How Much Does 2010 Mercury Mariner Insurance Cost?

Are you at wits end from scraping the payment together to pay high insurance coverage rates every month? You are no different than the majority of other people. People have many insurers to buy insurance from, and even though it’s nice to have multiple companies, it can be more challenging to find the lowest rates.

It’s important to check insurance coverage prices yearly since prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal on Mariner coverage six months ago you may be paying too much now. Forget all the misinformation about insurance coverage because I’m going to teach you the quickest way to find better rates and still maintain coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to cut costs considerably using this information. Vehicle owners just need to learn the tricks to compare prices over the internet.

Affordable car insurance price quotes online

Most companies allow you to get prices for coverage directly from their websites. The process doesn’t take much effort because it’s just a matter of typing in your coverage preferences into the quote form. Once entered, their system orders information on your driving record and credit history and generates pricing information based on these factors. Online price quotes makes it easy to compare insurance prices but having to visit different websites and type in the same data gets old quite quickly. But it is imperative to do this if you are searching for better car insurance pricing.

A better way to find better car insurance pricing is to use a quote form that obtains quotes from several companies at one time. It saves time, helps eliminate reptitive entry, and makes rate comparisons much simpler. Immediately after submitting the form, it is rated with multiple companies and you can pick any one of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. It can be completed in a matter of minutes and may result in a nice savings.

To save time and find out if lower rates are available, click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you enter the limits and deductibles identical to your current policy. This makes sure you’re receiving an apples-to-apples comparison for exact coverage.

Car insurance quotes and discounts

Car insurance companies don’t always list every available discount very well, so the following list contains both the well known and the more hidden credits available to bring down your rates.

• Data Collection Discounts – Insureds that choose to allow their car insurance company to monitor vehicle usage through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they show good driving skills.
• Anti-theft System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and that can save you a little bit as well.
• Defensive Driving Course – Completing a defensive driving course could earn you a small percentage discount if you qualify.
• Buy New and Save – Insuring a vehicle that is new can save you some money since new model year vehicles have better safety ratings.
• Sign Online – Many companies will provide an incentive for buying your policy over the internet.
• Multiple Vehicles – Buying a policy with more than one vehicle with the same company can get a discount on all vehicles.

One thing to note about discounts is that most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like liability and collision coverage. Despite the fact that it seems like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

The best car insurance companies and their offered discounts are outlined below.

• AAA policyholders can earn discounts including good student, education and occupation, anti-theft, multi-car, and AAA membership discount.
• Progressive offers discounts including online signing, online quote discount, multi-vehicle, homeowner, and multi-policy.
• State Farm may include discounts for multiple policy, driver’s education, good student, anti-theft, and student away at school.
• Esurance has discounts for emergency road assistance, multi-policy, multi-car, defensive driver, and Pac-12 alumni.
• Nationwide may offer discounts for good student, defensive driving, business or organization, family plan, easy pay, and Farm Bureau membership.

If you need lower rates, check with all companies you are considering which discounts you qualify for. Some discounts may not apply to policies in your state. If you would like to see a list of car insurance companies who offer car insurance discounts, click this link.

Situations that may require an agent’s advice

When buying proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique so this has to be addressed. For example, these questions can help discover if you would benefit from an agent’s advice.

• Can I get a multi-policy discount?
• Does car insurance cover theft of personal property?
• Does my liability insurance cover pulling a trailer or camper?
• Is my custom paint covered by insurance?
• If I drive on a suspended license am I covered?
• What is UM/UIM insurance?
• Am I insured when driving a different vehicle?
• What can I do if my company won’t pay a claim?
• Is motorclub coverage worth it?
• Can I afford to buy a different vehicle if my 2010 Mercury Mariner is totaled?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

How to lower your insurance costs

Smart consumers have a good feel for the factors that help calculate your premiums. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with lower rates.

The itemized list below are some of the items companies use to determine prices.

• Liability insurance – The liability coverage on your policy kicks in in the event that a court rules you are at fault for causing personal injury or damage in an accident. It will provide legal defense which can cost a lot. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
• Where you live is a factor – Living in a rural area may provide you with better prices when trying to find low car insurance rates. Fewer people means less chance of accidents and also fewer theft and vandalism claims. City drivers have traffic congestion and longer commutes to work. Higher commute times statistically corresponds to a higher accident and claim rate.
• Lower physical damage deductibles cost more – Physical damage deductibles tell how much the insured will be required to pay if a claim is determined to be covered. Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your car. A few examples of covered claims would be colliding with a stationary object, vandalism, and having a roll-over accident. The more you pay before a claim is paid (deductible), the less money you will pay for car insurance on Mariner coverage.
• Costs impacted by vehicle usage – The more you drive your Mercury in a year the more you will pay for car insurance. Most companies rate vehicles determined by how the vehicle is used. Autos left parked in the garage can be on a lower rate level than those used for commuting. Double check that your policy is showing annual mileage, because it can save money. Having the wrong rating on your Mariner is throwing money out the window.
• Five star IIHS safety rating saves money – Vehicles with high crash test scores are cheaper to insure. The safest vehicles help reduce the chance of injuries in an accident and any reduction in injury severity means your insurance company pays less and thus lower rates. If your Mercury Mariner scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
• Better drivers pay the best rates – Drivers who don’t get tickets pay less for auto insurance compared to bad drivers. Getting just one moving violation could increase your next policy renewal by as much as thirty percent. Drivers who get dangerous citations such as DUI or willful reckless driving may be required to prove financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
• Continuous coverage saves money – Not maintaining insurance can get your license suspended and any future policy may cost more because you let your insurance lapse. In addition to paying higher premiums, not being able to provide proof of insurance may earn you a revoked license or a big fine.
• Consolidate policies with the same company – Most car insurance companies will award a discount to customers who buy several policies from them in the form of a multi-policy discount. This can amount to as much as ten percent or more Even with this discount, it’s still a good idea to comparison shop to help guarantee you have the best rates. Drivers may still save money even if you insure with multiple companies

Do you really save 40% when you switch?

Drivers can’t get away from all the ads that claim the cheapest premium rates by companies like State Farm, Allstate and Geico. They all seem to tend to make the same promise that drivers can save some big amount if you move your coverage to them.

That’s great but how can every company charge you a lower premium?

Insurance companies quote their cheapest rates for the driver that makes them money. A good example of a driver they prefer might have to be a married female, carries high limits, and drives a lower-performance vehicle. A propective insured who matches those parameters receive the lowest rate quotes as well as save a lot if they switch.

People who fall outside this stringent profile will be charged higher prices and this can result in business going elsewhere. If you listen closely, the ads state “drivers that switch” not “everyone that quotes” save that much money. That’s the way companies can lure you into getting a quote. This emphasizes why it’s extremely important to do a quote comparison often. You cannot predict with any certainty which company will have better prices than you’re paying now.

Information about specific coverages

Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages available from auto insurance companies.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like pain medications, dental work and prosthetic devices. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as damaging your car on a curb, scraping a guard rail, colliding with a tree, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Mercury Mariner.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive protection – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, damage from getting keyed, fire damage and damage from flooding. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance – Liability coverage protects you from damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things like pain and suffering, funeral expenses and loss of income. How much coverage you buy is up to you, but you should buy higher limits if possible.

Save your cold hard cash

Throughout this article, we presented many tips how you can save on 2010 Mercury Mariner insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

When shopping online for car insurance, it’s a bad idea to reduce needed coverages to save money. In too many instances, someone sacrificed full coverage and found out when filing a claim they didn’t purchase enough coverage. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

For more information, feel free to visit these articles:

• Event Data Recorders FAQ (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• What is a Telematics Device? (Allstate)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)