Cheap 2010 Mercury Mariner Car Insurance Quotes

Are you tired of scraping the payment together each month for car insurance? You are no different than many other drivers. With so many choices of insurance companies, it can be challenging to pick the lowest cost company.

It is always a good idea to compare prices once or twice a year since insurance rates are adjusted regularly by insurance companies. Even if you think you had the best rates on Mariner coverage a couple years back you will most likely find a better rate today. Block out anything you think you know about insurance because you’re about to find out how to use the internet to find great coverage at a great price.

The quickest method we recommend to compare insurance rates in your area is to know the fact most larger insurance companies provide online access to quote your coverage. All consumers are required to do is spend a couple of minutes providing details including how much school you completed, how you use your vehicles, if the vehicle is leased, and if you require a SR-22. That information gets sent immediately to all major companies and they return quotes with very little delay.

How to save on 2010 Mercury Mariner insurance

Car insurance companies don’t always list every discount very clearly, so here is a list both well-publicized as well as the least known auto insurance savings. If you’re not getting every credit available, you are throwing money away.

  • No Charge for an Accident – A handful of insurance companies allow you one accident without raising rates if your claims history is clear for a set time period.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you may earn 10% to 20% off each policy.
  • Discount for Life Insurance – Some companies give better rates if you take out life insurance.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Defensive Driver – Completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.

Consumers should know that most discount credits are not given to the entire policy premium. Most cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck.

A partial list of companies that possibly offer some of the above discounts include:

It’s a good idea to ask every prospective company how you can save money. Savings may not be available everywhere.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions might point out if you would benefit from professional advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered by my spouse’s policy after a separation?
  • When should my teen driver be added to my policy?
  • What is covered by UM/UIM coverage?
  • Am I covered if I wreck a rental car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • I don’t drive much so do I pay less?
  • Why am I required to buy liability insurance?
  • Do I need an umbrella policy?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Mercury Mariner premiums are determined by many factors

Consumers need to have an understanding of the rating factors that go into determining the price you pay for car insurance. Understanding what impacts premium levels helps enable you to make changes that can help you get better car insurance rates.

  • Rates may be higher depending on your occupation – Did you know your job can affect your rates? Occupations like real estate brokers, executives and financial analysts are shown to have higher average rates because of high stress and long work days. Conversely, jobs such as scientists, engineers and homemakers pay the least on Mariner coverage.
  • Traffic violations increase rates – Even one citation can increase rates by as much as thirty percent. Good drivers have lower premiums than bad drivers. If you have serious violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with the DMV in their state in order to continue driving.
  • Higher deductibles cost less – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Mercury from damage. Examples of covered claims are colliding with a building, vandalism, and burglary. The deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more expense you’re willing to pay, the bigger discount you will receive on Mariner coverage.
  • Safer cars cost less to insure – Safer cars get lower rates. These vehicles protect occupants better and fewer injuries means less money paid by your insurance company and thus lower rates. If the Mercury Mariner is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Pleasure use or commuting – Driving more miles every year the higher your rate. Most companies charge to insure your cars based upon how you use the vehicle. Cars and trucks not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your car insurance coverage shows the proper vehicle usage. If your policy improperly rates your Mariner may be costing you.
  • Pay less after the wedding – Having a spouse can get you a discount on car insurance. It is viewed as being more responsible and statistics show being married results in fewer claims.
  • Bundling policies can get discounts – Some car insurance companies will award you with lower prices to people who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to comparison shop to verify if the discount is saving money.
  • Where you live is a factor – Choosing to live in small towns and rural areas can save you money when insuring your vehicles. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers in populated areas regularly have traffic congestion and much longer commute distances. Higher commute times translates into higher accident risk.

Do drivers who switch really save $468 a year?

Consumers can’t get away from ads that promise big savings from the likes of Geico, State Farm and Progressive. All the ads make the same claim that you’ll save big after switching your coverage to them.

How do they all make almost identical claims?

All companies have a preferred profile for the type of driver they prefer to insure. An example of a profitable customer might be over the age of 50, has no driving citations, and chooses high deductibles. A propective insured who matches those parameters is entitled to the best price and as a result will probably save when they switch companies.

Potential customers who don’t meet the “perfect” profile will be charged a more expensive rate which leads to the driver buying from a lower-cost company. The ads say “customers who switch” not “people who quote” save that kind of money. This is how companies can truthfully advertise the savings. That is why it is so important to get as many comparisons as possible. You cannot predict the company that will have the lowest Mercury Mariner insurance rates.

What insurance coverages do you need?

Having a good grasp of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, a broken windshield, fire damage and rock chips in glass. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 2010 Mercury Mariner.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses for things like chiropractic care, X-ray expenses, hospital visits, nursing services and EMT expenses. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like colliding with a tree, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Liability

Liability coverage will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like repair costs for stationary objects, attorney fees, pain and suffering and court costs. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Knowledge is power

In this article, we covered some good ideas how to lower your 2010 Mercury Mariner insurance rates. The most important thing 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 rates come from some of the smallest insurance companies. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like State Farm or Progressive.

When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits only to discover later they didn’t have enough coverage. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.

Additional detailed information is located at these sites: