2010 Mercury Mariner Insurance Quotes – 8 Ideas for Best Rates

Looking for better insurance coverage rates for your Mercury Mariner? Getting lower priced insurance coverage online may be rather challenging for consumers new to price shopping on the web. With such a large number of agents and insurers to choose from, how can anyone have a chance to compare every company in order to find the lowest price?

Find hidden discounts to get affordable insurance coverage quotes

Companies don’t always list every discount in a way that’s easy to find, so the following is a list of some of the best known and the more hidden credits available to lower your premiums when you buy insurance coverage online.

• Early Renewal Discounts – A few insurance companies allow discounts for buying a new policy before your current coverage expires. This can save 10% or more.
• Service Members Pay Less – Having an actively deployed family member could qualify you for better premium rates.
• Discounts for Safe Drivers – Accident-free drivers may receive a discount up to 45% on Mariner insurance as compared to drivers with claims.
• Accident-Free Discounts – Drivers who stay claim-free pay much less compared to policyholders that have many claims.
• Drivers Ed for Students – It’s a good idea to have your young drivers enroll in driver’s education as it can save substantially.
• Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and that can save you a little bit as well.
• Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
• 55 and Retired – Drivers over the age of 55 can possibly qualify for a small decrease in premiums on Mariner insurance.

A little note about advertised discounts, some credits don’t apply to the entire cost. A few only apply to individual premiums such as comp or med pay. Even though it appears all the discounts add up to a free policy, companies don’t profit that way. But all discounts should help reduce the amount you have to pay.

If you would like to choose from a list of companies with the best insurance coverage discounts, click here to view.

Tailor your car insurance coverage to you

When choosing adequate coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if your situation would benefit from professional advice.

• I don’t drive much so do I pay less?
• When would I need rental car insurance?
• Will I lose any money if I cancel my policy before it expires?
• Are rock chip repairs covered?
• Are my friends covered when driving my car?
• When does my teenage driver need to be added to my policy?
• Are there companies who specialize in insuring high-risk drivers?
• What is UM/UIM insurance?
• Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form.

Learn about insurance coverages for a Mercury Mariner

Knowing the specifics of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, falling objects, damage from flooding, hail damage and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance

Liability coverage will cover damages or injuries you inflict on other people or property in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as attorney fees, loss of income, court costs and emergency aid. How much coverage you buy is up to you, but you should buy higher limits if possible.

Collision insurance

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

Collision can pay for things such as colliding with a tree, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This coverage provides protection 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 damage to your Mercury Mariner.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for expenses for things like EMT expenses, prosthetic devices, doctor visits and nursing services. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Affordable insurance is out there

People who switch companies do it for many reasons like an unsatisfactory settlement offer, high rates after DUI convictions, delays in responding to claim requests or questionable increases in premium. Whatever your reason, finding the right auto insurance provider is not as difficult as it may seem.

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. There are too many instances where someone dropped uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find at the lowest possible cost, but don’t skip important coverages to save money.

Lower-priced auto insurance can be bought online and from local agencies, so you need to shop insurance coverage with both so you have a total pricing picture. There are still a few companies who don’t offer online quoting and many times these regional insurance providers only sell through local independent agencies.

More information

• How do I File a Claim? (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Collision Coverage (Liberty Mutual)
• Preventing Carjacking and Theft (Insurance Information Insitute)