2009 Mercury Mariner Hybrid Car Insurance Cost

Trying to find lower insurance rates for your Mercury Mariner Hybrid? Feel like you’re a prisoner to overpriced insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse. Insurance companies such as Allstate, Progressive and Geico constantly bombard you with advertising and it is difficult to ignore the propoganda and find the best price available.

If you are insured now or are just looking to switch companies, you can use this information to reduce the price you pay and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers only need an understanding of the best way to shop for insurance on the web.

The best way to compare insurance rates in your area is to know the trick auto insurance companies actually pay money for the chance to give free rates quotes. The only thing you need to do is provide a small amount of information including if your license is active, how many miles driven, driver ages, and level of coverage desired. The data is sent automatically to many highly-rated insurers and you receive quotes with very little delay.

To compare multiple company rates now, click here and find out if lower rates are available.

Best discounts on Mercury Mariner Hybrid coverage

Companies that sell car insurance do not list all available discounts in an easy-to-find place, so we break down both well-publicized and also the lesser-known car insurance savings. If they aren’t giving you every credit available, you are paying more than you should be.

Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
Multiple Policy Discount – If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
Own a Home – Simply owning a home can save you money because of the fact that having a home shows financial diligence.
Multi-car Discount – Insuring more than one vehicle on one policy can get a discount on all vehicles.
Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way.

For a list of insurers with discount car insurance rates, follow this link.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might point out if your insurance needs may require specific advice.

Can I rate high risk drivers on liability-only vehicles?
Is motorclub coverage worth it?
Will filing a claim cost me more?
Is extra glass coverage worth it?
Where can I find DUI or SR-22 insurance?
Do I get a pro-rated refund if I cancel my policy early?
Do I really need UM/UIM coverage?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Insurance policy specifics

Knowing the specifics of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2009 Mercury Mariner Hybrid.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage

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

Collision insurance covers claims such as crashing into a building, crashing into a ditch, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Liability coverage

Liability insurance can cover injuries or damage you cause to people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against claims such as legal defense fees, medical services, loss of income, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Medical expense coverage

Coverage for medical payments and/or PIP pay for immediate expenses for prosthetic devices, surgery, rehabilitation expenses and funeral costs. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a deer, vandalism and falling objects. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.