Cheap 2011 Mercury Mariner Car Insurance Quotes

Want the cheapest auto insurance rates for your Mercury Mariner? Price shopping your Driversauto insurance can be hard for drivers not familiar with online price comparisons. People have so many companies to choose from that it can easily turn into a difficult challenge to compare prices.

It’s a great practice to quote other rates periodically because auto insurance prices change regularly. Despite the fact that you may have had the best rate for Mariner coverage a couple years back there is a good chance you can find better premium rates now. You can search a lot of auto insurance online but in this article, you’re going to get a lot of great tips on how to buy auto insurance cheaper.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Locating the cheapest protection is not that difficult. Nevertheless, car owners do need to know how the larger insurance companies price insurance differently and apply this information to your search.

How to find low cost car insurance

When shopping for car insurance there are multiple ways of comparing price quotes from different insurance companies. The best way to find cheaper Mercury Mariner rates is to get quotes online. It’s really quite simple and can be done in a couple minutes as outlined below.

The simplest way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This easy form eliminates the need for boring form submissions for every prospective company. One form gets you coverage quotes from all major companies. Recommended for those who want to invest the least amount of time.

A slightly less efficient method to get quotes online is to take the time to go to the website for every company you want to comare and repeat the quote process. For examples sake, let’s assume you want to compare Progressive, Liberty Mutual and Farmers. To get rate quotes you would need to spend time on each company’s site and repeatedly enter your information, which is why first method is reommended. For a list of companies in your area, click here.

The least recommended way to find lower rates to and from local insurance agencies. The ability to buy insurance online has made agencies unnecessary unless you require the trained advice that you can only get from talking to an agent. However, consumers can price shop your coverage online but buy from a local insurance agent.

Whichever method you choose, do your best to use the same coverages with each company. If you use unequal deductibles or liability limits you can’t possibly truly determine the lowest rate. Just a small difference in coverages can result in a big premium difference. And when comparing car insurance rates, know that comparing more rates from different companies increases the change that you will find the best offered rates. Some smaller insurers to not give prices over the internet, so you need to compare quotes from them, too.

Get lower-cost car insurance with discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that can help lower your rates. Most are applied at the time of purchase, but some must be inquired about prior to receiving the credit.

  • Braking Control Discount – Cars with anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
  • Bundle and Save – If you have multiple policies with the same company you may save approximately 10% to 15%.
  • Online Discount – Some of the larger companies may give you up to $50 simply for signing on your computer.
  • Discounts for New Vehicles – Buying insurance coverage on a new vehicle can save you some money because newer vehicles have to meet stringent safety requirements.
  • Federal Government Employee – Federal government employees can earn a discount up to 10% for Mariner coverage depending on your company.
  • No Claim Discounts – Insureds with no claims or accidents have much lower rates when compared to insureds who have frequent claims or accidents.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower prices if you buy some life insurance too.
  • Discounts for Responsible Drivers – Insureds who avoid accidents can pay as much as 50% less for Mariner coverage compared to rates paid by drivers with frequent claims.
  • Own a Home and Save – Just being a homeowner may earn you a small savings because owning a home means you have a higher level of financial diligence.
  • Senior Citizen Discount – Mature drivers may qualify for reduced rates for Mariner coverage.

Policy discounts save money, but most discount credits are not given to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. So even though you would think you can get free auto insurance, company stockholders wouldn’t be very happy.

Popular car insurance companies and some of the premium reductions they offer include:

  • 21st Century offers discounts for good student, student driver, theft prevention, teen driver, and 55 and older.
  • Progressive discounts include continuous coverage, multi-policy, online signing, homeowner, good student, online quote discount, and multi-vehicle.
  • State Farm may offer discounts for safe vehicle, multiple autos, Drive Safe & Save, accident-free, Steer Clear safe driver discount, defensive driving training, and driver’s education.
  • Nationwide has savings for anti-theft, easy pay, multi-policy, defensive driving, and accident-free.
  • Esurance may have discounts that include anti-lock brakes, emergency road assistance, multi-car, safety device, and Switch & Save.
  • The Hartford includes discounts for air bag, vehicle fuel type, defensive driver, driver training, and good student.

It’s a good idea to ask every insurance company to give you their best rates. Some of the earlier mentioned discounts may not apply in your area. To choose providers that offer multiple discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different.

For example, these questions may help highlight if your situation would benefit from professional advice.

  • Does my 2011 Mercury Mariner qualify for pleasure use?
  • I have a DUI can I still get coverage?
  • What are the financial responsibility laws in my state?
  • When should I drop full coverage on my 2011 Mercury Mariner?
  • Are all vehicle passengers covered by medical payments coverage?
  • What can I do if my company won’t pay a claim?
  • I have health insurance so do I need medical payments coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Specific coverages for a Mercury Mariner

Knowing the specifics of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision protection

This coverage pays for damage to your Mariner caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as sustaining damage from a pot hole, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Mercury Mariner.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Liability coverages

This will cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which means $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 single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical services, bail bonds, emergency aid and structural damage. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, damage from a tornado or hurricane, theft and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses like EMT expenses, pain medications, rehabilitation expenses, chiropractic care and dental work. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comments About 2011 Mercury Mariner Insurance

  1. Marcos Dunlap

    Progressive and Allstate had the best prices I found in Oregon.

  2. Sabine Gallagher

    Anyone buy from American Family? I’m in Denver, Colorado.

  3. Vicenta Cantrell

    FYI in Miami, FL try Progressive. I got a good deal.

  4. Ladawn Acevedo

    Proud to be from Sioux Falls, SD. Got prices from State Farm, AIG Insurance, Farmers, and Hartford for my Mariner and saved just over $230 a year.

  5. Lovetta King

    I got quite a few price quotes for a 2011 Mercury Mariner in Tacoma, WA. Ended up at darn near $400 every six months with AAA. Insured with Eastwood before. Bought it from an online quote.

  6. Pura Meyer

    Does Allstate do SR22s in Minnesota?

  7. Spencer Mccarthy

    Does Texas have minimum liability requirements?

  8. Annamae Petersen

    Can you buy custom paint coverage for a 2011 Mercury Mariner?

  9. Katharyn Arnold

    I’m just south of Hilo, HI and for me Progressive had the lowest quote. Have a couple speeding tickets too. It was easy to get rates.

  10. Neal Hewitt

    If you have a clean record and are close to San Jose, CA, check out Allstate. They seem to be cheaper. Good savings if you bundle.

  11. Ericka Odom

    Is a custom audio system covered by insurance?

  12. Terry Warren

    Not sure what I should be paying. I’m from Las Vegas, Nevada. Got quotes from Nationwide, Erie, GEICO, and American Family for my Mercury and I think I saved about $70 each month. Wish I didn’t have to insure at all.