2010 Mercury Mariner Hybrid Car Insurance Rates

Are you regretting the purchase of overpriced auto insurance? Don’t sweat it because there are many people just like you. With so many auto insurance companies to choose from, it can be hard to pick the most cost effective auto insurance company.

You should make it a habit to shop coverage around periodically because auto insurance prices change frequently. Despite the fact that you may have had the lowest price for Mariner Hybrid coverage a few years ago you may be paying too much now. Ignore everything you know about auto insurance because we’re going to show you the tricks you need to know to reduce your cost while increasing coverage.

Discounts for lower-cost car insurance rates

Some insurers do not list all possible discounts in an easy-to-find place, so we took the time to find both well-publicized and also the more inconspicuous savings tricks you should be using when you buy auto insurance online.

• Waiver for an Accident – Not really a discount, but a handful of insurance companies will allow you to have one accident without the usual rate increase as long as you don’t have any claims prior to being involved in the accident.
• Discounts for Government Workers – Federal government employees could cut as much as 10% off for Mariner Hybrid coverage with select insurance companies.
• Student Driver Training – Cut your cost by having your teen driver complete a driver education course in school.
• Professional Memberships – Being a member of qualifying employment or professional organizations could qualify you for a break when shopping for car insurance.
• Life Insurance – Select insurance carriers reward you with a discount if you purchase auto and life insurance together.

Keep in mind that most discounts do not apply the the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

If you would like to choose from a list of insurance companies with the best car insurance discounts, click here to view.

The best way to compare policy rates is to know car insurance companies allow for online access to give you rate quotes. To get started, all you need to do is provide information like the year, make and model of vehicles, marital status, your credit rating estimate, and any included safety features. The rating information is sent automatically to insurance companies and they respond with quotes instantly.

Tailor your auto insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might point out if you might need professional guidance.

• Why does it cost so much to insure a teen driver?
• Is my teenager covered with friends in the car?
• What is the minimum liability in my state?
• Is motorclub coverage worth it?
• Does coverage extend to my business vehicle?
• Should I rate my 2010 Mercury Mariner Hybrid as pleasure use or commute?
• What is medical payments coverage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Car insurance coverages 101

Knowing the specifics of car insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most car insurance policies.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Mercury Mariner Hybrid.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like vandalism, a broken windshield and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for expenses like ambulance fees, surgery and doctor visits. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability

This will cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like medical expenses, emergency aid, attorney fees, legal defense fees and structural damage. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a ditch, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Never pay more for less

Budget-conscious 2010 Mercury Mariner Hybrid insurance can be purchased both online and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies may not provide price quotes online and these small insurance companies only sell coverage through independent insurance agents.

In this article, we presented some good ideas how to shop for 2010 Mercury Mariner Hybrid insurance online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding cheap auto insurance. You may be surprised to find that the best price on insurance coverage is with a small mutual company. They can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

Other resources

• Understanding Rental Car Insurance (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)