How to Grab the Lowest Price When Insuring Your Mercury Mariner

I can’t think of anyone who cherishes buying car insurance, especially when their premiums are through the roof. Having so many online and local companies to choose from, it can be diffult for consumers to locate the lowest price provider.

Don’t miss out on these money-saving discounts

Companies offering auto insurance don’t always publicize every discount very clearly, so the following is a list of both the well known and also the lesser-known ways to save on car insurance. If you’re not getting every credit available, you are paying more than you should be.

Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% on Mariner coverage with certain companies.
Military Discounts – Being on active duty in the military may qualify for rate reductions.
Discount for New Cars – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
Claim Free – Claim-free drivers pay much less when compared to accident-prone drivers.
Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt could save 15% off your medical payments premium.

It’s important to note that most discount credits are not given to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way.

To choose insurers with the best car insurance discounts, click here to view.

Finding Car Insurance Deals

Comparing car insurance rates can be exhausting if you aren’t aware of the most efficient way. You could spend your day talking about coverages with local insurance agents in your area, or you can stay home and use the internet to get pricing more quickly.

All the larger companies enroll in a system where insurance shoppers complete one form, and each company then gives them pricing for coverage. This system prevents you from having to do quotation requests to each individual car insurance company.

To fill out one form to compare multiple rates now click here to start a free quote.

One minor caviat to comparing rates this way is buyers cannot specifically choose the providers to get quotes from. So if you prefer to pick specific providers to compare rates, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.

Whichever method you choose, compare exactly the same coverages for each comparison quote. If you use different limits and deductibles on each one it’s impossible to determine the best price for your Mercury Mariner.

Factors influencing Mercury Mariner insurance rates

Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for car insurance. Understanding what controls the rates you pay enables informed choices that will entitle you to better car insurance rates.

Cautious drivers pay less – Good drivers have lower premiums than people who have multiple driving citations. Just one moving violation can increase rates by as much as thirty percent. If you have severe violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
High credit ratings translate to low rates – Having a bad credit history is a large factor in calculating your car insurance rates. If your credit is not that good, you could pay less to insure your Mercury Mariner by improving your rating. Consumers who have excellent credit tend to be less risk to insure than those with lower credit scores.
High deductibles save money – Physical damage deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The more money you have to pay, the less your car insurance will be on Mariner coverage.
Your spouse saves you money – Having a wife or husband can actually save you money when buying car insurance. It means you’re more mature and responsible and it’s statistically proven that married couples file fewer claims.
Lower miles equals lower premium – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based upon how you use the vehicle. 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 car insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money. Incorrect usage on your Mariner may be wasting your money.
Rates may be lower depending on your job – Did you know that where you work can have an impact on rates? Jobs such as lawyers, social workers and dentists are shown to have the highest average rates attributed to stressful work requirements and long work hours. Other jobs such as scientists, historians and homemakers pay the least on Mariner coverage.
Protect yourself with liability coverage – Liability insurance is the protection in the event that you are found to be at fault for damages from an accident. Liability provides for a legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.

But I don’t know anything about car insurance

When choosing proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For example, these questions can help discover whether or not you will benefit from professional help. auto insurance

Will I be non-renewed for getting a DUI or other conviction?
Is my babysitter covered when using my vehicle?
Is a new car covered when I drive it off the dealer lot?
Why am I required to buy high-risk coverage?
Why am I required to get a high-risk car insurance policy?
Do I need special endorsements for business use of my vehicle?
Do all my vehicles need collision coverage?
How much liability do I need to cover my assets?
Where can I get insurance after a DUI in my state?
How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Buying car insurance from a local agent

A small number of people would rather sit down with an agent and there is nothing wrong with that. Good agents can help determine the best coverages and help submit paperwork. The biggest benefit of getting online price quotes is you may find the lowest rates and still have an agent to talk to.

Once you complete this short form, your information gets sent to participating agents who will compete for your business. There is no need to even leave your home as quotes are delivered to your email. It doesn’t get any easier!

Choosing an provider requires more thought than just the premium amount. Ask your prospective agent these questions:

What insurance companies do they recommend if they are an independent agent?
How often do they review policy coverages?
Is vehicle mileage a factor when determining depreciation for repairs?
Who is covered by the car insurance policy?
Do they receive special compensation for putting your coverage with one company over another?
What insurance companies do they work with?
What insurance company do they write the most business with?

What types of insurance agents are there?

When searching for a local agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Agents can either be independent or captive. Either one can do a good job, but it’s important to know how they are different because it can influence the type of agent you choose

Captive Agents

Captive agents write business for a single company like State Farm, AAA, Farmers Insurance or Allstate. They are unable to provide prices from multiple companies so they have no alternatives for high prices. Captives are well schooled on their company’s products which can be an advantage.

Independent Insurance Agents

Independent agencies are not employed by any specific company so they can insure your vehicles with lots of companies depending on which coverage is best. To transfer your coverage to a different company, the business is moved internally and that require little work on your part.

When comparison shopping, it’s recommended you include price quotes from at least one independent agent to ensure the widest selection of prices.

For a full directory of agents, click here.

Once you have positive responses and a low price estimate, you may have just found an insurance agency that will properly service your car insurance policy.

Don’t be fooled by advertising claims

Consumers constantly see and hear ads for car insurance savings from the likes of State Farm and Allstate. All the companies make an identical promise that you can save if you change your coverage to them.

But how can every company make the same claim? It’s all in the numbers.

All companies have a certain “appetite” for the driver that is profitable for them. A good example of a desirable insured could possibly be over the age of 50, a clean driving record, and drives less than 7,500 miles a year. A driver that hits that “sweet spot” gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who don’t measure up to the “perfect” profile will be quoted higher premiums which usually ends up with the customer not buying. The ad wording is “people who switch” not “everyone that quotes” save that much. This is how companies can make the claims of big savings. This emphasizes why you need to get a wide range of price quotes. It’s not possible to predict which insurance companies will fit your personal profile best.

Keep this in mind

We covered a lot of tips how to compare Mercury Mariner insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the best prices are with a company that doesn’t do a lot of advertising. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate and Progressive.

Budget-conscious Mercury Mariner insurance is definitely available from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some car insurance companies don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

When trying to cut insurance costs, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where an insured dropped liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at a price you can afford while still protecting your assets.