How Much Does 2009 Mercury Mariner Car Insurance Cost?

Searching for lower insurance coverage rates for your Mercury Mariner? Do you think you bought an underperforming, overpriced insurance coverage policy? You’re preaching to the choir because many drivers feel the same as you. Insurance companies such as Progressive, State Farm and Geico all promote huge savings with catchy ads and it is difficult to ignore the flying pigs and cute green geckos and find the best price available.

If you have a policy now or are just looking to switch companies, you can learn to find the best rates and possibly find even better coverage. Buying car insurance is easy if you know what you’re doing. Vehicle owners only need to know the tricks to compare price quotes online.

How to lower your insurance cost

There are multiple methods to shop for insurance, and some are less labor-intensive and much quicker. You can spend countless hours driving to local insurance agents in your area, or you can stay home and use the web to get prices fast.

Most of the best insurance companies enroll in a system where insurance shoppers enter their coverage request one time, and at least one company returns a competitive quote determined by their information. This eliminates the need for quotation requests to every company.

To compare rates using this form now click here to start a free quote.

The single downside to pricing coverage this way is buyers cannot specifically choose which insurance companies to get pricing from. If you would rather choose specific providers to compare rates, we have a listing of the cheapest insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but try to use identical deductibles and coverage limits for every company. If you compare different data it will be impossible to decipher which rate is best.

Don’t overlook these insurance discounts

The price of auto insurance can be rather high, but there’s a good chance there are discounts that can drop the cost substantially. Many discounts should be triggered when you complete an application, but occassionally some discounts must be manually applied before being credited.

  • Low Mileage Discounts – Fewer annual miles on your Mercury could qualify for substantially lower premium rates.
  • Accident Forgiveness Coverage – but a handful of insurance companies permit an accident before hitting you with a surcharge with the catch being you have to be claim-free for a particular time prior to the accident.
  • Good Drivers – Drivers who don’t get into accidents could pay up to 40% less on Mariner coverage than drivers with accidents.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft and that can save you a little bit as well.
  • Own a Home and Save – Simply owning a home can help you save on insurance because owning a home means you have a higher level of financial diligence.

You can save money using discounts, but most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. Just because you may think all the discounts add up to a free policy, you aren’t that lucky. But any discount will bring down the cost of your policy.

Some of the insurance companies that may have most of these discounts may include but are not limited to:

If you need lower rates, check with each company how many discounts you can get. Some of the discounts discussed earlier might not be offered on policies in your area. If you would like to see a list of insurers who offer free insurance quotes, click here to view.

Get cheap insurance premiums by understanding these factors

Lots of factors are used when quoting car insurance. A few of the factors are predictable such as your driving history, but other criteria are not as apparent such as whether you are married or how financially stable you are.When buying insurance coverage it’s important to understand the different types of things that play a part in calculating the level of your policy premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that may result in lower insurance coverage prices.

Shown below are some of the most common factors used by your company to calculate your prices.

  • Add-on coverages can add up – Insurance companies have many add-on coverages that you can get tricked into buying on your Mariner policy. Coverages for vanishing deductibles, accident forgiveness, and extra life insurance coverage are examples of these. These coverages may sound good when talking to your agent, but now you might not need them so remove them and pocket the money.
  • Protect yourself with liability insurance – A critical coverage on your policy, liability insurance is the protection in the event that a court rules you are at fault for an accident. Your liability coverage provides for a legal defense to defend your case. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • How’s your driving record? – Good drivers pay lower auto insurance prices as compared to those with violations. Even one chargable violation can bump up the cost by as much as thirty percent. Drivers who have gotten multiple violations like DUI or willful reckless driving might be required by their state to maintain a SR-22 with their state DMV in order to prevent their license from being revoked.
  • Annual miles impacts rates – The more you drive your Mercury in a year the more you’ll pay to insure it. Most companies calculate prices based on how the vehicle is used. Cars and trucks not used for work or commuting cost less to insure than those that get driven frequently. Double check that your insurance coverage policy is rated on annual mileage, because it can save money. A policy that improperly rates your Mariner may be costing you.

When to get professional advice

When buying proper insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that For instance, these questions might point out if your insurance needs would benefit from professional advice.

  • Why do I need rental car insurance?
  • Am I better off with higher deductibles on my 2009 Mercury Mariner?
  • How does medical payments coverage work?
  • Is my 2009 Mercury Mariner covered for smoke damage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does liability extend to a camper or trailer?
  • Which companies will insure high-risk drivers?
  • What is roadside assistance coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Don’t listen to company ads

Consumers constantly see and hear ads that promise big savings from companies such as State Farm, Geico and Progressive. All the companies say the same thing about how much you will save just by switching your car insurance coverage to their company.

How do they all lower your auto insurance rates?

Companies can use profiling for the type of driver that will generate a profit. A good example of a driver they prefer could possibly be between the ages of 30 and 50, has never had a policy lapse, and drives a safe vehicle. A customer that hits that “sweet spot” will get low premium rates as well as pay quite a bit less when switching companies.

Potential customers who don’t meet these standards will have to pay a more expensive rate which usually ends up with the customer not purchasing. If you pay close attention to the ads, they say “customers who switch” not “everybody who quotes” save that much money. This is how insurance companies can make claims like that.

This illustrates why drivers should compare quotes as often as possible. Because you cannot predict which car insurance company will have the best prices for your profile.

Auto insurance coverage specifics

Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverage types found on most auto insurance policies.

Comprehensive protection

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like fire damage, hitting a deer and damage from getting keyed. The maximum amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

This covers damage to your Mariner resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with a tree, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability coverage

Liability coverage protects you from injuries or damage you cause to people or other property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as medical expenses, funeral expenses and emergency aid. How much coverage you buy is up to you, but buy higher limits if possible.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Mercury Mariner.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like doctor visits, X-ray expenses, funeral costs and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Shop smart and save

Affordable 2009 Mercury Mariner insurance can be purchased from both online companies as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide online price quotes and most of the time these smaller providers prefer to sell through independent insurance agencies.

Throughout this article, we presented quite a bit of information on how to reduce 2009 Mercury Mariner insurance premium rates online. The key concept to understand is the more price quotes you have, the better likelihood of getting cheaper auto insurance. You may be surprised to find that the lowest priced car insurance comes from the smaller companies. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

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