2006 Mercury Mariner Car Insurance Quotes

Trying to find the cheapest auto insurance rates for your Mercury Mariner? Have you finally had enough of robbing Peter to pay Paul to pay high auto insurance rates every month? Your situation is no different than many other people. Insurance companies such as State Farm and GEICO all promote huge savings with catchy ads and it is challenging if not impossible to ignore the flashy ads and take the time to shop coverage around.

It’s a good idea to get comparison quotes before your policy renews since insurance prices change regularly. Even if you got the best deal for Mariner coverage a few years ago other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re going to get a crash course in the best methods to properly buy coverages and cut your premium.

If you have a current insurance policy or need new coverage, you will benefit by learning to reduce the price you pay while maximizing coverage. Finding affordable coverage is not that difficult. Drivers only need an understanding of the tricks to compare rates on the web.

How to buy auto insurance

There are several ways to shop for auto insurance, but some are less time-consuming than others. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can stay home and use the internet to get pricing more quickly.

Most of the best insurance companies enroll in a system that enables customers to enter their policy data once, and every company provides a quote based on the submitted data. This eliminates the need for repetitive form submissions for every auto insurance company.

To submit your quote information now, click here to open in new window.

The only downside to using this type of system is you can’t choose the providers to get pricing from. So if you prefer to choose specific providers for rate comparison, we put together a list of companies who write auto insurance in your area. Click here to view list.

Take whichever approach you prefer, but make sure you compare nearly identical coverage limits and deductibles with each company. If each company quotes unequal deductibles or liability limits it will be very difficult to determine the best price for your Mercury Mariner.

Discounts for cheap car insurance rates

Buying car insurance is not cheap, but there may be some discounts that you may not know about. Most are applied when you quote, but occassionally some discounts must be requested specifically before you get the savings.

  • New Vehicle Savings – Insuring a new car can get you a discount due to better safety requirements for new model year vehicles.
  • Air Bags and Passive Restraints – Options like air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.
  • Bundled Policy Discount – If you combine your auto and home policies with one insurance company you may earn at least 10% off all policies.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% for Mariner coverage as compared to drivers with claims.
  • Anti-lock Brake System – Vehicles with ABS and/or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Discount for Home Ownership – Owning a house may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Defensive Driver – Successfully completing a defensive driving class is a good idea and can lower rates and also improve your driving technique.
  • E-sign – Some companies will provide an incentive for buying your policy online.
  • Data Collection Discounts – Insureds that choose to allow companies to scrutinize vehicle usage by using a telematics device in their vehicle like Allstate’s Drivewise might get better premium rates if they are good drivers.

Discounts lower rates, but most discounts do not apply to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. Despite the appearance that adding up those discounts means a free policy, you won’t be that lucky.

The best car insurance companies and a summarized list of policyholder discounts are shown below.

  • State Farm offers discounts for student away at school, safe vehicle, multiple policy, defensive driving training, multiple autos, and Drive Safe & Save.
  • GEICO includes discounts for military active duty, five-year accident-free, multi-vehicle, federal employee, air bags, and seat belt use.
  • Liberty Mutual may offer discounts for exclusive group savings, newly retired, good student, multi-car, and newly married.
  • The Hartford offers discounts including vehicle fuel type, air bag, good student, driver training, and bundle.
  • MetLife policyholders can earn discounts including accident-free, good driver, defensive driver, multi-policy, good student, claim-free
  • Progressive has savings for online signing, continuous coverage, good student, homeowner, multi-policy, and multi-vehicle.

If you are trying to find the cheapest insurance coverage quotes, ask each company which credits you are entitled to. A few discounts might not be available to policyholders in your area. For a list of insurers that offer the discounts shown above, click here to view.

Tailor your insurance coverage to you

When choosing coverage, there is no cookie cutter policy. Each situation is unique so this has to be addressed. Here are some questions about coverages that could help you determine if you would benefit from professional advice.

  • Is a new car covered when I drive it off the dealer lot?
  • Can my teen drive my company car?
  • Is my trailer covered?
  • What vehicles should carry emergency assistance coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my camper covered by my car insurance policy?
  • What happens if I owe more than my 2006 Mercury Mariner is worth?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Specific coverages for a 2006 Mercury Mariner

Learning about specific coverages of car insurance helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types available from car insurance companies.

Coverage for collisions

This will pay to fix damage to your Mariner from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like crashing into a building, rolling your car 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 to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Mercury Mariner.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as prosthetic devices, X-ray expenses, EMT expenses, dental work and chiropractic care. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive car insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, hail damage, hitting a bird and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability

This coverage protects you from damages or injuries you inflict on other people or property in an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as bail bonds, repair bills for other people’s vehicles, loss of income and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy as large an amount as possible.