If you are new to online price comparisons, there’s a good chance you are overwhelmed thanks to all the different types of companies selling insurance in Seattle.
Sadly, about 70% of customers have remained with the same car insurance company for over three years, and roughly 40% of drivers have never shopped around. With the average car insurance premium being $1,847, American drivers could cut their rates by approximately $860 a year just by shopping around, but most undervalue the benefits if they replace their high priced policy.
Consumers should take time to take a look at other company’s rates once or twice a year because car insurance prices change quite often. Even if you think you had the best quotes on Mercury Milan insurance in Seattle a few years ago other companies may now be cheaper. You can find a lot of misleading information regarding Milan insurance on the web, but in just a couple of minutes you can learn the easiest ways to find affordable car insurance in Seattle.
Comparing rates for more affordable coverage in Seattle is actually quite simple. In essence, anyone who is shopping for auto insurance will most likely find better rates. Although Washington drivers can benefit by having an understanding of the way insurance companies set your policy premium.
The fastest way that we advise to compare rates for Mercury Milan insurance in Seattle is to realize all the major auto insurance companies provide online access to give free rates quotes. The only thing you need to do is give the companies some data such as if you went to college, the type of vehicles you drive, marital status, and your occupation. Your information is instantly submitted to multiple companies and you should receive rate quotes very quickly.
To compare rates for your Mercury Milan now, click here and enter your zip code.
The companies shown below are our best choices to provide comparison quotes in Seattle, WA. If multiple providers are shown, we recommend you click on several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Milan | $208 | $354 | $258 | $16 | $78 | $914 | $76 |
| Milan Premier | $196 | $448 | $236 | $14 | $70 | $964 | $80 |
| Milan Premier AWD | $124 | $242 | $240 | $14 | $72 | $692 | $58 |
| Milan Hybrid | $246 | $556 | $334 | $20 | $100 | $1,256 | $105 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Price estimates do not factor in vehicle location which can decrease or increase insurance rates noticeably.
How much more does full coverage cost in Seattle?
The example below visualizes the comparison of Mercury Milan annual premium costs with liability coverage only compared to full coverage. The premium estimates are based on no accidents or driving violations, $100 deductibles, married male driver, and no discounts are applied.
When to switch to liability coverage only
There is no exact formula for excluding full coverage, but there is a general school of thought. If the annual cost of coverage is more than around 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Mercury Milan claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after the deductible is paid. If premium cost is more than $700 a year for physical damage coverage, then it might be time to buy liability only.
There are some conditions where only buying liability is not financially feasible. If you still owe a portion of the original loan, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage.
Deductible analysis
When comparing car insurance rates, the most common question is how high or low should comp and collision deductibles be. The rates below can help you understand the cost difference between low and high physical damage coverage deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Milan | $254 | $458 | $250 | $14 | $76 | $1,077 | $90 |
| Milan Premier | $254 | $540 | $250 | $14 | $76 | $1,159 | $97 |
| Milan Premier AWD | $286 | $540 | $250 | $14 | $76 | $1,191 | $99 |
| Milan Hybrid | $286 | $540 | $294 | $18 | $88 | $1,251 | $104 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Milan | $140 | $242 | $250 | $14 | $76 | $722 | $60 |
| Milan Premier | $140 | $284 | $250 | $14 | $76 | $764 | $64 |
| Milan Premier AWD | $158 | $284 | $250 | $14 | $76 | $782 | $65 |
| Milan Hybrid | $158 | $284 | $294 | $18 | $88 | $842 | $70 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in specific garaging location which can lower or raise premiums considerably.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $33 more each month or $396 annually than requesting the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 27 months between claims, you would probably be better off if you decide on a higher deductible.
How to determine when to raise your deductibles
| Average monthly premium for $100 deductibles: | $98 |
| Average monthly premium for $1,000 deductibles (subtract): | – $65 |
| Monthly savings from raising deductible: | $33 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $33 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 27 months |
An important thing to remember is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you file a claim. It will be required that you have some non-essential savings in the event you have to pay more to get your vehicle repaired.
Choosing vehicle insurance is an important decision
Despite the high insurance cost for a Mercury Milan in Seattle, insurance is not optional due to several reasons.
- The majority of states have mandatory liability insurance requirements which means you are required to carry specific limits of liability protection in order to be legal. In Washington 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 took out a loan on your vehicle, it’s guaranteed your bank will have a requirement that you buy insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may insure your Mercury at a significantly higher premium and require you to reimburse them for it.
- Insurance preserves your Mercury Milan and your assets. Insurance will also pay for medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, also covers legal expenses if someone files suit against you as the result of an accident. If you have damage to your Mercury as the result of the weather or an accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance more than cancel out the cost, especially when you need to use it. According to a recent study, the average American driver overpays as much as $830 a year so you should quote and compare rates at least once a year to make sure the price is not too high.
Ads can be misleading
Popular insurance providers such as Allstate and Progressive consistently run television, radio, and online ads. All the companies make an identical promise about how much you will save just by switching to their company. How does each company say the same thing?
Insurance companies have specific characteristics for the driver that will generate a profit. For instance, this type of insured might be over age 30, carries full coverage, and drives less than 5,000 miles a year. Any new insured who meets those qualifications will get very good Seattle premium rates and have a good chance to save when switching.
Potential insureds who fall short of the “perfect” profile will probably have to pay more expensive rates and this can result in business not being written. The ads say “people who switch” but not “all drivers who get quotes” save that much money. That’s why insurance companies can confidently make it sound like they have such great rates.
Different companies use different criteria so it is so important to get as many free Seattle auto insurance quotes as possible. Because you never know which company will provide you with the cheapest Mercury Milan insurance in Seattle.
Lower rate quotes by applying discounts
Insuring your fleet can be pricey, but you may find discounts that may help make it more affordable. Some discounts will apply at the time you complete a quote, but once in a while a discount must be requested specifically before you will receive the discount.
- Seattle Homeowners Discount – Just owning your own home can save you money because maintaining a house is proof that your finances are in order.
- Mature Driver Discount – Mature drivers may receive a discount up to 10%.
- Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
- Life Insurance Discount – Some companies give a small discount if you purchase auto and life insurance together.
- Telematics Data Discounts – Drivers who elect to allow driving data submission to analyze vehicle usage by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they have good driving habits.
- Sign Early and Save – Select insurance companies give a discount for signing up prior to your current Milan insurance policy expiration. This can save 10% or more.
- Discounts for Seat Belt Usage – Drivers who require all occupants to use a seat belt can save a little on medical payment and PIP coverage.
While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comp or med pay. Even though the math looks like all the discounts add up to a free policy, nobody gets a free ride.
Popular insurance companies and some of the discounts are outlined below.
- State Farm has savings for accident-free, defensive driving training, Steer Clear safe driver discount, anti-theft, and good student.
- Progressive policyholders can earn discounts including good student, online signing, multi-vehicle, continuous coverage, and multi-policy.
- Progressive may include discounts for homeowner, multi-policy, multi-vehicle, continuous coverage, online signing, and good student.
- MetLife includes discounts for multi-policy, accident-free, good driver, claim-free, defensive driver, good student
- Farm Bureau offers discounts including renewal discount, multi-vehicle, multi-policy, youthful driver, and 55 and retired.
- GEICO discounts include defensive driver, membership and employees, emergency military deployment, driver training, multi-policy, military active duty, and anti-theft.
- SAFECO has discounts for multi-car, anti-lock brakes, teen safe driver, homeowner, safe driver, and accident prevention training.
When quoting, ask each insurance company how many discounts you can get. Some of the discounts discussed earlier may not apply in every state.
Local Seattle insurance agents and insurance
Some people just want to get professional advice from a licensed agent and doing that can be a smart decision One of the great benefits of price shopping on the web is the fact that you can find better rates and still have a local agent. And providing support for local insurance agents is still important in Seattle.
To help locate an agent, after submitting this form (opens in new window), the coverage information gets sent to participating agents in Seattle who will give competitive quotes for your insurance coverage. You won’t need to find an agent on your own because quoted prices will be sent directly to your email. You can get cheaper insurance rates and work with a local agent. In the event you want to compare rates from a specific insurance company, you can always visit that company’s website and give them your coverage information.
The following are agents in Seattle that may be able to provide rate quotes for Mercury Milan insurance in Seattle.
- Andy Hubbard – State Farm Insurance Agent
1515 NW 52nd St a – Seattle, WA 98107 – (206) 789-4211 – View Map - Kent Christianson – State Farm Insurance Agent
1705 N 45th, Ste A – Seattle, WA 98103 – (206) 632-8000 – View Map - Sheila Burrus – State Farm Insurance Agent
1115 N Northgate Way – Seattle, WA 98133 – (206) 364-2210 – View Map - Michael Wong Insurance
1200 Westlake Ave N #607 – Seattle, WA 98109 – (206) 284-0171 – View Map
Picking an provider requires more thought than just the premium amount. Any agent in Seattle should be forthright in answering these questions:
- Will they take your side in the event of a claim?
- Is coverage determined by price?
- Do they offer rental car reimbursement?
- How does the company pay claims for a total loss?
- How often do they review coverages?
After you get good answers and an affordable coverage quote, chances are good that you have found an insurer that meets the criteria to provide insurance coverage. Just remember you have the power to cancel a policy at any point so don’t feel that you are obligated to the insurance policy for the full term.
What insurance coverages do I need?
When quoting and choosing a policy for your vehicles, there is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply.
These are some specific questions can help discover whether you could use an agent’s help.
- Do they offer discounts for home and auto coverage?
- Do I need motorclub coverage?
- How much liability coverage do I need in Washington?
- Are split liability limits better than a combined single limit?
- Am I covered if I have no license?
- What are the best liability limits?
If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.
Find affordable insurance rates by comparing often
Cheaper insurance in Seattle can be bought from both online companies in addition to local insurance agencies, so you need to quote Seattle auto insurance with both to get a complete price analysis. Some insurance companies may not have online quoting and most of the time these regional carriers only sell coverage through independent agents.
When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. The aim is to purchase a proper amount of coverage at the best cost and still be able to protect your assets.
Helpful information
- Preventing Carjacking and Theft (Insurance Information Institute)
- Who Has Cheap Seattle Car Insurance Rates for a Dodge Ram? (FAQ)
- Who Has Affordable Seattle Auto Insurance for Single Moms? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a 20 Year Old Female in Seattle? (FAQ)
- Distracted Driving (Insurance Information Institute)
- Vehicle Insurance (Wikipedia)