Save on 2006 Mercury Mariner Insurance Quotes

Want lower insurance coverage rates for your Mercury Mariner? Trying to find low-cost insurance for a new or used Mercury Mariner can turn out to be a painful process, but you can use a few tricks to make it easier.

There is a better way to find insurance coverage online and you need to know the proper way to compare rates for a new or used Mercury and locate the lowest possible price from local insurance agents and online providers.

You should make it a habit to compare premium rates once or twice a year because prices trend upward over time. Even if you got the lowest price on Mariner coverage a couple years back a different company probably has better rates today. There are a lot of ways to save on insurance coverage on the web, but in a few minutes you can learn some good information on how to slash your insurance coverage rates.

If you are insured now or are looking for a new policy, you can use these tips to shop for the lowest rates while maximizing coverage. Locating more affordable car insurance can be fairly easy. Vehicle owners just need to understand the tricks to compare price quotes over the internet.

These discounts can cut insurance coverage rates

The price of auto insurance can be rather high, but there are discounts available that may help make it more affordable. Certain reductions will be credited at the time of quoting, but a few must be requested specifically prior to receiving the credit.

• Student Discounts – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
• Homeowners Pay Less – Owning your own home or condo can get you a discount because it shows financial diligence.
• Early Signing – Some larger companies provide a discount for switching policies prior to your current policy expiring. You may see this discount when you get insurance quotes online.
• Discount for Life Insurance – Some companies give a small discount if you purchase auto and life insurance together.
• Multiple Cars – Drivers who insure multiple cars or trucks on a single policy may reduce the rate for each vehicle.

Just know that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. So when the math indicates all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Car insurance companies that may offer many of the previously listed discounts possibly include:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

Before you buy a policy, ask all companies you are considering to give you their best rates. Depending on the company, some discounts might not be offered on policies in your area. For a list of providers with significant discounts, click this link.

When do I need an agent’s advice?

When choosing coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions could help you determine if your situation could use an agent’s help.

• Should I bundle my homeowners policy with my auto?
• Why am I required to get a high-risk car insurance policy?
• Do I have coverage when pulling a U-Haul trailer?
• How can I get my company to pay me more for my totalled car?
• Should I buy full coverage?
• Are my friends covered when driving my 2006 Mercury Mariner?
• Do I have coverage for damage caused while driving under the influence?
• When does my teenage driver need to be added to my policy?
• Does medical payments coverage apply to all occupants?
• How much liability insurance is required?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Insurance buyers beware

Consumers can’t ignore all the ads that claim the best premium rates from the likes of Progressive, Geico, Allstate and State Farm. All the companies have a common claim that people will save if you change your coverage to them.

Is it even possible that every company can sell you cheaper insurance coverage? Just pay attention to how they say it.

Insurance companies have strict underwriting profiles for the right customer that earns them a profit. A good example of a driver they prefer might be between the ages of 30 and 50, owns their home, and chooses high deductibles. Anybody who meets those qualifications is entitled to the best price and will also save if they switch.

Consumers who do not match those criteria will be quoted more expensive rates and this can result in the customer not purchasing. If you pay close attention to the ads, they say “customers who switch” not “everyone who quotes” save that kind of money. That is how insurance companies can make claims like that.

This really drives home the point why you absolutely need to get a wide range of price quotes. Because you cannot predict which company will have the best prices.

Auto insurance 101

Knowing the specifics of a car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive car insurance – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, damage from getting keyed, theft and vandalism. The maximum payout a car insurance company will pay at claim time 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.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like surgery, X-ray expenses, hospital visits and funeral costs. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverages – This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a mailbox, sideswiping another vehicle, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Mercury Mariner.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are identical to your policy’s liability coverage.

Liability auto insurance – Liability insurance can cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as repair bills for other people’s vehicles, pain and suffering and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying higher limits if possible.

Be a Smart Shopper

More affordable insurance coverage is attainable on the web as well as from independent agents, so you should compare both so you have a total pricing picture. Some insurance coverage companies may not have rates over the internet and many times these smaller companies only sell through independent agents.

Drivers switch companies for any number of reasons including lack of trust in their agent, unfair underwriting practices, poor customer service or even policy non-renewal. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.

Throughout this article, we presented some good ideas how to get a better price on 2006 Mercury Mariner insurance. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may discover the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising.

For more information, take a look at these articles:

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• Speed and Speed Limit FAQ (iihs.org)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)