2009 Mercury Mariner Insurance Rates

Trying to find lower auto insurance rates for your Mercury Mariner? Have you fallen victim to overpriced auto insurance? Believe me when I say you are not the only one feeling buyer’s remorse. Many insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest rate possible.

You should take the time to price shop coverage quite often since rates change quite often. Despite the fact that you may have had the best rates for Mariner insurance six months ago a different company probably has better rates today. So ignore everything you know about auto insurance because you’re going to get a crash course in the fastest and easiest way to save money, get proper coverage and the best rates.

If you have a current insurance policy or need a new policy, you will benefit by learning to cut your premiums while maximizing coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to know the proper way to compare company rates online.

Save big with these discounts

Car insurance companies don’t necessarily list all available discounts very well, so the following is a list of both the well known and the harder-to-find savings tricks you should be using. If you don’t get every credit possible, you’re just leaving money on the table.

  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. This discount can apply up to age 25.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Mariner insurance than drivers with accidents.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Life Insurance – Some companies give better rates if you take out life insurance.
  • Government Employees – Active or retired federal employment can save as much as 8% for Mariner insurance depending on your company.
  • Distant Student – Youth drivers who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
  • Drive Less and Save – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Some only reduce individual premiums such as comp or med pay. Even though it may seem like you could get a free car insurance policy, it doesn’t quite work that way.

For a list of insurance companies offering car insurance discounts, follow this link.

But I don’t know anything about car insurance

When choosing proper insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that These are some specific questions may help highlight whether your personal situation could use an agent’s help.

  • Will my rates increase for filing one claim?
  • What can I do if my company won’t pay a claim?
  • What is the ISO rating for a 2009 Mercury Mariner?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can my babysitter drive my car?
  • Am I covered when driving a rental car?
  • Do I need added coverage for expensive stereo equipment?
  • Is there coverage for injuries to my pets?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Specifics of your insurance policy

Learning about specific coverages of a insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages available from insurance companies.

Comprehensive coverage

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, theft, damage from getting keyed and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Mercury Mariner.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses such as prosthetic devices, doctor visits and funeral costs. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

Collision insurance pays for damage to your Mariner resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sustaining damage from a pot hole, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Auto liability

Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against claims from other people, and 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 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as court costs, attorney fees and funeral expenses. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Online plus local equals savings

We’ve covered quite a bit of information on how to compare 2009 Mercury Mariner insurance prices online. The key concept to understand is the more quotes you get, the better your comparison will be. Consumers could even find that the best price on car insurance is with some of the smallest insurance companies. Smaller companies can often provide lower rates in certain areas than their larger competitors like State Farm and Allstate.

While you’re price shopping online, you should never buy poor coverage just to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find at an affordable rate while still protecting your assets.

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