2009 Mercury Mariner Insurance Quotes

Searching for low-cost insurance for a Mercury Mariner could be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to find insurance coverage online so we’re going to tell you the quickest way to compare rates for a new or used Mercury and obtain the lowest possible price either online or from local insurance agents.

It’s a good idea to compare premium rates before your next renewal because prices are usually higher with each renewal. If you had the best price on Mariner coverage last year there is a good chance you can find better rates now. You can find a lot of misleading information regarding insurance coverage on the web, but we’re going to give you the easiest ways to lower your insurance coverage bill.

Don’t miss with these discounts

Buying insurance coverage is not cheap, but you might find some hidden discounts that may help make it more affordable. Certain discounts will be triggered automatically when you complete an application, but occassionally some discounts must be specially asked for prior to receiving the credit.

  • Resident Student – Kids who are attending college without a vehicle on campus could qualify for this discount.
  • Low Mileage – Low mileage vehicles may enable drivers to earn better prices on cars that stay parked.
  • Accident Waiver – but some companies like Progressive, Allstate, and GEICO will forgive one accident before they charge you more for coverage with the catch being you have to be claim-free for a particular time prior to the accident.
  • E-sign – Many companies may give you up to $50 for completing your application online.
  • Multi-car Discount – Drivers who insure several vehicles on one policy may reduce the rate for each vehicle.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower prices.
  • Responsible Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates on Mariner coverage as compared to drivers with claims.
  • Clubs and Organizations – Being in a professional or civic organization is a simple method to lower premiums on insurance coverage.

One last thing about discounts, many deductions do not apply to your bottom line cost. Most only cut the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But all discounts will cut the cost of coverage.

A list of insurance coverage companies and a selection of discounts are:

  • GEICO discounts include driver training, membership and employees, federal employee, defensive driver, and anti-theft.
  • MetLife may offer discounts for defensive driver, good driver, good student, multi-policy, claim-free, accident-free
  • Progressive has discounts for homeowner, online quote discount, online signing, multi-vehicle, and multi-policy.
  • Travelers may have discounts that include good student, continuous insurance, multi-policy, driver training, new car, and home ownership.
  • SAFECO policyholders can earn discounts including teen safety rewards, accident prevention training, safe driver, anti-theft, multi-car, and bundle discounts.
  • AAA offers premium reductions for education and occupation, multi-policy, AAA membership discount, pay-in-full, good student, and multi-car.

Check with every company which discounts can lower your rates. Depending on the company, some discounts may not be available in your area. To find insurance companies that can offer you the previously mentioned discounts, click here to view.

Affordable car insurance price quotes online

Getting a cheaper price on 2009 Mercury Mariner insurance can be surprisingly simple. You just have to take the time comparing price quotes to find. It’s super easy and can be done using a couple different methods.

  1. The easiest and least time consuming way to find low rates is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating boring form submissions for every car insurance company. One form submission gets you price quotes from many national carriers. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to find lower rates is spending the time to visit each company’s website and go through the quote process again. For example, let’s say you want rates from Progressive, State Farm and Allstate. To do that, you would have to visit each site to enter your coverage information, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just make sure you compare the exact same coverage limits and deductibles on every quote. If you have different deductibles you will not be able to make a fair rate comparison.

Informed drivers know how to find car insurance cheaper

Many different elements are part of the calculation when you quote your car insurance policy. Some factors are common sense such as traffic violations, although others are more obscure such as your marital status or your financial responsibility.

The items below are some of the most rate-impacting factors used by insurance companies to determine prices.

  • High deductibles save money – Deductibles for physical damage represent how much money you are required to spend if you file a covered claim. Physical damage protection, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of claims that would be covered would be a windshield broken by a bird, fire damage, and damage caused by road hazards. The more of the claim the insured is willing to pay, the less your company will charge you for insurance on Mariner coverage.
  • Your address can affect premiums – Residing in a rural area is a positive aspect when trying to find low car insurance rates. People in densly populated areas tend to have much more traffic and longer commute times. Fewer drivers and short commutes means reduced accidents.
  • Do you really need to file that insurance claims? – Auto insurance companies provide the best rates to drivers who are claim-free. If you tend to file frequent claims, you can look forward to increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Car insurance liability insurance limits – Liability coverage will provide protection if a court rules you are at fault for an accident. Liability insurance provides legal defense coverage to attempt to prove you were not liable. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Never allow your car insurance to lapse – Having a lapse in insurance coverage can be a quick way to increase your rates. Not only will you pay higher rates, failure to provide proof of insurance could earn you fines and jail time. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.

Your situation helps dictate your coverage

When buying the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions might help in determining whether or not you might need professional guidance.

  • What is no-fault insurance?
  • Should I carry comprehensive and collision coverage?
  • Are rental cars covered under my policy?
  • What is the difference between comprehensive and collision coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need PIP coverage since I have good health insurance?
  • Will my rates increase for filing one claim?
  • Does insurance cover damages from a DUI accident?
  • Should I buy full coverage?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance coverages for a Mercury Mariner

Learning about specific coverages of your insurance policy can help you determine the best coverages for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for collisions

This coverage will pay to fix damage to your Mariner resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as backing into a parked car, driving through your garage door, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as vandalism, damage from flooding and hail damage. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like pain medications, X-ray expenses, prosthetic devices, EMT expenses and chiropractic care. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Mercury Mariner.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Coverage for liability

This coverage will cover damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability 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 a limit of $100,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like funeral expenses, attorney fees, medical services and medical expenses. How much coverage you buy is your choice, but you should buy as much as you can afford.

Affordable insurance is out there

As you quote insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where someone dropped full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage at a price you can afford, but do not sacrifice coverage to save money.

Lower-priced 2009 Mercury Mariner insurance is possible on the web in addition to local insurance agencies, so you need to quote insurance coverage with both to have the best chance of lowering rates. There are still a few companies who may not have the ability to get a quote online and most of the time these regional carriers only sell coverage through independent insurance agencies.

You just learned many ideas to save on 2009 Mercury Mariner insurance. It’s most important to understand that the more you quote insurance coverage, the higher your chance of finding affordable insurance coverage. You may be surprised to find that the best premium rates are with a small local company.

More detailed auto insurance information is located in these articles: