Cheaper 2007 Mercury Mariner Hybrid Insurance Rates

Looking for better insurance coverage rates for your Mercury Mariner Hybrid? Getting the cheapest insurance coverage over the internet may seem to be somewhat intimidating for consumers that are relatively new to shopping for insurance on the web. With a ridiculous number of insurers available, how can consumers effectively compare every one to find the cheapest price possible?

Finding the best rates is quite easy. If you currently have a car insurance policy, you should be able to save some money using this strategy. Nevertheless, drivers must understand the methods companies use to sell insurance online.

Ways to get insurance coverage quotes

There are a lot of ways to shop for insurance coverage, but one way is more efficient than others. You can waste a few hours (or days) driving to local insurance agents in your area, or you can utilize online quoting to get rates in a matter of minutes.

All the larger companies belong to a marketplace where insurance shoppers submit their information once, and at least one company can give them a price based on that information. This eliminates the need for form submissions for every insurance coverage company. To compare rates now click here to start a free quote.

One minor caviat to using this type of system is you are unable to specify which providers you will receive quotes from. So if you want to choose individual companies to compare prices, we put together a list of the cheapest insurance coverage companies in your area. Click to view list.

Compare rates however you want, just make sure you use exactly the same coverages and limits for each comparison quote. If you compare different limits and deductibles on each one it will be next to impossible to determine which company has the best rates. Slightly different coverage limits can make a big difference in price. Just remember that comparing more rates from different companies will enable you to find more affordable insurance. Some regional insurers cannot provide price estimates online, so you also need to get price quotes from them, too.

Insurance policy discounts you can’t miss

Companies offering auto insurance do not list every available discount very well, so below is a list some of the best known in addition to some of the lesser obvious credits available to you.

  • Pay Early and Save – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Accident Free – Claim-free drivers pay less as compared to drivers with a long claim history.
  • Anti-lock Brakes – Cars, trucks, and SUVs equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Low Miles Discount – Maintaining low annual mileage could earn lower premium rates on the low mileage vehicles.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.

Please keep in mind that most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like all the discounts add up to a free policy, you aren’t that lucky.

If you would like to view companies that have a full spectrum of discounts, click this link.

Insurance agents can help

When it comes to choosing proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is unique.

For example, these questions may help you determine if you could use an agent’s help.

  • Do I really need UM/UIM coverage?
  • Is a blown tire covered by insurance?
  • When should I buy a commercial auto policy?
  • When would I need additional glass coverage?
  • Should I bundle my homeowners policy with my auto?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my custom paint covered by insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance coverage breakdown

Learning about specific coverages of your auto insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverages – This coverage pays for damage to your Mariner Hybrid caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like driving through your garage door, hitting a mailbox, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, theft, fire damage, hitting a deer and rock chips in glass. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance – This coverage protects you from damage or injury you incur to other people or property in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like loss of income, repair costs for stationary objects, medical expenses, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like surgery, chiropractic care, pain medications, dental work and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Mercury Mariner Hybrid.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.