Save on 2011 Mercury Mariner Insurance Quotes

Nobody fancies paying their premiums for insurance coverage, especially knowing they could find lower prices if they just compared rates.

Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly bombard you with ad campaigns and it is difficult to ignore the propoganda and effectively compare rates to find the best deal.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this strategy. Finding affordable coverage is not rocket science. But vehicle owners must comprehend the way companies compete online and take advantage of how the system works.

Compare car insurance rates

To find low cost quotes, there are a couple of ways to obtain and compare prices from many different insurance companies. The simplest method to comparison shop is simply to get online rate quotes. It is quite easy and can be accomplished using a couple different methods.

  1. The most efficient way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This easy form prevents you from having to do separate quotes for every car insurance company. One quote request will return quotes from many national carriers.
  2. A harder way to get quotes online consists of visiting the website for every company you want to comare and complete a new quote form. For instance, let’s say you need rates from GEICO, Esurance and State Farm. To find out each rate you need to go to every website and repeatedly enter your information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

How you compare quotes is your choice, just double check that you are using apples-to-apples coverages and limits on every quote you get. If you enter mixed coverages it’s not possible to make a fair rate comparison. Slightly different coverages could throw off the whole comparison. Keep in mind that having more price comparisons helps improve the odds of finding a lower rate. Some smaller insurers to not give price estimates online, so you should also compare price estimates on coverage from those companies, too.

Ads can be misleading

Companies like State Farm, Allstate and GEICO regularly use ads on TV and radio. All the companies make an identical promise about savings if you move to their company. But how can every company make almost identical claims? Here is how they do it.

All companies have specific criteria for the driver they prefer to insure. A good example of this type of risk profile might be described as a married male, has a low-risk occupation, and has a short commute. A propective insured who fits those characteristics will qualify for the lowest prices and as a result will probably pay quite a bit less when switching companies.

Potential customers who are not a match for the ideal profile may be required to pay higher premiums with the end result being the customer buying from a different company. Company advertisements say “people who switch” not “all people who quote” can save as much as they claim. That’s the way companies can truthfully advertise the way they do. That is why you really need to quote coverage with many companies. It is impossible to predict which company will have the best premium rates for your profile.

Why your insurance premiums might be higher

It’s important that you understand the factors that help determine the price you pay for insurance coverage. When you understand what controls the rates you pay, this allows you to make educated decisions that can earn you cheaper rates.

The itemized list below are some of the items companies use to determine your rates.

  • Infrequent drivers can save – The more you drive annually the higher the price you pay to insure it. Many insurance companies calculate prices based upon how you use the vehicle. Cars left parked in the garage qualify for better rates than vehicles that are driven to work every day. Ask your agent if your policy is rated on the correct usage for each vehicle, because improper ratings can cost you money. A policy that improperly rates your Mariner can result in significantly higher rates.
  • Claim-free discounts can add up – Companies give discounts to insureds that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can pretty much guarantee either higher rates or even cancellation. Your car insurance is designed for claims that pose a financial burden.
  • Rates also based on gender – Statistics demonstrate females are less aggressive when driving. However, this does not mean women are BETTER drivers than men. Both genders cause accidents at a similar rate, but males tend to have higher claims. Men also tend to get higher numbers of serious violations such as DWI and reckless driving. Young males are most likely to cause an accident so they pay the highest premiums.
  • Low coverage deductibles cost more – Physical damage protection, also known as collision and other-than-collision, helps pay for damage to your vehicle. Some instances where coverage would apply would be collision with another vehicle, hail damage, or theft. The deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance for Mariner coverage.

Discounts for affordable insurance rates

Insurance is not inexpensive, but you may find discounts that many people don’t even know exist. Certain discounts will be applied when you get a quote, but some discounts are required to be inquired about prior to getting the savings.

  • Drive Safe and Save – Safe drivers could pay up to 40% less for Mariner coverage compared to rates paid by drivers with frequent claims.
  • No Claims – Drivers with accident-free driving histories pay less in comparison with accident-prone drivers.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid the installment charge.
  • Discounts for Government Workers – Active or former government employment can save as much as 8% for Mariner coverage with certain companies.
  • Passive Restraint Discount – Factory options such as air bags can get savings of up to 25% or more.
  • Lower Rates for Military – Being deployed in the military could qualify you for better insurance rates.
  • Policy Bundle Discount – If you combine your auto and homeowners policies with the same company you could earn a discount of up to 20% off your total premium.
  • Multi-line Discount – Larger insurance companies have better prices if you take out auto and life insurance together.
  • E-sign Discounts – Some of the larger companies provide a small discount get insurance over the internet.

It’s important to understand that some credits don’t apply to your bottom line cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you could get a free insurance policy, that’s just not realistic.

Popular insurance companies and some of the discounts are detailed below.

  • Travelers discounts include good student, continuous insurance, payment discounts, driver training, multi-car, and student away at school.
  • 21st Century has savings for automatic seat belts, student driver, 55 and older, teen driver, and early bird.
  • State Farm includes discounts for passive restraint, safe vehicle, Steer Clear safe driver discount, multiple autos, accident-free, and anti-theft.
  • GEICO may include discounts for multi-vehicle, air bags, seat belt use, defensive driver, anti-theft, and military active duty.
  • SAFECO may offer discounts for anti-theft, teen safety rewards, drive less, homeowner, accident prevention training, and safe driver.
  • AAA offers premium reductions for pay-in-full, multi-car, good driver, multi-policy, anti-theft, and good student.

Before purchasing a policy, check with every company the best way to save money. Depending on the company, some discounts may not apply to policyholders in your area. To find insurance companies who offer cheap insurance quotes, click here.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining whether you might need professional guidance.

  • What vehicles should carry emergency assistance coverage?
  • When would I need rental car insurance?
  • What if I owe more than I can insure my car for?
  • Am I insured when driving a different vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Are my friends covered when driving my car?
  • Am I covered when driving on a suspended license?
  • Will filing a claim cost me more?
  • What is medical payments coverage?
  • How much liability coverage do I need in my state?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

The coverage is in the details

Knowing the specifics of your policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Mercury Mariner.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses such as surgery, rehabilitation expenses, pain medications and EMT expenses. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people in an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like medical services, loss of income, bail bonds, emergency aid and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from a tornado or hurricane, vandalism and rock chips in glass. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

This will pay to fix damage to your Mariner from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like driving through your garage door, colliding with a tree, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Final thoughts

As you quote insurance, it’s a bad idea to reduce coverage to reduce premium. In many instances, an insured dropped collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase a proper amount of coverage at the best price while still protecting your assets.

We covered some good ideas how you can reduce 2011 Mercury Mariner insurance car insurance rates online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the best car insurance rates are with an unexpected company. These companies may only write in your state and offer lower premium rates than their larger competitors like Progressive and GEICO.

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