Cheaper 2011 Mercury Mariner Insurance Rates

Having to pay for overpriced insurance coverage can take a big chunk out of your personal savings and put a big crunch on your finances. Doing a price comparison is a great way to lower your monthly bill.

Popular companies such as State Farm, Progressive and Geico continually bombard you with ad campaigns and consumers find it hard to avoid their marketing magic and find the best price available.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. Buying car insurance is not that difficult. Although consumers must comprehend how the larger insurance companies compete online and take advantage of how the system works.

Discounts mean cheaper Mercury Mariner insurance rates

Insurance can cost an arm and a leg, but there are discounts available that many people don’t even know exist. Some discounts apply automatically when you complete an application, but some must be specifically requested before you get the savings.

  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may save up to 20% off your total premium.
  • Discount for Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more for Mariner insurance than their less cautious counterparts.
  • Payment Method – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Government Employees – Employees or retirees of the government can save as much as 8% for Mariner insurance with select insurance companies.
  • Memberships – Being a member of a qualifying organization is a good way to get lower rates when buying auto insurance for Mariner insurance.
  • Paperless Signup – Certain companies give back up to $50 for buying your policy digitally online.
  • College Student – Children who attend school more than 100 miles from home and don’t have a car can receive lower rates.
  • Safety Course Discount – Taking part in a course in driver safety can save you 5% or more depending on where you live.

Keep in mind that most credits do not apply to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will bring down your overall premium however.

Car insurance companies that may have these money-saving discounts include:

Before buying, ask every prospective company which discounts they offer. Some discounts may not apply in your state.

Tailor your coverage to you

When buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might point out if your situation would benefit from an agent’s advice.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • When can I cancel my policy?
  • How do I file an SR-22 for a DUI in my state?
  • What exactly is covered by my policy?
  • Which companies will insure high-risk drivers?
  • At what point should I drop full coverage?
  • Do I have newly-aquired coverage?
  • Is my teen driver covered when they drive my company car?
  • Is my custom paint covered by insurance?
  • Do I need more liability coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Insurance coverage breakdown

Knowing the specifics of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages offered by insurance companies.

Comprehensive coverage

This covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like vandalism, hitting a bird, a tree branch falling on your vehicle and fire damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

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

Collision coverage protects against claims such as scraping a guard rail, hitting a parking meter, colliding with another moving vehicle, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2011 Mercury Mariner.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability auto insurance

This can cover injuries or damage you cause to other people or property in an accident. It 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. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as funeral expenses, structural damage, bail bonds, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like ambulance fees, funeral costs, surgery and X-ray expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Save for a rainy day

We just covered a lot of information how to lower your 2011 Mercury Mariner insurance rates. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the best price on auto insurance is with the smaller companies. They can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

Low-cost insurance is attainable on the web as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

For more information, link through to the resources below: