Cheaper 2010 Mercury Mariner Insurance Rates

Trying to find cheaper auto insurance rates for your Mercury Mariner? There isn’t anyone who anticipates paying for auto insurance, especially when they could find lower prices if they just compared rates. Insurance companies such as Allstate and Progressive persitently shower you with fancy advertisements and it is challenging if not impossible to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

How to compare free insurance coverage price quotes

Effectively comparing insurance coverage prices is a ton of work if you don’t utilize the fastest way to get free quotes. You could waste time driving to insurance agencies in your area, or you could use online quotes to quickly compare rates.

The majority of car insurance companies participate in a marketplace that allows shoppers to complete one form, and each company returns a competitive quote based on the submitted data. This system prevents you from having to do quotation requests to every company.

To find out what other companies charge click to open in new window.

One minor caviat to comparing rates this way is that you can’t choose which insurance companies you want to price. So if you want to select from a list of companies to receive pricing from, we have a page of low cost insurance coverage companies in your area. Click here to view list.

However you get your quotes, be sure to compare the same coverage data with every price quote. If you use different deductibles it will be very difficult to decipher which rate is best.

Insurance discounts help reduce rates

Car insurance can cost a lot, but you may qualify for discounts to cut the cost considerably. Some discounts apply automatically at the time of quoting, but occassionally some discounts must be inquired about prior to getting the savings.

• Use Seat Belts – Forcing all vehicle occupants to use their safety belts can save a little off PIP or medical payments premium.
• Multi-car Discount – Purchasing coverage when you have multiple cars with one company qualifies for this discount.
• No Charge for an Accident – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident before raising your premiums so long as you are claim-free prior to the accident.
• Life Insurance Discount – Larger insurance carriers have a small discount if you purchase a life policy as well.
• Discount for Home Ownership – Owning your own home or condo can get you a discount because of the fact that having a home is proof that your finances are in order.
• Save over 55 – Drivers that qualify as senior citizens could receive a small decrease in premiums on Mariner coverage.
• ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control can reduce accidents and earn discounts up to 10%.
• Discount for New Cars – Buying insurance on a new vehicle can save up to 30% since new vehicles have better safety ratings.
• College Student Discount – Youth drivers who are enrolled in higher education away from home and do not have access to a covered vehicle may be insured at a cheaper rate.
• Discount for Low Mileage – Low mileage vehicles could earn substantially lower premium rates.

Don’t be shocked that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. If you do the math and it seems like you could get a free insurance policy, insurance companies wouldn’t stay in business. Any qualifying discounts will definitely lower your premiums.

A few of the larger companies and their offered discounts are included below.

• Farmers Insurance may include discounts for electronic funds transfer, youthful driver, switch companies, good student, mature driver, and homeowner.
• Esurance may have discounts that include defensive driver, Switch & Save, homeowner, good student, paid-in-full, and anti-lock brakes.
• State Farm policyholders can earn discounts including multiple autos, passive restraint, student away at school, good student, safe vehicle, multiple policy, and anti-theft.
• GEICO has discounts for emergency military deployment, federal employee, seat belt use, anti-theft, multi-vehicle, and air bags.
• Allstate offers premium reductions for auto/life discount, passive restraint, good student, eSmart discount, and premier discount.

When comparing rates, check with each company or agent to give you their best rates. Discounts may not apply to policyholders in your state.

Which is the best insurance?

When it comes to choosing the best insurance coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help highlight if you would benefit from an agent’s advice.

• When should I remove comp and collision on my 2010 Mercury Mariner?
• Do I need more liability coverage?
• When should I not file a claim?
• Are my tools covered if they get stolen from my vehicle?
• Can I still get insurance after a DUI?
• How does medical payments coverage work?
• Should I waive the damage coverage when renting a car?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Auto insurance coverage specifics

Having a good grasp of your auto insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are the normal coverages available from auto insurance companies.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for immediate expenses for pain medications, hospital visits, doctor visits, dental work and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance – This can cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, court costs, attorney fees, medical expenses and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, falling objects, damage from a tornado or hurricane, hail damage and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision – This will pay to fix damage to your Mariner from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mercury Mariner.

Since many 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 very important.