2006 Mercury Mariner Car Insurance Rates

Want cheaper auto insurance rates for your Mercury Mariner? Nobody looks forward to buying auto insurance, particularly when the price is too high.

Lots of car insurance companies contend to insure your vehicles, so it can be very hard to choose a company and uncover the absolute lowest rate

You need to compare prices once or twice a year because prices change regularly. Just because you found the lowest rates on Mariner insurance two years ago you can probably find a better price now. So forget anything you know (or think you know) about auto insurance because I’m going to teach you the things you must know in order to remove unneeded coverages and save money.

The quickest way to get policy rate comparisons is to know most larger insurance companies pay for the opportunity to give rate comparisons. All consumers are required to do is take a few minutes to give details like marital status, how much coverage you want, daily mileage, and what your job is. Your details is instantly provided to all major companies and they return cost estimate within a short period of time.

Discounts can save BIG

Insuring your fleet can be pricey, but you may find discounts that many people don’t even know exist. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be asked about before you get the savings.

  • Service Members Pay Less – Having a deployed family member could mean lower rates.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. The good student discount can last up until you turn 25.
  • New Car Discount – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Paperless Signup – A handful of insurance companies will give a small break for buying your policy online.
  • Accident Forgiveness – A few companies allow you one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Early Signing – Some companies give discounts for switching policies prior to your current policy expiring. This can save 10% or more.
  • Low Mileage Discounts – Fewer annual miles on your Mercury can qualify you for discounted rates on garaged vehicles.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, companies don’t profit that way. Any amount of discount will cut the cost of coverage.

For a list of insurers who offer auto insurance discounts, click here to view.

Will just any policy work for me?

When it comes to choosing coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that could help you determine if you may require specific advice.

  • Should I have a commercial auto policy?
  • Is my teen driver covered when they drive my company car?
  • Does my insurance cover my expensive audio equipment?
  • Should I buy additional glass protection?
  • Should I bundle my homeowners policy with my auto?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered by my spouse’s policy after a separation?
  • At what point should I drop full coverage?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Factors influencing Mercury Mariner insurance rates

Smart consumers have a good feel for the factors that go into determining your car insurance rates. Understanding what impacts premium levels enables informed choices that may reward you with big savings.

Listed below are a few of the “ingredients” car insurance companies consider when setting rates.

  • Optional equipment can affect rates – Owning a car with a theft deterrent system can help bring down rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • Do you know you’re credit rating? – Having a bad credit score is a large factor in calculating your car insurance rates. Drivers who have good credit tend to be better drivers and file fewer claims than those with poor credit. If your credit is low, you could save money insuring your 2006 Mercury Mariner by improving your credit score.
  • Your occupation can affect rates – Occupations such as lawyers, business owners and accountants have higher rates than average in part from high stress and long work days. On the flip side, occupations like actors, athletes and retirees get better rates on Mariner insurance.
  • Do you need those extra coverages? – There are a ton of extra coverages you can purchase if you aren’t careful. Coverages like rental car reimbursement, better glass coverage and motor club memberships are some examples. They may seem good at first, but if you don’t need them get rid of them and save.

Auto insurance coverage options for a Mercury Mariner

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most auto insurance policies.

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as theft, damage from getting keyed, fire damage and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.


Liability insurance protects you from damage or injury you incur to other people or property. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like repair costs for stationary objects, structural damage and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage

This gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Mercury Mariner.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are set the same as your liablity limits.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like ambulance fees, X-ray expenses, pain medications, EMT expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

This covers damage to your Mariner resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, backing into a parked car, hitting a mailbox, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Smart consumers save more

Discount 2006 Mercury Mariner insurance can be purchased online and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

As you shop your coverage around, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where someone dropped full coverage only to find out that it was a big mistake. The proper strategy is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

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