2011 Mercury Mariner Car Insurance Rates – 7 Tricks for Cheaper Quotes

Looking for lower insurance rates for your Mercury Mariner? Have you fallen victim to high-priced insurance? Believe me when I say there are lots of people in the same boat. Many auto insurance companies vie to insure your vehicles, and it can be difficult to compare rates to discover the definitive lowest rate possible.

If you are insured now or are shopping for new coverage, you can use these techniques to find the best rates while maximizing coverage. Buying car insurance is not that difficult. Drivers just need to learn the best way to get comparison quotes over the internet.

Discounts mean cheaper 2011 Mercury Mariner insurance rates

Auto insurance companies don’t necessarily list every available discount in a way that’s easy to find, so we researched both well-publicized as well as the least known savings tricks you should be using. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Clubs and Organizations – Affiliation with a professional or civic organization could qualify you for a break on insurance on Mariner coverage.
  • No Accidents – Good drivers with no accidents can earn big discounts when compared with drivers who are more careless.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Homeowners Savings – Being a homeowner may trigger a insurance policy discount because maintaining a house is proof that your finances are in order.
  • Drive Less and Save – Driving fewer miles can earn discounted rates on garaged vehicles.

Keep in mind that most discount credits are not given the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck.

Companies that possibly offer some of the above discounts may include but are not limited to:

Double check with each company how you can save money. Some discounts might not apply everywhere.

How to Get Car Insurance Comparison Quotes

There are a variety of methods to compare 2011 Mercury Mariner car insurance prices but some are less time-consuming than others. You could spend the better part of a day driving to agents in your area, or you can stay home and use the internet to quickly compare rates.

Most of the best insurance companies participate in an industry program where insurance shoppers complete one form, and each company can provide price quotes based on the submitted data. This saves time by eliminating quotation requests for each company. To enter your information into the quoting system, click here to start a free quote.

The one downside to comparing rates this way is you cannot specify the companies to get pricing from. So if you prefer to pick specific providers to compare, we have a page of companies who write car insurance in your area. Click to view list.

It doesn’t matter which method you choose, just make darn sure you compare apples-to-apples quote information for every company. If you are comparing differing limits it’s not possible to determine which rate is truly the best.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique and your policy should reflect that. These are some specific questions may help you determine whether you would benefit from an agent’s advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered if I hit my neighbor’s mailbox?
  • Can I rent a car in Mexico?
  • How can I get my company to pay me more for my totalled car?
  • What if I owe more than I can insure my car for?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered when using my vehicle for business?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages explained

Knowing the specifics of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. These are typical coverages offered by insurance companies.

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, damage from flooding and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for immediate expenses for funeral costs, nursing services, surgery, EMT expenses and pain medications. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage will pay to fix damage to your Mariner resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with a tree, hitting a parking meter, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

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 is a good idea.

Liability

Liability coverage provides protection from damage or injury you incur to people or other property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like attorney fees, loss of income and court costs. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

More quotes mean more savings

When trying to cut insurance costs, it’s very important that you do not skimp on coverage in order to save money. In many cases, consumers will sacrifice liability coverage limits only to find out that it was a big error on their part. The proper strategy is to buy a smart amount of coverage at the best price while still protecting your assets.

We just showed you many ideas to save on 2011 Mercury Mariner insurance. The key thing to remember is the more quotes you get, the better chance you’ll have of finding lower rates. Drivers may discover the best prices are with a small mutual company. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, Geico and Progressive.

Much more information about insurance is available at the links below