Saving money on Mercury Milan insurance in Houston is quite difficult for drivers who are new to comparing prices online. Drivers have so many options available that it can easily become a real challenge to find better prices on Mercury Milan insurance.
A recent insurance study revealed that the vast majority of consumers kept buying from the same company for four years or more, and virtually 40% of consumers have never quoted rates to find cheap coverage. The average driver in Houston could pocket about $1,766 a year, but they don’t know the amount of savings they would get if they bought a different policy.
Smart consumers take time to get comparison quotes quite often due to the fact that insurance prices change frequently. Even if you got the best rate on Mercury Milan insurance in Houston six months ago there may be better deals available now. You can find a lot of wrong information about Milan insurance online but by reading this article, you’re going to learn some of the best ways to quit paying high insurance rates in Houston.
This information will teach you a little about how auto insurance companies operate and also pocket some savings If you have a current insurance policy, you will most likely be able to reduce premiums using these methods. But Texas vehicle owners must know the way insurance companies calculate their prices because it varies considerably.
The quickest method to compare insurance rates in your area is to realize most larger insurance companies actually pay money for the chance to quote your coverage. To start a quote, the only thing you need to do is give the companies some data such as whether you are married, your job, if the car is leased, and if it has an alarm system. The rating information is submitted instantly to multiple car insurance providers and you will get price comparisons with very little delay.
To get price quotes for your Mercury Milan now, click here and complete the quick form.
The companies shown below are our best choices to provide price comparisons in Houston, TX. If more than one company is shown, it’s a good idea that you get price quotes from several of them to get the lowest price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Milan | $240 | $400 | $324 | $20 | $96 | $1,080 | $90 |
| Milan Premier | $174 | $416 | $422 | $24 | $126 | $1,162 | $97 |
| Milan Premier AWD | $318 | $660 | $422 | $24 | $126 | $1,550 | $129 |
| Milan Hybrid | $208 | $392 | $358 | $22 | $108 | $1,088 | $91 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate information does not factor in vehicle location which can alter coverage rates noticeably.
Deductible analysis
The information below shows how different deductible levels and can affect Mercury Milan annual premium costs for different age categories. The rates are based on a married male driver, full coverage, and no other discounts are factored in.
Comparison of auto insurance rates by age and gender
The chart below shows the difference between Mercury Milan yearly insurance costs for male and female drivers. The prices are based on no violations or accidents, full coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.
Raise deductibles and save
A question often asked by Houston drivers is how high should the physical damage deductibles be. The figures shown below summarize the premium difference when you choose different deductibles. The first rate quote example uses a $250 deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Milan | $294 | $496 | $324 | $20 | $96 | $1,255 | $105 |
| Milan Premier | $294 | $584 | $324 | $20 | $96 | $1,343 | $112 |
| Milan Premier AWD | $332 | $584 | $324 | $20 | $96 | $1,381 | $115 |
| Milan Hybrid | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Milan | $182 | $312 | $324 | $20 | $96 | $934 | $78 |
| Milan Premier | $182 | $368 | $324 | $20 | $96 | $990 | $83 |
| Milan Premier AWD | $206 | $368 | $324 | $20 | $96 | $1,014 | $85 |
| Milan Hybrid | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in garaging location in Houston which can lower or raise insurance rates noticeably.
Based on the figures above, using a $250 deductible costs approximately $30 more each month or $360 a year than selecting the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 25 months between claims, you would probably come out ahead if you choose the higher deductible.
How to determine when to raise deductibles
| Average monthly premium for $250 deductibles: | $114 |
| Average monthly premium for $1,000 deductibles (subtract): | – $84 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
An important sidenote is that raising deductibles to get cheaper rates means you will have to pay more when you have a comprehensive or collision claim. You will want to have some extra savings in the event you need to pay more to get your vehicle repaired.
Three reasons to insure your Mercury vehicle
Despite the fact that auto insurance is not cheap in Houston, paying for auto insurance may be required and benefits you in several ways.
- Most states have mandatory insurance requirements which means the state requires a minimum amount of liability coverage if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your Milan, it’s most likely the lender will make it mandatory that you buy insurance to guarantee loan repayment. If you let the policy lapse, the bank may insure your Mercury at a much higher rate and force you to pay for the much more expensive policy.
- Auto insurance preserves your car and your assets. Insurance will also pay for many types of medical costs for yourself as well as anyone injured by you. As part of your policy, liability insurance also pays for attorney fees and expenses if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of insuring your Milan definitely exceed the cost, particularly for liability claims. According to a 2015 survey, the average American driver is currently overpaying as much as $869 every year so you should quote your policy with other companies every year to ensure rates are inline.
Earn discounts on Houston auto insurance
Some insurers don’t always advertise every discount in an easy-to-find place, so below is a list some of the best known and also the lesser-known credits available to bring down your rates. If you do not double check each discount you deserve, you are throwing money away.
- Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you a discounted premium rate on car insurance if you buy auto and life insurance together.
- Distant Student – Kids who live away from home at college and do not take a car to college can receive lower rates.
- Accident Forgiveness – Not a discount per se, but some insurance companies will allow you to have one accident before they charge you more for coverage so long as you haven’t had any claims for a specific time period.
- Defensive Driver Discounts – Taking a defensive driver course is a good idea and can lower rates depending on where you live.
- Multi-Vehicle Discounts – Buying a policy with all your vehicles on the same auto insurance policy could earn a price break for each car.
- Safe Driver Discounts – Insureds who avoid accidents may receive a discount up to 45% than drivers with accidents.
- Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings of more than 20%.
- Federal Government Employee – Active or former government employment can save as much as 8% with a few auto insurance companies.
- Anti-lock Brakes – Vehicles that have anti-lock braking systems can stop better under adverse conditions and will save you 10% or more on Milan insurance in Houston.
You can save money using discounts, but most of the big mark downs will not be given to the whole policy. Most cut the price of certain insurance coverages like medical payments or collision. So even though you would think you could get a free auto insurance policy, you’re out of luck.
A list of companies and some of their more popular discounts are outlined below.
- State Farm offers discounts including Drive Safe & Save, safe vehicle, defensive driving training, good student, and driver’s education.
- GEICO has savings for air bags, federal employee, anti-theft, emergency military deployment, five-year accident-free, and multi-policy.
- Progressive may offer discounts for online signing, homeowner, multi-vehicle, multi-policy, continuous coverage, good student, and online quote discount.
- 21st Century has discounts for student driver, 55 and older, driver training, good student, and automatic seat belts.
- American Family may have discounts that include mySafetyValet, good driver, Steer into Savings, good student, multi-vehicle, and air bags.
- The Hartford includes discounts for good student, anti-theft, defensive driver, driver training, vehicle fuel type, and air bag.
- AAA may include discounts for anti-theft, good driver, AAA membership discount, pay-in-full, multi-policy, multi-car, and education and occupation.
Check with each company or agent which discounts can lower your rates. Some of the earlier mentioned discounts may not apply everywhere. If you would like to see a list of insurance companies with significant discounts in Texas, click here to view.
Get rate quotes but buy from a neighborhood Houston auto insurance agent
A lot of people still like to talk to a local agent and doing that can be a smart decision One of the best bonuses of price shopping on the web is you can get the lowest rates and still have an agent to talk to. Buying from local insurance agencies is especially important in Houston.
Once you complete this quick form, your coverage information is sent to local insurance agents in Houston that can provide free Houston car insurance quotes for your business. You never need to contact an agency since rate quotes are delivered straight to your inbox. Get lower rates AND an agent nearby. If you want to compare prices from one company in particular, you can always go to their quote page and give them your coverage information.
What type of Houston auto insurance agent is right for you?
If you prefer to buy car insurance from a local Houston insurance agent, it’s helpful to know the different types of agents from which to choose. Agencies in Houston can be described as either exclusive or independent.
Independent Agents
Agents of this type are not employed by one company and that gives them the ability to insure through lots of different companies and find you cheaper rates. If they find a lower price, your agent can switch companies without you having to go to a different agency. If you are comparing car insurance prices, you should always include price quotes from independent agents for maximum quote selection. A lot of them also have access to smaller mutual companies which could offer lower prices.
Featured below are Houston independent agencies that may be able to give you price quotes.
- Craig Insurance Agency
1020 Bay Area Blvd # 100 – Houston, TX 77058 – (281) 488-2733 – View Map - Hispano’s Insurance Agency
5420 Chimney Rock Rd – Houston, TX 77081 – (832) 778-8600 – View Map - Texas General Insurance Agency
2500 West Loop S #210 – Houston, TX 77027 – (713) 622-5977 – View Map
Exclusive Agencies
Exclusive agencies normally can only provide a single company’s rates such as Farmers Insurance, American Family, State Farm and Allstate. They are unable to provide other company’s prices so they have no alternatives for high prices. Exclusive insurance agents are usually quite knowledgeable on the products they sell and that allows them to sell at a higher price point. Consumers frequently buy from exclusive agents partially due to the prominence of the brand rather than low rates.
The following is a list of exclusive insurance agencies in Houston that can give you price quotes.
- Tammy Pham – State Farm Insurance Agent
13618 Bellaire Blvd, Ste E5 – Houston, TX 77083 – (281) 498-6800 – View Map - State Farm: Ken Quach
6489 Wilcrest Dr – Houston, TX 77072 – (281) 498-1010 – View Map - Sean Wong – State Farm Insurance Agent
7035 Hwy 6 N – Houston, TX 77095 – (281) 550-0555 – View Map
Selecting an car insurance agent requires more thought than just the bottom line cost. Any agent in Houston should have no problem answering these questions:
- If they are an independent agency in Houston, which companies do they recommend?
- What insurance companies do they work with in Houston?
- Are they actively involved in the community?
- Has the agent ever had any license suspensions?
- Is there a local claims center in Houston?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Does the agent help file claims?
- When do they do a full risk review?
Car insurance 101
Knowing the specifics of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Liability – This coverage can cover damages or injuries you inflict on a person or their property. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 30/60/25 that means you have $30,000 bodily injury coverage, $60,000 for the entire accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage pays for claims such as medical services, loss of income, pain and suffering, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford. Texas requires drivers to carry at least 30/60/25 but it’s recommended drivers buy more coverage.
Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as vandalism, a broken windshield and damage from a tornado or hurricane. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for immediate expenses like prosthetic devices, X-ray expenses, doctor visits and chiropractic care. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Since many Texas drivers carry very low liability coverage limits (30/60/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.
Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like damaging your car on a curb, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your Milan to save money on collision insurance.
More effort can pay off
Consumers change insurance companies for any number of reasons including denial of a claim, policy cancellation, an unsatisfactory settlement offer or poor customer service. Regardless of your reason, choosing a new company is actually quite simple.
When searching for the cheapest Mercury Milan rate quotes, don’t be tempted to reduce coverage to reduce premium. In many cases, drivers have reduced liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.
Cheaper Mercury Milan insurance in Houston can be bought both online and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies don’t offer online price quotes and many times these small insurance companies sell through independent insurance agencies.
Additional detailed information can be found in the articles below:
- Distracted Driving Extends Beyond Texting (State Farm)
- Who Has Affordable Houston Auto Insurance Quotes for Real Estate Agents? (FAQ)
- Who Has the Cheapest Houston Car Insurance for Single Moms? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers Under 21 in Houston? (FAQ)
- How Much is Car Insurance for Teachers in Houston? (FAQ)
- Driving in Bad Weather (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)