Best Mercury Montego Car Insurance in 2024 (Top 10 Companies Ranked)
Discover the best Mercury Montego car insurance from Progressive, Geico, and USAA, with rates starting at just $35 a month. These top providers offer the most competitive rates and comprehensive coverage options, ensuring exceptional value and reliability for your Mercury Montego.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Aug 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
13,128 reviewsCompany Facts
Full Coverage for Mercury Montego
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
19,116 reviewsCompany Facts
Full Coverage for Mercury Montego
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
6,435 reviewsCompany Facts
Full Coverage for Mercury Montego
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
The best Mercury Montego car insurance providers are Progressive, Geico, and USAA, known for their comprehensive coverage options and exceptional service.
These companies excel in offering tailored policies that meet the specific needs of Mercury Montego owners. By comparing these insurers, Mercury Montego owners can find the most suitable coverage that ensures safety and value. Discover insights in our article titled “What is a safe speed to drive your car?”
Our Top 10 Company Picks: Best Mercury Montego Car Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 12% A+ High-Risk Drivers Progressive
#2 25% A++ Affordable Rates Geico
#3 10% A++ Military Savings USAA
#4 17% B Customer Service State Farm
#5 10% A+ Personalized Service Allstate
#6 12% A New Drivers Liberty Mutual
#7 20% A Essential Workers Farmers
#8 20% A+ Vanishing Deductible Nationwide
#9 10% A++ Coverage Options Travelers
#10 20% A+ Comprehensive Coverage Erie
Each company brings unique advantages, making them the top choices for protecting your vehicle.
Shop for the best liability-only car insurance with our free quote comparison tool. Enter your ZIP code above to begin.
- Progressive is the top pick for Mercury Montego car insurance
- Coverage tailored for the Mercury Montego’s unique safety features
- Specialized policies address Mercury Montego’s performance needs
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
#1 – Progressive: Top Overall Pick
Pros
- Tailored High-Risk Policies: Progressive specializes in coverage for high-risk Mercury Montego drivers, ensuring they can obtain insurance.
- 12% Multi-Policy Discount: Offers a 12% discount for Mercury Montego owners who bundle their policies. Find more details about this provider in our guide titled “Progressive Car Insurance Review.”
- Strong Financial Rating: With an A+ rating from A.M. Best, Progressive is a reliable choice for Mercury Montego insurance.
Cons
- Higher Rates for High-Risk Profiles: Premiums may be higher for Mercury Montego drivers with high-risk profiles.
- Limited Customization for Low-Risk Drivers: Less flexibility in policy customization for Mercury Montego owners with low-risk records.
#2 – Geico: Best for Affordable Rates
Pros
- 25% Multi-Policy Discount: Geico provides a substantial 25% discount for Mercury Montego owners who bundle their policies.
- Top A.M. Best Rating: Geico’s A++ rating assures Mercury Montego owners of its financial health and claim-paying ability.
- Competitive Premiums: Known for offering some of the most affordable rates for Mercury Montego insurance. Learn more about Geico’s rates in our guide titled “Geico Car Insurance Review.”
Cons
- Generic Coverage Options: May not offer as many specialized coverages for Mercury Montego as other insurers.
- Customer Service Variability: Some Mercury Montego owners might experience variability in customer service quality.
#3 – USAA: Best for Military Savings
Pros
- Military Discounts: USAA offers exclusive discounts for military members who own a Mercury Montego. Check out insurance savings for military members and their families in our complete guide titled “USAA Car Insurance Review.”
- 10% Multi-Policy Discount: Provides a discount for those Mercury Montego owners who bundle policies.
- Exceptional Financial Strength: An A++ rating from A.M. Best ensures reliability for Mercury Montego claims.
Cons
-
Eligibility Restrictions: USAA’s services for Mercury Montego insurance are only available to military members, veterans, and their families.
- Limited Physical Presence: Fewer local offices, which might affect some Mercury Montego owners seeking in-person service.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
#4 – State Farm: Best for Customer Service
Pros
- Diverse Coverage Expert: Offers a range of policies tailored for different needs of Mercury Montego owners.
- High Low-Mileage Discount: State Farm rewards Mercury Montego owners with low-mileage discounts. See the reviews and rankings in our full article titled “State Farm Car Insurance Review.”
- 17% Multi-Policy Discount: Provides significant savings for Mercury Montego owners who bundle their insurance policies.
Cons
- Premium Costs: Despite discounts, premiums might still be higher for certain Mercury Montego coverage levels.
- Limited Multi-Policy Discount Compared: While substantial, the discount may be lower than some competitors for Mercury Montego insurance.
#5 – Allstate: Best for Personalized Service
Pros
- Personalized Agent Interaction: Allstate agents provide tailored service for each Mercury Montego owner’s needs.
- 10% Multi-Policy Discount: Allstate offers a solid multi-policy discount for bundling Mercury Montego insurances.
- Strong Financial Health: With an A+ rating, Allstate ensures dependable support for Mercury Montego claims. Find more information about Allstate’s rates in our article titled “Allstate Car Insurance Review.”
Cons
- Higher Price Point: Personalized service comes at a higher cost for Mercury Montego insurance.
- Variability in Agent Quality: The experience might vary significantly depending on the agent servicing the Mercury Montego policy.
#6 – Liberty Mutual: Best for New Drivers
Pros
- Designed for New Drivers: Liberty Mutual provides specific benefits and discounts for new Mercury Montego drivers.
- 12% Multi-Policy Discount: Encourages savings for Mercury Montego owners through policy bundling. You can learn more about Liberty Mutual’s insurance options in our complete guide titled “Liberty Mutual Car Insurance Review.”
- Robust Financial Standing: An A rating from A.M. Best assures financial reliability for handling Mercury Montego claims.
Cons
- Higher Rates for New Drivers: New Mercury Montego drivers might face higher premiums due to perceived inexperience.
- Standardized Policy Offerings: May lack the depth of customization desired by new Mercury Montego owners.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
#7 – Farmers: Best for Essential Workers
Pros
- Special Discounts for Essential Workers: Farmers offers discounts tailored to essential workers with Mercury Montegos.
- 20% Multi-Policy Discount: Provides significant savings for Mercury Montego owners who bundle their insurance. Take a look at our article titled “Farmers Car Insurance Review.”
- Comprehensive Support: Farmers is known for extensive customer support and services for Mercury Montego policies.
Cons
- Costlier Premiums Without Discounts: Premiums may be high for Mercury Montego owners who do not qualify for essential worker discounts.
- Limited Coverage Options: Some essential workers might find the available Mercury Montego coverage options restrictive.
#8 – Nationwide: Best for Vanishing Deductibles
Pros
- Vanishing Deductible: Nationwide rewards Mercury Montego owners with a deductible that decreases over time without claims.
- 20% Multi-Policy Discount: Encourages Mercury Montego owners to bundle policies for additional savings. Learn more about SmartRide in our guide titled “Nationwide Car Insurance Discounts.”
- Superior Financial Rating: With an A+ rating from A.M. Best, Nationwide ensures robust financial health for Mercury Montego claims.
Cons
- Higher Initial Deductible: Initial deductibles might be higher for Mercury Montego policies, despite the vanishing feature.
- Rate Variability: Some Mercury Montego owners may experience variability in rates depending on state and driving record.
#9 – Travelers: Best for Coverage Options
Pros
- Wide Range of Coverage Options: Travelers offers extensive coverage choices for Mercury Montego owners. Read more about Travelers’ ratings in our article titled “Travelers Car Insurance Review.”
- 10% Multi-Policy Discount: Provides a discount for Mercury Montego owners who opt to bundle their policies.
- Exceptional Financial Strength: An A++ rating from A.M. Best ensures Travelers can reliably manage Mercury Montego claims.
Cons
- Complex Policy Options: The wide range of options can be overwhelming for some Mercury Montego owners.
- Premium Pricing: Comprehensive coverage options come at a higher cost for Mercury Montego insurance.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
#10 – Erie: Best for Comprehensive Coverage
Pros
- Tailored Comprehensive Coverage: Erie offers specialized comprehensive coverage perfectly suited for Mercury Montegos.
- 20% Multi-Policy Discount: Significant savings for those who bundle their Mercury Montego insurance policies. Compare Erie’s rates with top competitors in our article titled “Erie Car Insurance Review.”
- Top-Tier Financial Stability: An A+ rating from A.M. Best, affirming Erie’s capacity to support Mercury Montego claims.
Cons
- Limited Availability: Erie’s comprehensive coverage for Mercury Montegos is not available in all states.
- Premium Cost: While offering extensive coverage, the premiums might be higher compared to standard Mercury Montego policies.
Comparative Monthly Rates for Mercury Montego Insurance
Understanding the cost of insurance for your Mercury Montego can help you make informed decisions about the level of coverage that’s right for you. Below is a detailed comparison of monthly rates offered by various providers for both minimum and full coverage options. Unlock details in our guide titled “Compare Car Insurance by Coverage Type.”
Mercury Montego Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $50 $142
Erie $40 $124
Farmers $49 $145
Geico $39 $119
Liberty Mutual $46 $139
Nationwide $42 $131
Progressive $47 $135
State Farm $45 $132
Travelers $44 $140
USAA $35 $108
The table presents a snapshot of what Mercury Montego owners might expect to pay for car insurance. USAA offers the most affordable rates, with minimum coverage starting at just $35 and full coverage at $108 per month, making it an attractive option for those eligible.
On the higher end, Farmers charges $49 for minimum coverage and $145 for full coverage. Geico also stands out for its competitive pricing, offering minimum coverage for $39 and full coverage for $119.
This range in prices illustrates the importance of shopping around to find the best rate that aligns with the coverage needs of Mercury Montego owners. Each provider’s rates are reflective of their specific service offerings, coverage options, and the value they provide to car owners.
What Are the Important Features of the Mercury Montego
The Mercury Montego was first developed for the North American market during the 1968 model year. It was available as a mid-size vehicle until 1976. This car was very similar to the Ford Torino that was available during that same period.
The 1968 version was offered in four different model styles. Customers could choose a two or four-door model, as well as a station wagon and a convertible. The convertible was dropped as an available style for the 1970 model year. Delve into our evaluation of our guide titled “Cheap Car Insurance for Convertibles.”
The Montego was reintroduced to the buying public for the 2005 model year.
This model had a 3.0 L, V6 engine and was classified as a full-size vehicle and was offered at an MSRP of $25,000.
The Montego car sold 27,000 and 22,000 units in 2005 and 2006, respectively. By the 2007 model year, sales had dropped to 10,700 cars and the line was then discontinued.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
What Are the Safety Features in the Mercury Montego
A customer who wants to keep his or her insurance costs down will choose to drive a vehicle that has a high crash test safety rating.
The Mercury Montego has been given a five-star rating for frontal and side impact crashes during safety tests and a four-star rollover rating as well.
The safety features that a model is equipped with matter to car insurance companies because the companies consider the likelihood that someone will be injured in an accident when they are setting rates.
The following safety features can help reduce insurance costs:
- Driver and Passenger Air Bags
- Anti-lock Brakes
- Lap and Shoulder Belts for All Occupants
Choosing a vehicle like the Mercury Montego, with its high crash test safety ratings and robust safety features, can be a wise decision for drivers looking to minimize their insurance costs. Enhanced safety features such as driver and passenger airbags, anti-lock brakes, and full lap and shoulder belts for all occupants not only improve overall safety but can also lead to more favorable rates on liability insurance.
Ultimately, investing in a vehicle equipped with these advanced safety measures can significantly reduce the likelihood of injuries in an accident, which is a critical factor insurers consider when determining premiums.
What Affects My Actual Car Insurance Cost for a Mercury Montego
The actual cost of insurance coverage will depend on a number of factors.
- Maintaining a clean driving record means that a person who is shopping for car insurance coverage will be able to qualify for better rates than someone who has been involved in one or more accidents.
- Age and gender are factors when it comes to setting rates because younger and inexperienced drivers are more likely to be involved in accidents than people who have several years of driving experience. Access comprehensive insights into our article titled “Best Car Insurance for Multiple Accidents.”
Since each car insurance company independently determines its premium rates based on a variety of factors, it is crucial for customers who are seeking to minimize their insurance expenses to actively compare rates from multiple providers.
Choosing Progressive for your Mercury Montego can result in substantial savings, especially with their 12% discount on multi-policy bundles.
Brad Larson Licensed Insurance Agent
This process allows customers to identify the most cost-effective options available, ensuring they do not pay more than necessary for their coverage. Shopping around can reveal significant price variations between insurers, highlighting the potential for substantial savings.
Only by comparing rates from a number of providers will they be able to make sure that they are getting the best deal for their personal insurance situation.
When comparing prices for insurance coverage on a vehicle like the Mercury Montego, make sure that all the quotes you are looking at are the same type and level of coverage.
Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
Frequently Asked Questions
What are the important features of the Mercury Montego?
The Mercury Montego is a mid-size car known for its roomy interior and comfortable ride. It was first introduced in 1968 and offered in various model styles, including two-door and four-door options, as well as a station wagon and a convertible. The modern version of the Montego, introduced in 2005, had a 3.0 L, V6 engine and was classified as a full-size vehicle.
What are the safety features in the Mercury Montego?
The Mercury Montego has received a five-star rating for frontal and side impact crashes during safety tests, as well as a four-star rollover rating. Some of the safety features that can help reduce insurance costs include driver and passenger airbags, anti-lock brakes, and lap and shoulder belts for all occupants.
Access comprehensive insights into our guide titled “Does car insurance cover passengers?”
What affects my actual car insurance cost for a Mercury Montego?
Several factors influence Mercury Montego insurance costs, including driving record, age, gender, and the insurer’s specific rates. Younger, less experienced drivers often face higher premiums. Comparing quotes from different providers ensures you get the best deal; ensure all quotes are for equivalent coverage levels.
How can I find the best car insurance rates for my Mercury Montego?
To secure the best car insurance rates for your Mercury Montego, compare quotes from various insurers. Ensure you provide accurate details about your driving record and age. This comparison helps you find affordable coverage that suits your needs.
Why do safety features matter to car insurance companies?
Car insurance companies value safety features because they reduce the risk of injury in accidents, influencing rates. Vehicles like the Mercury Montego, with its high crash test ratings and safety features like airbags and anti-lock brakes, often have lower insurance costs due to their enhanced safety.
Learn more by reading our guide titled “How much does a minor accident affect car insurance rates?”
How can I maintain a clean driving record?
Maintaining a clean driving record requires adherence to traffic laws, safe driving practices, and avoiding accidents or violations. Tips include obeying speed limits, avoiding driving distractions, keeping a safe distance, and following traffic rules. Defensive driving courses also enhance driving skills and awareness.
What is the most trusted Mercury Montego car insurance company?
Progressive is widely regarded as the most trusted insurance company for Mercury Montego due to its comprehensive coverage options and strong financial stability.
Who typically has the cheapest Mercury Montego car insurance?
Geico typically offers the cheapest Mercury Montego car insurance, providing affordable rates and substantial coverage options.
To learn more, explore our comprehensive resource on “Geico Car Insurance Discounts.”
What insurance company has the least complaints?
USAA consistently has the fewest complaints among insurance companies, known for excellent customer service and reliability.
At what age is Mercury Montego car insurance cheapest?
Mercury Montego car insurance is generally cheapest for drivers aged 50 and above, due to their experience and lower risk profile.
Is Geico cheaper than Progressive for Mercury Montego?
Yes, Geico is often cheaper than Progressive for Mercury Montego insurance, offering lower premiums for similar coverage.
When you’re ready to see how much you can save on your car insurance, enter your ZIP code below into our free comparison tool.
Why did my Mercury Montego car insurance go up in 2024?
Your Mercury Montego car insurance may have increased in 2024 due to factors like regional rate adjustments, increased claims in the area, or changes in your driving record.
Which insurance is best for a Mercury Montego car after 5 years?
After 5 years, Allstate is often considered the best insurance for a Mercury Montego car, offering tailored policies that accommodate older vehicles.
What state has the worst Mercury Montego insurance rates?
Louisiana typically has the worst Mercury Montego insurance rates due to high accident rates and greater susceptibility to natural disasters.
To find out more, explore our guide titled “Cheapest Louisiana Car Insurance Rates.”
Who would pay the most for Mercury Montego insurance?
Young drivers under 25 and those with poor driving records typically pay the most for Mercury Montego insurance.
Does Mercury Montego insurance go down after paying off a car?
Yes, insurance rates for a Mercury Montego can decrease after paying off the car as you may choose to drop or reduce certain coverages like collision or comprehensive.
Is Allstate cheaper than Geico for Mercury Montego?
Generally, Geico offers cheaper rates than Allstate for Mercury Montego insurance, though this can vary based on individual circumstances.
By entering your ZIP code below, you can get instant car insurance quotes from top providers.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
