2007 Mercury Mariner Insurance Quotes

Looking for lower insurance rates for your Mercury Mariner? Finding low-cost insurance for a new or used Mercury Mariner can normally be a lot of work, but you can learn these tips and make it easy. There are more efficient ways to compare insurance rates and we’ll show you the proper way to compare rates for a Mercury and locate the lowest price from both online companies and local agents.

Which car insurance is cheapest?

Getting a cheaper price on 2007 Mercury Mariner insurance is pretty simple and can save money. You just have to spend a little time comparing price quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

1. The easiest and least time consuming way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This style of form prevents you from having to do repetitive form entry to each individual car insurance company. A single, simple form will get you rate comparisons from multiple companies. Just one form and you’re done.
2. Another way to analyze rates is spending the time to visit each individual company website to complete a price quote. For examples sake, we’ll assume you are doing a rate comparison from Liberty Mutual, 21st Century and State Farm. In order to compare rates, you need to go to each individual site and punch in your information repeatedly, which can take a lot of time.

   For a list of links to companies insuring cars in your area, click here.

Take whichever approach you prefer, but make darn sure you compare the exact same quote information with every price quote. If your comparisons have different coverage information it will be nearly impossible to decipher which rate is best.

Insurance coverage policy discounts you can’t miss

Some providers don’t list all disounts in a way that’s easy to find, so the next list breaks down a few of the more well known and also the lesser-known savings tricks you should be using when you buy auto insurance online.

• E-sign – Many insurance companies give back up to $50 for buying your policy digitally online.
• Early Switch Discount – A few companies offer discounts for switching to them before your current coverage expires. It can save you around 10%.
• Homeowners Pay Less – Simply owning a home can get you a discount because it demonstrates responsibility.
• Auto/Life Discount – Select insurance carriers reward you with a lower premium rate if you buy some life insurance in addition to your auto policy.
• Accident Waiver – Not a discount per se, but some insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
• Accident Free – Drivers who don’t have accidents pay less in comparison to drivers with a long claim history.
• Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more for Mariner insurance than less cautious drivers.
• Organization Discounts – Being in qualifying clubs or civic groups may earn a discount on your bill.
• Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
• Payment Method – By paying your entire bill at once instead of monthly or quarterly installments you could save 5% or more.

Don’t be shocked that most credits do not apply to the entire cost. Most only cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck. Any amount of discount will lower the cost of your policy.

To see a list of insurance coverage companies that offer the discounts shown above, follow this link.

Insurance agents can help

When it comes to choosing coverage, there really is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining whether you may require specific advice.

• Will my vehicle be repaired with OEM or aftermarket parts?
• Do I need special endorsements for business use of my vehicle?
• Are my tools covered if they get stolen from my vehicle?
• I have health insurance so do I need medical payments coverage?
• Am I covered when driving in Canada or Mexico?
• Does my liability insurance cover pulling a trailer or camper?
• Is my custom paint covered by insurance?
• What discounts do I qualify for?
• How can I find cheaper teen driver insurance?
• What is the ISO rating for a 2007 Mercury Mariner?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.

How to lower your insurance costs

Many different elements are considered when you get a price on insurance. Some factors are common sense like a motor vehicle report, although some other factors are more obscure like your vehicle usage or your commute time.An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for insurance coverage. If you have a feel for what influences your rates, this empowers consumers to make smart changes that could result in better insurance coverage rates.

• Insure your auto and home with one company – Lots of companies provide a discount to customers who carry more than one policy, otherwise known as a multi-policy discount. Even if you already get this discount, consumers should still compare other company rates to help guarantee you have the best rates.
• Married people drive safer – Being married actually saves money on your insurance coverage bill. It translates into being more stable financially and it’s statistically proven that married drivers get in fewer accidents.
• Claim-free discounts can add up – Car insurance companies generally give better rates to insureds who are not frequent claim filers. If you are a frequent claim filer, you can look forward to higher rates. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.
• Poor driving leads to higher prices – Whether or not you get tickets influences premium rates substantially. Just one ticket may increase your cost by as much as thirty percent. Drivers who don’t get tickets get better rates than bad drivers. Drivers who have gotten dangerous violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state in order to prevent their license from being revoked.
• Pay less with a high IIHS safety rating – Vehicles with good safety scores tend to be cheaper to insure. Highly rated vehicles result in less severe injuries and reduced instances of injuries means less claims paid which can mean better rates for you. If your Mercury Mariner scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
• Small coverages can add up – Insurance companies have many extra add-on coverages that sound like a good idea at the time on your insurance coverage policy. Things like coverage for rental cars, better glass coverage, and membership fees are some examples. These may sound like a good investment when discussing your needs, but your money might be better spent on other coverage so consider taking them off your policy.
• Gals pay lower rates – Statistics demonstrate that women are safer drivers than men. However, this does not mean females are better drivers. Males and females have auto accidents at a similar rate, but the male of the species tend to have higher claims. Men also statistically get more serious tickets such as reckless driving.

But they said I’d save $460 a year!

Consumers can’t ignore all the ads that claim the best car insurance rates from companies such as 21st Century, Allstate and State Farm. All the ads make the point that drivers will save a bundle after switching your policy.

How can each company make almost identical claims?

Different companies quote their best rates for the type of driver that earns them the most money. One example of a driver they prefer may be a female over age 40, has no prior claims, and insures a new vehicle. A driver that fits those parameters will get very good prices and will most likely save if they switch.

Insureds who do not match those standards will probably have to pay higher premiums and this can result in the customer not purchasing. The wording the ads use say “people that switch” not “everybody who quotes” will save that much if they switch. This is how insurance companies can confidently advertise the way they do. This emphasizes why you need to do a quote comparison often. Because you cannot predict which auto insurance company will have the lowest prices for your situation.

Auto insurance coverages explained

Learning about specific coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Auto liability insurance – Liability insurance will cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against things such as structural damage, loss of income, medical services and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like prosthetic devices, rehabilitation expenses and funeral costs. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, rock chips in glass, hitting a deer and falling objects. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage – Collision coverage covers damage to your Mariner resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as damaging your car on a curb, backing into a parked car, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

A fool and his money are soon parted

Drivers who switch companies do it for a variety of reasons including not issuing a premium refund, lack of trust in their agent, being labeled a high risk driver or even delays in paying claims. Regardless of your reason for switching companies, finding a new insurance company is pretty simple and you could end up saving a buck or two.

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. There have been many cases where an accident victim reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at the best price, but do not skimp to save money.

Budget-friendly insurance is available on the web and from local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and many times these small insurance companies prefer to sell through independent insurance agents.

Additional detailed information is located in the articles below:

• Shopping for a Safe Car (Insurance Information Insitute)
• Learn About Car Insurance (Geico)
• Drunk Driving Statistics (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Car Insurance: When not to Skimp (BankRate.com)
• Tools for Teen Driving Safety (State Farm)