2006 Mercury Mariner Car Insurance Cost – 10 Tips for Cheapest Prices

Nobody I know enjoys paying for insurance, in particular when their premiums are through the roof.

Many insurers vie for your hard-earned dollar, so it’s not easy to compare every insurer and get the best coverage at the best rates possible.

Consumers should take time to compare prices at least once a year due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you think you had the best price on Mariner coverage a couple years back you will most likely find a better rate today. So block out anything you think you know about insurance because you’re about to learn the proper way to remove unneeded coverages and save money.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. Finding affordable coverage is easy if you know what you’re doing. But consumers do need to know the way companies sell insurance online and use this information to your advantage.

How much can you save with these ten discounts?

Car insurance is not cheap, but there could be available discounts to reduce the price significantly. Most are applied at the time you complete a quote, but less common discounts must be requested specifically prior to receiving the credit.

  • No Accidents – Drivers who don’t have accidents pay less as compared to frequent claim filers.
  • Drivers Education – Require your teen driver to take driver’s ed class in school.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Mercury could qualify for discounted rates on garaged vehicles.
  • Safety Course Discount – Taking part in a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Multiple Cars – Insuring all your vehicles on one policy can get a discount on all vehicles.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% on Mariner coverage depending on your company.
  • Paperwork-free – Some insurance companies may give you up to $50 just for signing your application online.
  • 55 and Retired – If you’re over the age of 55, you may receive a discount up to 10% on Mariner coverage.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less on Mariner coverage than drivers with accident claims.
  • Auto/Home Discount – When you have multiple policies with one company you will save at least 10% off all policies.

Consumers should know that most discount credits are not given to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. Just because it seems like you could get a free car insurance policy, car insurance companies aren’t that generous. But all discounts will help reduce your premiums.

Insurance companies that may have these benefits are:

Double check with each company which discounts you may be entitled to. Savings might not apply in your state.

How much car insurance do I need?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can aid in determining if your situation might need an agent’s assistance.

  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I afford to buy a different vehicle if my 2006 Mercury Mariner is totaled?
  • Should I have combined single limit or split liability limits?
  • Do I have any recourse if my insurance company denies a claim?
  • Do all my vehicles need collision coverage?
  • Does insurance cover damages from a DUI accident?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Car insurance coverages for a 2006 Mercury Mariner

Having a good grasp of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types found on most insurance policies.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for hospital visits, prosthetic devices, X-ray expenses, chiropractic care and EMT expenses. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like vandalism, theft and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages

Liability coverage will cover damage that occurs to other people or property by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like structural damage, medical services and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, hitting a parking meter, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mercury Mariner.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually these limits are similar to your liability insurance amounts.

Make a quick buck

We just showed you a lot of ways to reduce 2006 Mercury Mariner insurance prices online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the most savings is with the least-expected company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, Geico and Nationwide.

Cheaper insurance can be sourced on the web as well as from independent agents, and you need to price shop both to have the best selection. Some insurance companies don’t offer online quoting and these smaller companies work with independent agents.

As you restructure your insurance plan, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice liability limits or collision coverage and discovered at claim time that the savings was not a smart move. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.

Additional insurance information is located on the following sites: