Nobody enjoys paying for car insurance, particularly when it costs too dang much. Many car insurance companies compete for your insurance dollar, so it can be very hard to choose a insurance company and get the definite cheapest price
Lowering your 2005 Mercury Mariner insurance rates is not a difficult process. The only thing you need to do is invest a little time to compare free auto insurance quotes online from several insurance companies. This can be done in several different ways.
For a list of companies in your area, click here.
Whichever way you use, make sure you are using nearly identical coverage information for each quote you get. If each company quotes different liability limits you will not be able to determine the best price for your Mercury Mariner.
Some insurers don’t always publicize their entire list of discounts very well, so the list below gives a summary of a few of the more well known and the more hidden discounts that you can inquire about if you buy auto insurance online.
A little disclaimer on discounts, most discount credits are not given the the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears you can get free auto insurance, companies wouldn’t make money that way.
To find insurance companies who offer discounts, click here.
When buying proper insurance coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions can aid in determining if your situation would benefit from professional advice.
If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.
Learning about specific coverages of your insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverage types offered by insurance companies.
Collision coverage will pay to fix damage to your Mariner caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things such as colliding with a tree, sustaining damage from a pot hole, rolling your car, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Med pay and PIP coverage reimburse you for immediate expenses such as hospital visits, rehabilitation expenses and pain medications. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mercury Mariner.
Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like vandalism, damage from getting keyed, fire damage, theft and a broken windshield. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
This protects you from damages or injuries you inflict on other’s property or people in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.
Liability can pay for things like court costs, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.
Some car insurance companies do not offer price quotes online and usually these regional carriers prefer to sell through independent insurance agents. Cheaper 2005 Mercury Mariner insurance is available on the web in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money.
We just covered many ideas to get a better price on 2005 Mercury Mariner insurance. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the best auto insurance rates are with an unexpected company. They may often insure only within specific states and give getter rates compared to the large companies like State Farm, Geico and Nationwide.
When shopping online for car insurance, it’s very important that you do not skimp on coverage in order to save money. In many instances, an insured cut comprehensive coverage or liability limits only to find out they didn’t have enough coverage. Your goal is to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.
Beau Savage
I live in a small town just outside of Overland Park, KS. Got rates from Hartford, AAA, Safeco, and a couple others for my Mercury and I think I saved about $50 each month. I quoted rates online then called them.
Alena Nixon
I live just outside Las Vegas, NV and for me State Farm had the lowest quote. Left Encompass to switch. I have several vehicles insured with them.
Karly Carver
Got a quote with Encompass for my Mariner and am saving around $180 a year. Left Erie to switch. I get multi-vehicle and multi-policy discounts. Get lots of quotes to find the best rate.
Kathryn Boyd
All companies are crooks. Located in Phoenix, AZ. Compared rates from a lot of places. Saved about $40 a month. GEICO was the most affordable for me. I have kids on my policy, too. They offer free online rate quotes.
Isela Shaffer
Lifelong resident of Davenport, Iowa. Can’t remember who all I quoted but I ended up saving about $40 each month. Was with Nationwide.
Serena Barker
Anyone find cheap rates around Lexington, KY?
Chelsie Bruce
Cheaper not always better. Live in the western part of Des Moines, Iowa. Not sure of all the companies but I ended up saving about $50 each month. Left Nationwide to switch. I get a discount for insuring multiple vehicles. Not sure if rates are cheaper online or through an agent.
Chanda Preston
What are minimum liability limits required in Massachusetts?
Jerrell Shaw
From Baton Rouge, Louisiana. Compared rates from a lot of places. Saved about $50 a month. Allstate was the best choice for me. Hopefully won’t need it.
Kit Young
If you have a good history and are close to Norfolk, VA, check out Progressive. I saved quite a bit. Insured with MetLife before. Ask about discounts.
Pablo Armstrong
Lots of useful info here. Went with The General for my Mariner and am saving around $140 a year. Got better coverage too.
Odell West
I’m in the suburbs of Milwaukee, WI and for me Allstate had the lowest quote. :P
Colette Matthews
Thanks for putting this site together. I live north of Nashua, New Hampshire. Quoted prices online for a 2005 Mercury Mariner. Ended up at about $320 savings annually. Went with 21st Century. Thankfully I have a good driving record.