2008 Mercury Mariner Insurance Cost – 7 Tips to Save

Looking for the cheapest auto insurance rates for your Mercury Mariner? Price shopping your auto insurance is challenging for drivers who are new to online price comparisons. People have so many companies to choose from that it can turn into a difficult challenge to find the perfect company for you.

Consumers need to do rate comparisons before your next renewal because auto insurance prices are constantly changing. Just because you had the best deal on Mariner coverage two years ago other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re going to learn the best methods to remove unneeded coverages and save money.

If you currently have car insurance, you should be able to reduce your rates substantially using these techniques. This article will teach you the best way to quote coverages and some tips to save money. But vehicle owners benefit from understanding how the larger insurance companies price insurance differently.

Cheap car insurance quotes

To find the best car insurance quotes, there are several ways of comparing rate quotes from companies that offer car insurance in your state. The best method to find the lowest 2008 Mercury Mariner rates involves getting comparison quotes online. It’s really quite simple and can be done in a couple minutes as outlined below.

The best way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This quick form saves time by eliminating separate quote forms for each company you want a rate for. Just one form will get you price quotes instantly. This is perfect if you don’t have a lot of time.

A more time consuming way to compare rate quotes is spending the time to visit each company’s website to complete their respective quote request forms. For instance, we’ll assume you need rates from Progressive, Esurance and American Family. To do that, you would have to take the time to go to each site to input your insurance information, which is why first method is reommended. For a list of links to insurance companies in your area, click here.

Compare rates however you want, just double check that you are using apples-to-apples coverage information on every quote. If you enter higher or lower deductibles it will be impossible to determine the best price for your Mercury Mariner. Slightly different coverages could mean much higher rates. It’s important to know that comparing more company’s prices will increase your chances of finding the best offered rates.

Which is the best insurance?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different.

For example, these questions might help in determining if your situation might need an agent’s assistance.

What is roadside assistance coverage?
Does my policy cover me when driving someone else’s vehicle?
How high should my uninsured/underinsured coverage be in my state?
Can I afford low physical damage deductibles?
How much liability coverage do I need in my state?
Does my insurance cover a custom paint job?
When does my teenage driver need to be added to my policy?
Is rental equipment covered for theft or damage?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form.

Specifics of your insurance policy

Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses like surgery, hospital visits, rehabilitation expenses, prosthetic devices and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, a broken windshield, hitting a bird, hitting a deer and damage from flooding. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

Collision coverage covers damage to your Mariner from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sideswiping another vehicle, colliding with a tree, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Mercury Mariner.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Liability auto insurance

Liability insurance provides protection from damage that occurs to other’s property or people in an accident. This coverage protects you from claims by other people. 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. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like legal defense fees, repair costs for stationary objects, funeral expenses, medical expenses and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.