2007 Mercury Mariner Hybrid Insurance Quotes

Trying to find cheaper insurance rates? Buyers have many options when searching for the lowest priced Mercury Mariner Hybrid insurance. You can either spend your time struggling with agents to get rate comparisons or utilize the internet to find the lowest rates. There are both good and bad ways to buy insurance so we’re going to tell you the best way to quote coverages for your Mercury and obtain the lowest possible price either online or from local insurance agents.

It’s a good idea to take a look at other company’s rates every six months due to the fact that insurance rates are rarely the same from one policy term to another. Even if you got the lowest rates for Mariner Hybrid insurance a couple years back you can probably find a better price now. You’ll find quite a bit of inaccurate information about insurance online, so we’re going to give you some guaranteed methods to slash your insurance rates.

Discounts on Mercury Mariner Hybrid insurance

Companies don’t always list all available discounts in a way that’s easy to find, so we took the time to find some of the best known and the more hidden discounts you could be receiving. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off for Mariner Hybrid insurance with certain companies.
  • Sign Early and Save – Select companies give a discount for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company can get a discount on all vehicles.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Clubs and Organizations – Affiliation with a professional or civic organization could trigger savings when shopping for insurance for Mariner Hybrid insurance.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, companies wouldn’t make money that way.

For a list of insurers offering insurance discounts, click here to view.

Vehicle Insurance Comparison

There are several ways you can shop for Mercury Mariner Hybrid auto insurance and some are easier and takes less work. You can waste a lot of time talking to insurance companies in your area, or you could save time and use the web to quickly compare rates.

Most major companies participate in a marketplace where insurance shoppers send in one quote, and every company then returns a price quote based on that information. This eliminates the need for quote requests for each company.

To submit your quote information now, click here to start a free quote.

One minor caviat to using this type of form is that you can’t choose the insurers you want to price. So if you want to choose specific insurance companies to request quotes from, we have assembled a list of low cost auto insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using exactly the same coverage information for every company. If you use higher or lower deductibles you will not be able to make an equal comparison.

Impacting insurance rates for a Mercury Mariner Hybrid

Smart consumers have a good feel for some of the elements that help determine your car insurance rates. Understanding what impacts premium levels helps enable you to make changes that could result in better car insurance rates.

The following are some of the factors that factor into premiums.

  • Women pay lower rates – The statistics show women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. They both cause accidents at a similar rate, but men tend to have more serious accidents. Men also get cited for more serious violations like DUI and reckless driving.
  • High crash test scores lower rates – Safer cars are cheaper to insure. Safe vehicles protect occupants better and better occupant protection means lower claim amounts passed on to you as lower rates. If the Mercury Mariner Hybrid scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Traffic citations inflate rates – Good drivers have lower premiums than their less careful counterparts. Even a single speeding ticket can increase rates twenty percent or more. Drivers with dangerous tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
  • Liability coverage is peace of mind – The liability section of your policy is the coverage that protects you when you are found to be at fault for personal injury or accident damage. Liability provides for a legal defense starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
  • Extra coverages can waste money – There are many additional coverages you can purchase on your car insurance policy. Coverages for personal injury protection, better glass coverage and additional equipment coverage are some examples. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate them to save money.
  • Do you work long hours in a high stress job? – Did you know your car insurance rates can be affected by your occupation? Careers like judges, architects and accountants are shown to have higher rates than average in part from job stress and long work hours. On the flip side, occupations like pilots, athletes and homemakers pay the least for Mariner Hybrid insurance.
  • More people means more accidents – Living in small towns and rural areas can save you money when insuring your vehicles. Fewer people means reduced accidents. Urban drivers regularly have traffic congestion and much longer commute distances. Higher commute times means higher likelihood of an accident.

Tailor your coverage to you

When it comes to choosing the best insurance coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining whether or not you could use an agent’s help.

  • Do I need an umbrella policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my car insurance cover rental cars?
  • Is motorclub coverage worth it?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I rate my 2007 Mercury Mariner Hybrid as pleasure use or commute?
  • Am I covered if I hit my neighbor’s mailbox?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Can you really save $471 a year?

Consumers can’t get away from ads for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. They all seem to make the same claim that you’ll save big if you change your policy.

But how can every company make almost identical claims?

Insurance companies have a certain “appetite” for the driver that makes them money. An example of a desirable insured might be between the ages of 40 and 55, owns a home, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” is entitled to the best price and therefore will cut their rates substantially.

Potential insureds who don’t meet the “perfect” profile must pay a higher premium which usually ends up with business going elsewhere. Company advertisements say “customers that switch” but not “drivers who get quotes” save that kind of money. That’s why companies can truthfully state the savings. This illustrates why drivers should get quotes from several different companies. It’s impossible to know the company that will give you the biggest savings on Mercury Mariner Hybrid insurance.

Insurance coverage breakdown

Learning about specific coverages of insurance can be of help when determining which coverages you need for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring.

Coverage for collisions

This coverage will pay to fix damage to your Mariner Hybrid from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, crashing into a ditch, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from getting keyed and hail damage. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability insurance

This coverage protects you from damage that occurs to other people or property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for 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 values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like emergency aid, loss of income, repair costs for stationary objects and legal defense fees. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 2007 Mercury Mariner Hybrid.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage pay for bills for dental work, chiropractic care, ambulance fees, rehabilitation expenses and surgery. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Money doesn’t grow on trees

As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. In many instances, drivers have reduced physical damage coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to get the best coverage possible for the lowest price, not the least amount of coverage.

People switch companies for any number of reasons including questionable increases in premium, not issuing a premium refund, poor customer service or unfair underwriting practices. No matter why you want to switch, choosing a new insurance company is actually quite simple.

In this article, we presented some good ideas how you can lower your 2007 Mercury Mariner Hybrid insurance rates. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with a smaller regional carrier.

Additional detailed information can be read in the articles below: