.There is a good possibility that you can find lower rates by buying auto insurance from a different company.

• Younger drivers cost more – Beginning drivers in Ohio have been known to be easily distracted when driving so auto insurance rates are higher. Adding a young driver to your policy can increase premiums substantially. More mature drivers tend to be more responsible, cost insurance companies less in claims, and are generally more financially stable.

  The chart below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Pay more out-of-pocket – The deductibles you choose are the amount of money you are required to pay in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a stationary object, damage caused by hail, and having a roll-over accident. The more expense the insured is willing to pay, the less money you will pay for auto insurance.
• Rural vs Urban Areas – Residing in small towns and rural areas can save you money when insuring your vehicles. Fewer people means reduced accidents and lower theft and vandalism rates. City drivers have traffic congestion and more severe claims. More time behind the wheel translates into higher accident risk.

Most of the larger companies such as GEICO, State Farm and Progressive allow consumers to get pricing from their websites. Getting quotes for Mercury Milan insurance in Columbus is possible for anyone as you just type in the coverages you want on the page. Behind the scenes, the system will order credit information and your driving record and provides a quote based on these and other factors.

This simplifies rate comparisons, and it is important to do this in order to find the most affordable premium possible.

If you want to fill out one form to compare multiple rates now, check out the car insurance providers below. To compare your current rates, we recommend you replicate coverages and limits as shown on your current policy. Doing this assures you’re receiving a rate comparison for similar coverage.

The companies in the list below provide comparison quotes in Ohio. If more than one company is shown, it’s highly recommended you get prices from several of them to get the most affordable price.

Insurance coverage details

The premium information below outlines different insurance policy prices for Mercury Milan models. Having knowledge of how car insurance premiums are established can help guide drivers when making smart buying decisions.

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in specific Columbus garaging location which can increase or decrease insurance rates substantially.

Deductible analysis

One common question asked by Columbus drivers is what deductibles to buy. The following tables may help to conceptualize the price difference of buying low and high physical damage coverage deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rates do not factor in specific location information which can increase or decrease insurance rates substantially.

Based on the figures above, using a $250 deductible costs approximately $10 more each month or $120 for a full year averaged for all Milan models than requesting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 25 months between claims, you would probably save some money by going with a higher deductible.

Should you buy full coverage?

The illustration below compares Mercury Milan auto insurance costs with and without physical damage coverage. The costs are based on no claims or driving citations, $250 deductibles, marital status is single, and no discounts are applied to the premium.

When to eliminate full coverage

There is no exact rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s say your Mercury Milan replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after you pay the deductible. If it’s costing in excess of $400 a year for full coverage, then you might consider buying liability only.

There are some circumstances where dropping physical damage coverage is not in your best interest. If you still have a loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage.

It may be expensive, but it’s not optional

Even though it can be expensive, maintaining insurance is most likely required but also gives you several important benefits.

• Almost all states have minimum liability requirements which means the state requires a specific minimum amount of liability protection in order to drive the car legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you took out a loan on your vehicle, almost every bank will require you to have full coverage to guarantee payment of the loan. If you do not keep the policy in force, the lender will be forced to insure your Mercury at a much higher premium rate and require you to fork over much more than you were paying before.
• Car insurance protects both your assets and your car. It will also provide coverage for medical bills incurred in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of carrying enough insurance definitely exceed the cost, particularly for liability claims. According to a 2015 survey, the average American driver is overpaying more than $810 a year so we recommend shopping around at every renewal to ensure rates are inline.

Take policy discounts and save on Mercury Milan insurance in Columbus

Some insurers don’t always publicize every possible discount very well, so we took the time to find some of the best known and also the lesser-known credits available to lower your premiums when you buy Columbus car insurance online.

• Good Students Pay Less – Maintaining excellent grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
• Auto/Home Discount – If you can bundle your auto and homeowners insurance and insure them both with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.
• Waiver for an Accident – Not necessarily a discount, but some companies like Allstate and Progressive may permit one accident before raising your premiums if you are claim-free prior to the accident.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles help deter theft and will save you 10% or more on Milan insurance in Columbus.
• Pay Early and Save – If you pay your bill all at once instead of paying each month you can actually save on your bill.
• Membership in Organizations – Affiliation with a qualifying organization is a simple method to lower premiums when shopping for insurance.
• Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you better insurance rates if you take out some life insurance in addition to your auto policy.
• Claim-Free Discount – Drivers who don’t have accidents are rewarded with significantly better rates on Columbus car insurance quote when compared to frequent claim filers.

One thing to note about discounts is that some of the credits will not apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way.

The chart below compares Mercury Milan insurance prices with and without discounts applied to the policy rates. The rates are based on a male driver, no violations or accidents, Ohio state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, marriage, multi-policy, and claim-free discounts applied.

A list of insurance companies and a summarized list of policyholder discounts can be read below.

• State Farm discounts include good student, accident-free, good driver, anti-theft, driver’s education, Steer Clear safe driver discount, and multiple policy.
• GEICO offers discounts for military active duty, seat belt use, membership and employees, federal employee, anti-theft, and five-year accident-free.
• Progressive offers discounts including homeowner, multi-policy, good student, multi-vehicle, online signing, and online quote discount.
• 21st Century may include discounts for early bird, teen driver, defensive driver, good student, anti-lock brakes, and student driver.
• American Family includes discounts for TimeAway discount, accident-free, bundled insurance, air bags, good driver, mySafetyValet, and defensive driver.
• The Hartford may have discounts that include air bag, anti-theft, defensive driver, bundle, and vehicle fuel type.
• AAA policyholders can earn discounts including good student, good driver, education and occupation, multi-car, anti-theft, and AAA membership discount.

When quoting, ask each company or agent which discounts can lower your rates. A few discounts may not apply everywhere. To locate providers that have a full spectrum of discounts in Ohio, click this link.

Auto insurance is available from your local insurance agencies

Many drivers prefer to talk to an insurance agent and that is a personal choice. One of the great benefits of comparing rate quotes online is you can get cheap auto insurance quotes and still buy from a local agent. Buying from and supporting local agencies is important particularly in Columbus.

To make it easy to find an agent, after completing this simple form, your information is emailed to local insurance agents who want to provide quotes for your coverage. There is no reason to drive around as quotes are delivered immediately to you. You can find lower rates without the usual hassles of price shopping. If you need to quote rates from a specific auto insurance provider, just navigate to their website and fill out the quote form the provide.

When narrowing the list to find a reliable insurance agency, it’s helpful to know the types of agencies and how they are slightly different. Auto insurance agents can either be independent agents or exclusive agents depending on their employer.

Independent Agents

These agents do not write with just one company so they can write business with a variety of different insurance companies and find the cheapest rate. If premiums increase, they can switch companies in-house and you don’t have to do anything.

If you are comparing auto insurance prices, it’s a good idea to check rates from a couple of independent agencies so that you have a good selection of quotes to compare. A lot of them also have access to small mutual carriers who may have lower rates.

Featured below is a partial list of independent agents in Columbus that may be able to give comparison quotes.

• Franchise Insurance Agency, Inc.
  4930 Reed Rd Suite 100 – Columbus, OH 43220 – (614) 451-2232 – View Map
• Guy P Williams Insurance Agency
  1335 Dublin Rd #110d – Columbus, OH 43215 – (614) 488-1101 – View Map
• Nationwide Insurance: Robert L Smith
  4942 Reed Rd – Columbus, OH 43220 – (614) 451-2232 – View Map

More insurance agents

Exclusive Auto Insurance Agencies

These agents can only quote rates from one company and examples are Allstate, Farmers Insurance or State Farm. These agents are unable to compare other company’s rates so keep that in mind. They are well trained on their company’s products and that enables them to sell even at higher rates. Some insured continue to use the same exclusive agent partially due to the brand legacy rather than having low rates.

The following are Columbus exclusive insurance agents who can help you get price quotes.

• Amie Kim – State Farm Insurance Agent
  1246 N High St – Columbus, OH 43201 – (614) 586-8701 – View Map
• State Farm: Matt Simonds
  2986 N High St – Columbus, OH 43202 – (614) 262-6700 – View Map
• Meghan Humphreys – State Farm Insurance Agent
  3468 N High St a – Columbus, OH 43214 – (614) 754-9855 – View Map

More insurance agents

Selecting a auto insurance agent requires more thought than just the quoted price. Here are some questions to ask:

• Will high miles depreciate repair valuations?
• Does the company have a local claim office in Columbus?
• How much will you save each year by using a higher deductible?
• Do they have cheaper tiers of coverage?
• When do they do a full risk review?

Insurance can be complex

When selecting coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover if you might need professional guidance.

• Are rental cars covered under my policy?
• How do I file an SR-22 for a DUI in Ohio?
• Am I covered when delivering products for my home-based business?
• Where can I get insurance after a DUI in Ohio?
• What is GAP insurance?
• Is extra glass coverage worth it?
• Who is covered by my policy?
• Which companies are cheaper for teen drivers?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

You can find affordable coverage

Throughout this article, we presented many ideas to save on Mercury Milan insurance in Columbus. It’s most important to understand that the more quotes you get, the better your comparison will be. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising.

Budget-conscious Mercury Milan insurance is available online and with local Columbus insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who may not offer rate quotes online and most of the time these regional insurance providers only sell through local independent agencies.

People switch companies for many reasons like high rates after DUI convictions, extreme rates for teen drivers, an unsatisfactory settlement offer and denial of a claim. Regardless of your reason for switching companies, finding a new insurance company is actually quite simple.

Steps to finding low-cost Mercury Milan insurance in Columbus

Truthfully, the best way to quote cheaper Mercury Milan insurance is to annually compare prices from insurers who provide car insurance in Columbus.

Step 1: Try to learn about coverages and the modifications you can make to lower rates. Many factors that result in higher prices like your driving record and a not-so-good credit rating can be improved by making small lifestyle or driving habit changes.

Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive and State Farm, while independent agencies can provide rate quotes for a wide range of insurance providers.

Step 3: Compare the new quotes to your current policy to see if switching to a new carrier will save money. If you find a lower rate and switch companies, make sure coverage is continuous and does not lapse.

A good tip to remember is to use identical limits and deductibles on every quote and and to get rates from as many companies as feasibly possible. Doing this guarantees an apples-to-apples comparison and the best price selection.

For more information, take a look at the resources below:

• Collision Insurance Coverage (Nationwide)
• Who Has the Cheapest Columbus Auto Insurance for State Employees? (FAQ)
• Who Has Cheap Auto Insurance Rates for Hybrid Vehicles in Columbus? (FAQ)
• Who Has Affordable Car Insurance Rates for Drivers Over Age 50 in Columbus? (FAQ)
• Who Has Cheap Columbus Car Insurance for Unemployed Drivers? (FAQ)
• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
• Airbag FAQ (iihs.org)
• Auto Insurance Basics (Insurance Information Institute)
• Rental Reimbursement Coverage (Allstate)