2008 Mercury Mariner Insurance Rates – 8 Policy Discounts

Nobody looks forward to paying for insurance, in particular when they are paying too much. Because you have many choices, it can be challenging to pick the best car insurance company.

Auto Insurance Comparisons

Finding cheaper 2008 Mercury Mariner auto insurance prices doesn’t have to be difficult. The only thing you need to do is spend a few minutes on the computer comparing rate quotes online with multiple companies. This can be done in a couple of different ways.

  • One of the simplest ways consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do repetitive form entry for each company. One form submission will get you price quotes from many national carriers.
  • A harder way to shop for auto insurance online is to manually visit each company website and fill out their own quote form. For examples sake, we’ll assume you want to compare rates from Liberty Mutual, Farmers and Allstate. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

Whichever way you use, make absolute certain that you use the exact same quote information with each company. If you are comparing unequal deductibles or liability limits it’s not possible to make a fair comparison for your Mercury Mariner.

Don’t pay full price with these eight discounts

Insurance can cost an arm and a leg, but companies offer discounts to cut the cost considerably. A few discounts will automatically apply when you get a quote, but some must be specifically requested before they will apply. If you aren’t receiving every discount possible, you are throwing money away.

  • Discount for Swiching Early – Select companies give a discount for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Sign Online – A few companies may give you up to $50 for buying your policy on their website.
  • College Student – Youth drivers living away from home attending college and don’t have a car may be able to be covered for less.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount for Mariner coverage with select insurance companies.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.

It’s important to note that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like you can get free auto insurance, it doesn’t quite work that way. Any qualifying discounts will help reduce the cost of coverage.

To see a list of insurers offering insurance coverage discounts, click here to view.

Your personal situation dictates your coverage

When buying adequate coverage, there is no one size fits all plan. Each situation is unique so your insurance needs to address that. For instance, these questions could help you determine if your insurance needs may require specific advice.

  • Does car insurance cover theft of personal property?
  • Are split liability limits better than a combined single limit?
  • Do I need higher collision deductibles?
  • Should I put collision coverage on all my vehicles?
  • Is my nanny covered when driving my vehicle?
  • Does my 2008 Mercury Mariner need full coverage?
  • Who is covered when they drive my 2008 Mercury Mariner?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Car insurance specifics

Having a good grasp of car insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on most car insurance policies.

Liability auto insurance – Liability insurance protects you from damage or injury you incur to other’s property or people in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like pain and suffering, loss of income, funeral expenses and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision – Collision coverage will pay to fix damage to your Mariner resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, backing into a parked car and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like prosthetic devices, doctor visits, funeral costs, chiropractic care and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverages – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hail damage, falling objects and damage from flooding. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

More effort can pay off

When trying to cut insurance costs, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at the best price.

We just covered quite a bit of information on how to lower your 2008 Mercury Mariner insurance rates. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the best price on insurance is with the least-expected company. Some small companies can often provide lower rates in certain areas compared to the large companies like Geico and State Farm.

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