2011 Mercury Mariner Hybrid Insurance Rates

Have you fallen victim to an underperforming, overpriced insurance coverage policy? It’s a common feeling and there are many drivers thinking the same thing. Vehicle owners have so many insurance companies to buy insurance from, and even though it’s nice to be able to choose, it can be more difficult to find the lowest cost provider.

It’s a good habit to compare premium rates at least once a year since insurance prices tend to go up over time. Just because you had the best deal for Mariner Hybrid insurance at your last renewal you can probably find a better premium rate now. You can find a lot of misleading information regarding insurance coverage out there, but we’re going to give you some of the best techniques to put money back in your pocket.

Shop car insurance online

Cutting your car insurance rates doesn’t have to be difficult. You just need to spend a few minutes comparing rate quotes online with multiple companies. This can easily be done by following the guidelines below.

One of the best ways to get quotes for comparison is to use a rate comparison form (click to open form in new window). This form prevents you from having to do separate quote forms for every company. One form submission will return price quotes from all major companies.

A slightly less efficient method to get quotes online is to take the time to go to the website for each individual company and complete a new quote form. For instance, let’s assume you want rates from Allstate, 21st Century and GEICO. In order to get each rate, you would have to navigate to each company’s site and enter your information, which can get old fast. For a list of companies in your area, click here.

The least efficient method to find and compare rates is driving around to and from local insurance agencies. The ability to get quotes online eliminates this option unless you’re the type of person who wants the trained advice of an agent trained in personal lines coverage. Although, it is possible compare online quotes but buy the policy through an agent.

It’s up to you which method you use, but make sure you are using exactly the same deductibles and coverage limits on every quote. If you compare different data it’s impossible to truly determine the lowest rate.

Get affordable insurance with discounts

Car insurance companies don’t always list all disounts very clearly, so below is a list a few of the more well known as well as some of the hidden discounts you could be receiving when you buy insurance coverage online.

  • Defensive Driving Course – Taking part in a driver safety class is a good idea and can lower rates and make you a better driver.
  • Senior Citizens – Mature drivers can possibly qualify for a discount up to 10% for Mariner Hybrid insurance.
  • Anti-lock Brakes – Vehicles with ABS braking systems or traction control are safer to drive and therefore earn up to a 10% discount.
  • Discount for New Cars – Buying insurance on a new vehicle can be considerably cheaper due to better safety requirements for newer vehicles.
  • Active Service Discounts – Being deployed with a military unit could be rewarded with lower insurance rates.
  • Accident Forgiveness – Not really a discount, but a few companies such as Progressive, State Farm and GEICO will let one accident slide without raising rates with the catch being you have to be claim-free prior to the accident.
  • Own a Home – Owning a house may earn you a small savings because of the fact that having a home shows financial diligence.
  • Save with More Vehicles Insured – Drivers who insure all your vehicles on one policy can get a discount for every vehicle.
  • Professional Organizations – Being in specific professional or occupational memberships or organizations could trigger savings on your bill.

Just know that some of the credits will not apply the the whole policy. Most only reduce individual premiums such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, it doesn’t quite work that way.

Auto insurance companies that may include these money-saving discounts include:

If you are trying to find affordable insurance coverage quotes, ask every prospective company which discounts can lower your rates. Discounts may not apply to policies in your state.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might point out if you might need professional guidance.

  • Should I sign the liability waiver when renting a car?
  • What is the difference between comprehensive and collision coverage?
  • Do I need roadside assistance coverage?
  • How much liability coverage do I need in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I wreck a rental car?
  • Is my teen driver covered when they drive my company car?
  • When would I need additional glass coverage?

If you’re not sure about those questions then you might want to talk 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, doesn’t cost anything and you can get the answers you need.

Insurance coverage options for a Mercury Mariner Hybrid

Having a good grasp of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverage types found on the average insurance policy.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Mercury Mariner Hybrid.

Due to the fact that many 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 is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like backing into a parked car, scraping a guard rail, damaging your car on a curb, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, fire damage and damage from getting keyed. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses like EMT expenses, pain medications and nursing services. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance provides protection from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things such as attorney fees, legal defense fees, pain and suffering, court costs and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.