2008 Mercury Mariner Insurance Rates – 10 Ideas for Cheaper Quotes

No one in their right mind gets a kick out of paying for car insurance, especially knowing the price is too high.

There are many insurers to pick from, and though it is a good thing to have a choice, lots of choices makes it harder to find a good deal.

It’s important to compare rates once or twice a year because car insurance prices change quite often. Even if you got the lowest rates on Mariner coverage on your last policy a different company probably has better rate quotes today. There is lot of inaccurate information about car insurance on the internet, but in a few minutes you can learn some guaranteed methods to quit paying high car insurance rates.

Discounts can really help to save

Companies don’t always publicize all disounts in a way that’s easy to find, so the below list has both the well known in addition to some of the lesser obvious credits available to you. If you do not check that you are getting every discount you deserve, you are just wasting money.

• Student Discount for Driver Training – Have your child enroll and complete driver’s education if offered at their school.
• Theft Deterent – Vehicles equipped with anti-theft or alarm systems are less likely to be stolen and that can save you a little bit as well.
• Good Drivers – Insureds without accidents may receive a discount up to 45% on Mariner coverage than their less cautious counterparts.
• Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
• Passive Restraints – Options like air bags or motorized seat belts may earn rate discounts of 20% or more.
• Discount for New Cars – Insuring a new car can save you some money since new vehicles are generally safer.
• Military Rewards – Having a deployed family member could trigger a small discount.
• Multiple Cars – Buying coverage for more than one vehicle with one company can reduce the rates for all insured vehicles.
• Renewal Discounts – Select insurance companies give a discount for renewing your policy prior to your current policy expiration. It could save around 10% when you buy car insurance online.
• Discounts for Government Workers – Simply working for the federal government can earn a discount up to 10% on Mariner coverage with select insurance companies.

Remember that most discount credits are not given the the whole policy. Most cut specific coverage prices like liability and collision coverage. Just because you may think adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will positively reduce the cost of coverage.

To choose insurance companies with significant discounts, click here.

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Beware of misleading car insurance ads

Big name companies like Geico, State Farm and Progressive seem to constantly run ads in print and on television. All the companies convey the message that people will save just by moving your policy. But how can every company claim to save you money? You have to listen carefully.

All companies quote their cheapest rates for the type of customer that will be a good risk. For instance, this type of risk profile could be a married female, has had continuous coverage, and chooses high deductibles. Someone that hits that “sweet spot” will qualify for the lowest rates and most likely will save quite a bit of money when switching.

People who may not quite match these stringent criteria will be quoted higher rates and ends up with the prospect going elsewhere. The ads state “drivers who switch” not “everyone that quotes” save money. That’s why companies can claim big savings.

Each company has different criteria, so it’s extremely important to compare rate quotes every year. It’s not possible to predict with any certainty which company will have the best prices.

Will just any policy work for me?

When it comes to buying the right insurance coverage, there is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions may help you determine whether your personal situation might need professional guidance.

• What is UM/UIM insurance?
• Is my 2008 Mercury Mariner covered for smoke damage?
• How much liability coverage do I need in my state?
• Can I rate high risk drivers on liability-only vehicles?
• Do I pay less if my vehicle is kept in my garage?
• Am I covered when pulling a rental trailer?
• Should I file a claim if it’s only slightly more than my deductible?
• Do I need higher collision deductibles?
• How does medical payments coverage work?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Parts of your auto insurance policy

Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages available from auto insurance companies.

Liability auto insurance

This can cover injuries or damage you cause to people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for things like bail bonds, loss of income and attorney fees. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, hitting a bird and vandalism. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with another moving vehicle, backing into a parked car, scraping a guard rail, crashing into a building and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like chiropractic care, surgery, ambulance fees, rehabilitation expenses and dental work. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Mercury Mariner.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

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Feed the piggy bank

We just covered many ideas to get a better price on 2008 Mercury Mariner insurance. The most important thing to understand is the more rate quotes you have, the better likelihood of getting low cost car insurance. Consumers may even find the lowest auto insurance rates are with some of the lesser-known companies. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, Geico and Progressive.

When shopping online for car insurance, never sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced full coverage and learned later that they should have had better coverage. Your focus should be to buy enough coverage at a price you can afford while still protecting your assets.

More information can be found at these links:

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Auto Crash Statistics (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)

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