View 2006 Mercury Mariner Insurance Rates

No one in their right mind fancies paying their premiums for car insurance, especially when they know the prices are way too high.

Insurance companies such as State Farm, Farmers Insurance, Geico and Allstate continually hit you with ads and it is difficult to ignore the promise of big savings and take the time to shop coverage around.

It’s smart to get comparison quotes quite often because prices are rarely the same from one policy term to another. Just because you found the best quotes for Mariner insurance last year you may be paying too much now. There is lot of inaccurate information about car insurance on the web, but in just a couple of minutes you can learn some great ideas on how to put money back in your pocket.

Earn discounts on car insurance

Car insurance is not an enjoyable expense, but there are discounts available to reduce the price significantly. A few discounts will automatically apply when you complete an application, but some must be asked for prior to receiving the credit.

  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems may get savings of more than 20%.
  • Multiple Cars – Insuring all your vehicles on a single policy may reduce the rate for each vehicle.
  • New Car Discount – Buying a new car instead of a used car can save up to 30% due to better safety requirements for newer vehicles.
  • Active Military Service – Having a family member in the military could trigger a small discount.
  • No Claim Discounts – Good drivers with no accidents can save substantially compared to accident-prone drivers.
  • Theft Prevention System – Cars equipped with anti-theft or alarm systems are less likely to be stolen and will save you 10% or more.
  • Save over 55 – Older drivers may qualify for reduced rates for Mariner insurance.

Policy discounts save money, but some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky.

To locate insurance companies who offer car insurance discounts, click here.

Mercury Mariner insurance prices can be reduced

A large part of saving on insurance coverage is knowing some of the elements that help calculate the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this enables informed choices that can earn you much lower annual insurance costs. Lots of things are used in the calculation when pricing auto insurance. Some are pretty understandable like an MVR report, although others are less obvious like your vehicle usage or how financially stable you are.

  • Having a spouse pays dividends – Your spouse actually saves money on your policy. Marriage is viewed as being more financially stable and statistics prove being married results in fewer claims.
  • Annual miles is a factor – Driving a lot of miles annually the more it will cost to insure it. Most companies apply a rate based on how the vehicle is used. Autos used primarily for pleasure use cost less to insure than cars that get driven a lot. Incorrect rating for your Mariner is just wasting money. Make sure your vehicle rating correctly shows the right rating data.
  • Responsible drivers have lower prices – Your driving record can have a huge impact on auto insurance premiums. Careful drivers get better prices compared to drivers with tickets. Having just one chargable violation may cause rates to rise by twenty percent. Drivers who have gotten severe violations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to prove financial responsibility with their state motor vehicle department in order to legally drive.
  • Lower premiums with alarms and GPS tracking – Owning a car that has an advanced theft prevention system can help lower your rates. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft and help lower rates.
  • Better insurance coverage rates on safer cars – Vehicles that have high safety ratings get lower rates. Vehicles built for safety reduce occupant injuries and reduced instances of injuries means less claims paid which can mean better rates for you.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique and your policy should reflect that. For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • Who is covered when they drive my 2006 Mercury Mariner?
  • Can my babysitter drive my car?
  • Does my 2006 Mercury Mariner need full coverage?
  • Is business property covered if stolen from my car?
  • When should I remove comp and collision on my 2006 Mercury Mariner?
  • Do I have coverage when using my vehicle for my home business?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is medical payments coverage?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions, you may need to chat with 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.

Misconceptions in insurance advertisements

Well-known insurance companies like Geico, State Farm and Progressive seem to constantly run ads on television and other media. They all try to convey promises about savings if you move to their company. How is it plausible that every one can save you money? Here is the trick they use.

All companies have underwriting criteria for the type of customer that earns them the highest profit. An example of a profitable risk profile might be between the ages of 30 and 50, has never had a policy lapse, and drives less than 7,500 miles a year. Any driver who meets those qualifications will get very good car insurance rates as well as cut their rates if they switch.

Consumers who don’t measure up to this ideal profile will see a higher premium and this results in the prospect going elsewhere. The ads say “people that switch” not “everyone that quotes” save that much money. That is how insurance companies can confidently make those claims. Each company has different criteria, so drivers should get as many free car insurance quotes as possible. It is just not possible to predict the company that will have the lowest rates.

Auto insurance 101

Understanding the coverages of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Medical costs insurance

Med pay and PIP coverage kick in for short-term medical expenses for prosthetic devices, pain medications and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, damage from getting keyed, damage from a tornado or hurricane and hitting a bird. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability insurance protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as attorney fees, funeral expenses and pain and suffering. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Mercury Mariner.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision insurance

Collision insurance will pay to fix damage to your Mariner from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, crashing into a building, backing into a parked car, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Shop Smart and Save

More affordable insurance coverage can be sourced both online and also from your neighborhood agents, so you need to quote car insurance with both in order to have the best chance of saving money. Some insurance coverage companies do not provide price quotes online and usually these smaller companies work with independent insurance agents.

In this article, we presented a lot of information how to save on 2006 Mercury Mariner insurance. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Drivers may discover the biggest savings come from a small mutual company. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.

When you buy car insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, someone dropped liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase plenty of coverage at the lowest possible cost, but don’t skip important coverages to save money.

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