Cheap 2006 Mercury Mariner Hybrid Car Insurance Cost

Trying to find cheaper car insurance rates for your Mercury Mariner Hybrid? Finding the best price on car insurance can be difficult if you’ve never compared online quotes. Don’t let that stop you because comparing prices is actually very simple.

Pricing more affordable protection is easy if you know what you’re doing. Basically, every driver who shops for insurance will be able to lower their premiums. But vehicle owners need to have an understanding of how the larger insurance companies price insurance differently and apply this information to your search.

How to Compare Car Insurance Costs

Most major insurance companies provide price estimates on their websites. Getting online rates is quite easy as you just enter your required coverages as detailed in the form. After the form is submitted, their system sends out for your driving record and credit report and provides a quote.

Quoting online makes comparing rates easy, but the work required to visit many different websites and complete many quote forms gets old quite quickly. But it’s absolutely necessary to have as many quotes as possible if you are searching for the lowest possible prices on car insurance.

There is a better way to compare rates

The quickest way to find better car insurance pricing utilizes a single form to return rates from more than one company. This type of form saves time, requires much less work on your part, and makes price shopping online much more enjoyable and efficient. Immediately after submitting the form, it is quoted and you can select your choice of the price quotes you receive.

If a lower price is quoted, you can click and sign and purchase the new policy. The entire process takes less than 15 minutes and may save quite a bit of money.

To quickly get comparison pricing now, simply click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you duplicate the limits and deductibles as close as possible to your current policy. Doing this assures you are getting rate comparison quotes for similar insurance coverage.

Do car insurance companies bend the truth?

Companies like Allstate and Progressive consistently run television and radio advertisements. All the ads make the same claim of big savings if you change your coverage to them. How do they all claim to save you money?

Different companies can use profiling for the driver that is profitable for them. A good example of a profitable customer could be between 25 and 40, has no driving citations, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” receives the best rates and is almost guaranteed to save when they switch companies.

Potential insureds who are not a match for the “perfect” profile will be charged higher premiums and this can result in business not being written. Company advertisements say “people who switch” but not “drivers who get quotes” save money. That’s why companies can state the savings.

That is why you need to quote coverage with many companies. It is impossible to predict which company will fit your personal profile best.

Why your Mercury Mariner Hybrid insurance rates may be high

It’s important that you understand the factors that help determine insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that can help you get lower insurance prices.

  • Don’t buy coverages you don’t need – There are many extra bells and whistles that can waste your money on your insurance policy. Coverages like vanishing deductibles, accident forgiveness and motor club memberships are examples of these. They may seem like a good idea initially, but if you don’t need them get rid of them and save.
  • Pleasure use saves money – The more you drive each year the higher your rate. Most companies price each vehicle’s coverage based on their usage. Autos not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your insurance policy shows the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your Mariner Hybrid may be wasting your money.
  • Don’t cancel a policy without a new one in place – Driving without insurance is against the law and as a result your rates will increase for letting your insurance lapse. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a license revocation or jail time.You may need to prove you have insurance by filing a SR-22 with your state DMV.
  • Liability insurance protects assets – The liability section of your policy provides coverage if you are found liable for damages from an accident. Liability provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Tickets mean higher rates – Drivers who don’t get tickets get better rates than bad drivers. Just one citation can bump up the cost twenty percent or more. Drivers who have serious citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Do you qualify for a multi-policy discount? – Many companies provide better rates to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, you may still want to shop around to make sure you are getting the best deal. You may still find a better deal by buying insurance from more than one company.
  • An active claims history can cost you – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Auto insurance companies give cheaper rates to people who file claims infrequently. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.

Don’t miss these discounts

Insuring your fleet can be pricey, but you may find discounts that you may not even be aware of. A few discounts will automatically apply at the time of quoting, but a few must be asked about before you get the savings.

  • Passive Restraints – Cars that have air bags or motorized seat belts can get savings up to 30%.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance from them.
  • Paperwork-free – Certain companies give back up to $50 for buying a policy and signing up digitally online.
  • One Accident Forgiven – Some insurance companies permit an accident without raising rates if your claims history is clear for a set time period.
  • New Car Discount – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, insurance companies aren’t that generous. But any discount will bring down your overall premium however.

For a list of providers with the best insurance discounts, click here to view.

When might I need help?

When buying proper insurance coverage, there isn’t really a cookie cutter policy. Every situation is different.

For instance, these questions may help highlight if your insurance needs may require specific advice.

  • Am I covered if I wreck a rental car?
  • Who is covered by my policy?
  • Should I put collision coverage on all my vehicles?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered if I hit a deer?
  • I have good health insurance, so how much medical payments coverage do I need?
  • How can I get high-risk coverage after a DUI?
  • Is upholstery damage covered by car insurance?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Car insurance 101

Learning about specific coverages of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like hospital visits, surgery, nursing services and dental work. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay


Liability coverage provides protection from damage that occurs to people or other property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that means you have 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. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like repair costs for stationary objects, court costs, funeral expenses, loss of income and attorney fees. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Comprehensive protection

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as theft, hail damage, rock chips in glass and damage from getting keyed. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

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 should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage

This will pay to fix damage to your Mariner Hybrid resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, rolling your car, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

At the end of the day…

Cost effective 2006 Mercury Mariner Hybrid insurance can be found online in addition to many insurance agents, and you should be comparing both to have the best rate selection. Some auto insurance companies do not provide you the ability to get quotes online and these smaller companies work with independent agents.

We’ve covered a lot of ways to get a better price on insurance. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

When buying insurance coverage, you should never skimp on coverage in order to save money. There are too many instances where someone sacrificed uninsured motorist or liability limits and learned later that they should have had better coverage. The proper strategy is to buy enough coverage at the best price.

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