2011 Mercury Mariner Hybrid Car Insurance Cost

Are you burned out from scraping nickels together to keep your car insured? You’re in the same situation as most other vehicle owners.

Big companies like Geico and Progressive promote their brand names with catchy ads and it is difficult to not get sucked in by the cute commercials and find the best price available.

Compare car insurance rates

To find the best car insurance rates, there are several ways of comparing rates from all the different companies. The best method to comparison shop is to jump online and get quotes. This can be accomplished by using one of the methods below.

1. The fastest way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This easy form prevents you from having to do repetitive form entry for each company you want a rate for. One simple form compares rates from all major companies.
2. A more difficult way to find better pricing requires a visit to each company’s website and repeat the quote process again and again. For sake of this example, let’s say you want to get rates from Auto-Owners, Allstate and American Family. In order to get each rate, you would have to spend time on each company’s site to input your insurance information, which can be really labor intensive. For a list of links to insurance companies in your area, click here.
3. Even if you have time, the least recommended method to do your price quoting is going to all the different insurance agencies. Comparing rate quotes online makes this process obsolete unless your situation requires the personal advice of a local agent. Although, it is possible get prices online but purchase the actual policy in an agency.

It doesn’t matter which method you choose, just ensure you’re using identical coverages and limits with every price quote. If the quotes have different deductibles you will not be able to get a fair rate comparison. Having just a slight variation in insurance coverages or limits could mean much higher rates. And when price shopping your coverage, comparing a large number of companies increases the change that you will find more affordable rates. Not every company does prices over the internet, so you also need to get price estimates from them, too.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

• How can I get my company to pay me more for my totalled car?
• When should my teen driver be added to my policy?
• Do I need an umbrella policy?
• Can I afford to buy a different vehicle if my 2011 Mercury Mariner Hybrid is totaled?
• What is UM/UIM insurance?
• Is my trailer covered?
• Does my 2011 Mercury Mariner Hybrid need full coverage?
• Can I afford low physical damage deductibles?

If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Insurance policy coverages for a Mercury Mariner Hybrid

Understanding the coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Mercury Mariner Hybrid.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, rock chips in glass, theft and fire damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage

Collision insurance covers damage to your Mariner Hybrid resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, colliding with another moving vehicle, colliding with a tree, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for short-term medical expenses such as pain medications, prosthetic devices, rehabilitation expenses, funeral costs and nursing services. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability coverage

Liability coverage provides protection from damage or injury you incur to other people or property that is your fault. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show 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. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as attorney fees, pain and suffering, repair costs for stationary objects, repair bills for other people’s vehicles and loss of income. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.