2008 Mercury Mariner Insurance Quotes

Price shopping your auto insurance can be nearly impossible for consumers new to comparison shopping online. You have so many choices that it can quickly become a big hassle to locate the lowest price.

Consumers should take time to check auto insurance prices every six months because insurance rates are rarely the same from one policy term to another. Even if you think you had the lowest rates for Mariner insurance six months ago there may be better deals available now. Ignore everything you know about auto insurance because you’re about to learn one of the easiest ways to find great coverage at a great price.

The purpose of this post is to familiarize you with how to effectively get price quotes and some tips to save money. If you are paying for car insurance now, you will most likely be able to save some money using these techniques. But car owners should learn the methods companies use to market insurance on the web and use this information to your advantage.

Auto Insurance Comparisons

There are several ways of comparing rates and find the best price. The fastest way to find the cheapest 2008 Mercury Mariner insurance rates involves getting comparison quotes online. This can be done in a couple of different ways.

  • Probably the best way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This form prevents you from having to do a different quote for each company. One form gets rate comparisons from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
  • A more time consuming way to compare prices requires a visit to each company’s website to complete a price quote. For sake of this example, let’s say you want comparison quotes from State Farm, Liberty Mutual and Allstate. You would have to go to every website to input your insurance information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just make darn sure you compare identical coverages on every quote. If you enter different values for each quote you will not be able to make a fair comparison for your Mercury Mariner. Quoting even small variations in coverage limits can mean a large discrepancy in price. It’s important to know that quoting more will increase your chances of finding better pricing.

These discounts can slash insurance rates

Insuring your fleet can be pricey, but companies offer discounts that you may not know about. Some trigger automatically when you quote, but less common discounts must be specifically requested in order for you to get them.

  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less for Mariner insurance than drivers with accident claims.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for Mariner insurance with certain companies.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.

A little note about advertised discounts, many deductions do not apply the the whole policy. Some only apply to individual premiums such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, you’re out of luck. But all discounts will cut your premiums.

To see a list of insurance companies offering insurance discounts, click here.

When might I need the advice of an agent?

When it comes to buying the best insurance coverage coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether or not you would benefit from an agent’s advice.

  • Do I need motorclub coverage?
  • What is roadside assistance coverage?
  • Do I pay less for low miles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What can I do if my company denied a claim?
  • Does medical payments coverage apply to all occupants?
  • What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Complexity of Mercury Mariner insurance rates

Consumers need to have an understanding of the different types of things that play a part in calculating car insurance rates. When you know what positively or negatively influences your rates enables informed choices that will entitle you to lower car insurance prices.

Shown below are some of the factors car insurance companies consider when setting prices.

  • Bad driving skills means higher rates – A bad driving record has a big impact on rates. Good drivers receive lower rates than bad drivers. Just one citation can increase rates forty percent or more. If you have serious violations such as DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Don’t cancel a policy without a new one in place – Driving without insurance can get your license suspended and as a result your rates will increase for letting your insurance expire. Not only will rates go up, failure to provide proof of insurance may earn you a steep fine or even jail time.You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Don’t sacrifice liability coverage – The liability section of your policy provides coverage if ever a jury decides you are liable for damages caused by your negligence. Liability provides for a legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • Increase deductibles and save – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Mercury. Some examples of claims that would be covered are a windshield shattered by a rock, collision with an animal, and burglary. Your deductibles are how much you are required to spend if you file a covered claim. The more the insured has to pay upfront, the lower your rates will be for Mariner insurance.
  • Small claims can cost you – If you frequently file small claims, you can definitely plan on higher rates. Car insurance companies generally give lower rates to policyholders who do not file claims often. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Poor credit can mean higher rates – A driver’s credit history is a big factor in calculating your car insurance rates. If your credit score is not that good, you could potentially save money when insuring your 2008 Mercury Mariner by repairing your credit. People with good credit tend to be more responsible than drivers who have lower credit scores.
  • Car features impact rates – Driving a car with a theft deterrent system can help lower your rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.

The fine print in car insurance ads

Car insurance providers like State Farm and Allstate regularly use ads on television and other media. They all have a common claim of big savings if you move to them. How does each company make the same claim?

Different companies have a preferred profile for the right customer that is profitable for them. An example of a preferred risk could possibly be between 25 and 40, a clean driving record, and drives newer vehicles. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Drivers who are not a match for this ideal profile will be quoted a more expensive rate and ends up with business not being written. The ads state “drivers who switch” not “everybody who quotes” save that much. That’s the way insurance companies can advertise the savings.

This emphasizes why it’s extremely important to get as many quotes as possible. It’s not possible to predict which insurance companies will provide you with the cheapest Mercury Mariner insurance rates.

Car insurance coverages for a 2008 Mercury Mariner

Understanding the coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense insurance – Med pay and PIP coverage pay for bills for funeral costs, X-ray expenses and hospital visits. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a deer and damage from getting keyed. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers – This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mercury Mariner.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for liability – Liability coverage will cover injuries or damage you cause to a person or their property in an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as legal defense fees, structural damage, loss of income, funeral expenses and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Collision coverages – This coverage will pay to fix damage to your Mariner caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like rolling your car, scraping a guard rail, sideswiping another vehicle, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Final considerations

When trying to cut insurance costs, never buy poor coverage just to save money. There have been many cases where an insured cut uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

In this article, we covered a lot of tips how to reduce 2008 Mercury Mariner insurance prices online. The key thing to remember is the more providers you compare, the better your comparison will be. Drivers may discover the most savings is with the least-expected company.

Insureds switch companies for any number of reasons including extreme rates for teen drivers, policy non-renewal, unfair underwriting practices and lack of trust in their agent. Regardless of your reason, finding a great new company can be easier than you think.

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