2005 Mercury Mariner Insurance Quotes – 5 Tricks for Cheaper Rates

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.

Insurance coverage can be complex

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.

• Do I need an umbrella policy?
• Does my policy cover my teen driver if they drive my company car?
• When should I drop full coverage on my 2005 Mercury Mariner?
• Is my 2005 Mercury Mariner covered for smoke damage?
• Should I have combined single limit or split liability limits?
• Are my tools covered if they get stolen from my vehicle?
• Do I need added coverage for expensive stereo equipment?
• Are my friends covered when driving my car?
• Can I rate high risk drivers on liability-only vehicles?

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.

Insurance policy coverages for a Mercury Mariner

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.

Auto collision coverage

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.

Insurance for medical payments

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

Uninsured Motorist or Underinsured Motorist insurance

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.

Comprehensive coverage (or Other than Collision)

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.

Auto liability

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.

Buy online or local, you save

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.

Other information

• Child Safety Seats (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)