Compare 2009 Mercury Mariner Car Insurance Rates

Trying to find the cheapest car insurance rates for your Mercury Mariner? Are you drained from not being able to afford to buy car insurance? Your situation is no different than many other consumers.

Lots of insurance companies contend to insure your vehicles, so it can be very hard to choose a insurer and get the best coverage at the cheapest price

It’s important to do rate comparisons occasionally due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the lowest premium rates for Mariner coverage on your last policy there may be better deals available now. There is a lot of bad advice regarding car insurance on the web, but we’re going to give you the easiest ways to reduce your car insurance bill.

Insurance cost influencing factors

Lots of things are used in the calculation when quoting car insurance. A few of the factors are predictable like an MVR report, although others are more transparent such as your marital status or your commute time.One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that go into determining the level of your policy premiums. If you have a feel for what determines premiums, this helps enable you to make changes that may reward you with lower rates.

  • More traffic equals higher premiums – Having an address in small towns and rural areas has it’s advantages if you are looking for the lowest rates. People who live in big cities have more aggressive driving styles and more time behind the wheel. Fewer drivers on the road translates into fewer accidents in addition to fewer liability claims.
  • Poor credit rating equals high premiums – Your credit score can be a huge factor in determining your rates. If your credit is low, you could pay less to insure your 2009 Mercury Mariner by improving your credit score. People that have very good credit scores tend to be more responsible as compared to drivers with lower credit ratings.
  • What are good liability protection limits? – Your policy’s liability coverage will afford coverage if you are found liable for causing personal injury or damage in an accident. It will provide you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • More policies can equal more savings – Some insurers apply better rates to policyholders who have multiple policies with them such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even if you qualify for this discount already, drivers will still want to compare other insurance prices to confirm you are receiving the best rates possible. Drivers may still save more without the discount by insuring with multiple companies.
  • Stay claim-free and reduce rates – Auto insurance companies give most affordable rates to people who only file infrequent claims. If you are a frequent claim filer, you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is intended for claims that pose a financial burden.
  • Higher car insurance rates for car insurance policy lapses – Not having insurance is a misdemeanor and your next policy will cost more because you let your insurance expire. Not only will you pay more, the inability to provide proof of insurance could earn you a steep fine or even jail time.

First Step: Get free insurance quotes

To find inexpensive auto insurance quotes, there are several ways to compare rate quotes from different companies. The best method to find competitive 2009 Mercury Mariner insurance rates involves getting comparison quotes online. This is quite simple and can be completed in just a few minutes using one of these methods.

The most efficient method to get the best comparison quotes is a comparison rater form (click to open form in new window). This easy form eliminates the need for separate forms for every insurance company. In just a few minutes this one form compares rates instantly.

A less efficient way to analyze rates is spending the time to visit each company’s website and get a separate price quote. For examples sake, let’s assume you want to compare rates from State Farm, Safeco and Liberty Mutual. To find out each rate you need to navigate to each company’s site and repeatedly type in your coverage information, which explains why we recommend starting with the first method.

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

Compare rates however you want, just make darn sure you compare identical coverage data on every quote you get. If you are comparing higher or lower deductibles it will be next to impossible to make an equal comparison. Slightly different limits can result in a big premium difference. And when price shopping your coverage, having more price comparisons will increase your chances of finding the best offered rates. Some insurance companies are not set up to provide online price quotes, so you should also compare rates on coverage from those companies, too.

Smaller companies may have the best rates

Big name companies like Progressive, Geico, Allstate and State Farm consistently run television, radio, and online ads. All the ads tend to make the same promise about how much you will save after switching your car insurance coverage to their company. How is it plausible that every one can charge less that you’re paying now? It’s all in how they say it.

Most companies have specific criteria for a prospective insured that will not have excessive claims. For example, a preferred risk could be between 25 and 40, has a clean driving record, and has a high credit rating. Any driver who meets those qualifications will get a cheap rate quote and most likely will save a lot if they switch.

Potential insureds who do not meet the requirements will get a higher premium and business going elsewhere. If you pay close attention to the ads, they say “drivers who switch” not “all people who quote” can get the lowest rates when switching. That is how companies can truthfully claim big savings. Different companies use different criteria so you really should do a price quote comparison at every renewal. It is just not possible to predict the company that will have the lowest rate quotes.

Save a ton with discounts

Car insurance can cost a lot, but you may find discounts that you may not know about. Many of these discounts will be applied automatically at the time of purchase, but occassionally some discounts must be specifically requested before they will apply.

  • Sign Early and Save – Some insurance companies reward drivers for renewing your policy before your current expiration date. It could save around 10% when you buy auto insurance online.
  • Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and will save you 10% or more.
  • Active Service Discounts – Being on active deployment in the military may qualify for rate reductions.
  • Online Discount – Many larger companies may give you up to $50 for buying your policy on the internet.
  • Low Mileage – Keeping the miles down on your Mercury may allow you to get lower rates on the low mileage vehicles.
  • Data Collection Discounts – Policyholders that allow data collection to scrutinize their driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they are good drivers.
  • Federal Employees – Simply working for the federal government could qualify for a slight premium decrease for Mariner coverage with some auto insurance companies.
  • ABS Braking Discount – Vehicles that have anti-lock braking systems can stop better under adverse conditions and earn discounts up to 10%.

Keep in mind that most discounts do not apply the the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think all those discounts means the company will pay you, nobody gets a free ride.

For a list of insurers that offer some of these discounts, click here to view.

What is the best insurance coverage coverage?

When buying coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether you will benefit from professional help.

  • Am I getting all the discounts available?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I drive in Mexico and have coverage?
  • Does having multiple vehicles earn me a discount?
  • Is rental equipment covered for theft or damage?
  • If my 2009 Mercury Mariner is totaled, can I afford another vehicle?
  • Should I sign the liability waiver when renting a car?
  • Can I rent a car in Mexico?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Auto insurance coverages

Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages offered by auto insurance companies.

Collision coverage – This pays for damage to your Mariner caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, scraping a guard rail, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability coverages – Liability insurance provides protection from damage that occurs to other’s property or people. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like loss of income, pain and suffering, attorney fees, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy higher limits if possible.

Comprehensive coverages – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, theft, damage from flooding and a broken windshield. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments – Med pay and PIP coverage pay for expenses for surgery, dental work, funeral costs and hospital visits. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Mercury Mariner.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

In Summary

As you quote auto insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut liability limits or collision coverage only to regret at claim time that it was a big error on their part. Your strategy should be to buy enough coverage at the lowest possible cost and still be able to protect your assets.

There are still a few companies who may not have price quotes online and usually these smaller providers only sell coverage through independent insurance agents. Lower-priced 2009 Mercury Mariner insurance can be bought 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.

Additional information can be read at these links:

Comments About 2009 Mercury Mariner Insurance

  1. Joe Lopez

    Lots of useful info here. Proud to be from Fort Wayne, IN. Received prices from Progressive, Amica, and some I forget for my Mariner and saved just over $380 a year. Was with GMAC.

  2. Elinor Alvarado

    Enjoyed the article. I’m just south of Memphis, TN. I compared lots of rates. Saved about $30 a month. State Farm was the cheapest option for me.

  3. Wilhelmina Pruitt

    I’m in the suburbs of Birmingham, AL. I got free rates from American Family, Sentry, and Travelers for my Mariner and I’m now saving $50 a month. Thankfully I have a good driving record.

  4. Jin Stein

    Cheap is not always the best policy. From Madison, WI. Went online for free insurance quotes for a 2009 Mercury Mariner. Ended up at about $570 savings annually. Went with Progressive. I even had a DUI years ago. :)

  5. Jared Estes

    I switched to State Farm. Quoted good rates in Nampa, ID. Left AAA to switch. They have a lot of discounts available. It’s still not cheap enough.

  6. Boris Sampson

    Lifelong resident of Portland, ME. I compared lots of rates. Saved about $60 a month. State Farm was the cheapest option for me. Have a couple speeding tickets too.

  7. Marylynn Jimenez

    Does State Farm prorate premiums at cancellation?

  8. Fe Horne

    Live in the northern part of Houston, TX. Got car insurance quotes with GEICO, Liberty Mutual, and Encompass for my Mercury and I’m now saving $34 a month. Was with AIG Insurance.

  9. Dedra Hawkins

    I’m in the suburbs of Chesapeake, VA. I quoted with Western Auto Insurance, American Family, GMAC, and Nationwide for my Mercury and I think I am saving around $50 each month. Insured with Esurance before. Switched homeowners coverage too.

  10. Cuc Daniel

    If you have a good history and live near Baltimore, MD, check out GEICO. You might get cheaper rates. Was with Hartford. Have a couple speeding tickets too.

  11. Muoi Sanchez

    If you don’t have tickets and live around Columbia, SC, check out 21st Century. You might get cheaper rates. I quoted rates online then called them.

  12. Shenita Mullins

    I live north of Fargo, ND. Went online for free insurance quotes for a 2009 Mercury Mariner. Ended up at about $140 savings annually. Went with GEICO. :P

  13. Darrel Decker

    IT’S ALL TOO EXPENSIVE! From a town just southwest of Frederick, Maryland. Quoted quotes from Western Auto Insurance, Amica, GMAC, and Mercury for my Mariner and saved $558 a year. God forbid I actually have a claim.

  14. Marcelino Riggs

    Does Progressive have good customer service?

  15. Claudette Wyatt

    I think I’m paying too much. I live south of Salt Lake City, UT. Not sure of all the companies but I ended up saving about $60 each month. Was with USAA. Bought it from an online quote.

  16. Lynne Justice

    Are custom wheels covered by insurance?