How Much Does 2008 Mercury Mariner Car Insurance Cost?

Want the cheapest insurance rates for your Mercury Mariner? Trying to find the cheapest insurance for a new or used Mercury Mariner can be an all-consuming task, but you can follow our insurance buying tips to make it easier. There is a right way and a wrong way to find insurance online and you need to know the best way to price shop coverage for your Mercury and locate the lowest price.

Consumers need to compare premium rates as often as possible because insurance prices go up and down regularly. If you had the best deal on Mariner insurance last year other companies may now be cheaper. Forget all the misinformation about insurance because you’re about to find out how to quote online to eliminate unnecessary coverages and save money.

Finding the best rates is not rocket science. If you have a current insurance policy or are looking for a new policy, you can use these tips to shop for the lowest rates while maximizing coverage. Vehicle owners just need to know the most efficient way to get comparison rates on the web.

Compare quotes for auto insurance

Most larger insurance companies like State Farm, Allstate and GEICO allow you to get insurance quotes on the web. Getting online quotes is fairly straightforward as all you need to do is type in your required coverages on the page. Once you submit the form, the quote system makes automated requests for your driving and credit reports and returns a price.

This makes it a lot easier to compare rates but the time required to go to different websites and fill out multiple forms gets old quite quickly. But it’s very important to do this if you are searching for the best price possible.

There is an easier way to compare rates

The smarter way to get multiple rate quotes uses one simple form to get prices from multiple companies. This type of form saves time, eliminates form submissions, and makes online shopping much easier. Immediately after you send the form, your coverage is rated and you can choose any or none of the quotes that you receive. If a lower price is quoted, you can simply submit the application and buy the new coverage. It only takes a few minutes and you’ll know if lower rates are available.

In order to compare rates now, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you replicate your coverages exactly as shown on your declarations page. This ensures you will be getting comparison quotes using the exact same coverages.

You may qualify for discounts

Companies do not advertise every possible discount in an easy-to-find place, so we researched some of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy insurance coverage online. If you do not check that you are getting every discount available, you are not getting the best rate possible.

Discounts for Responsible Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on Mariner insurance than drivers with accidents.
College Student Discount – College-age children who are attending college and won’t have access to an insured vehicle may be able to be covered for less.
Renewal Discounts – Select car insurance companies give a discount for renewing your policy prior to the expiration date on your current policy. Ten percent is about the average savings.
Employee of Federal Government – Federal government employees could provide a small rate reduction on Mariner insurance with some car insurance companies.
Good Student – Being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.
Theft Deterent – Anti-theft and alarm system equipped vehicles are less likely to be stolen and can earn a small discount on your policy.

Just know that most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, it’s just not the way it works.

For a list of companies offering car insurance discounts, click here.

There’s no such thing as the perfect auto insurance policy

When it comes to choosing the right insurance coverage, there really is no cookie cutter policy. Every situation is different.

For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

How can I find cheaper teen driver insurance?
Do I have any recourse if my insurance company denies a claim?
Should I sign the liability waiver when renting a car?
Can my babysitter drive my car?
Is business property covered if stolen from my car?
What if I owe more than I can insure my car for?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Insurance coverages 101

Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Mercury Mariner.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, theft and vandalism. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with another moving vehicle, backing into a parked car, colliding with a tree, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses for things like rehabilitation expenses, nursing services, ambulance fees and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Liability coverage

Liability coverage will cover damage that occurs to people or other property in an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as structural damage, emergency aid, legal defense fees and bail bonds. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.