2008 Mercury Mariner Insurance Rates – 9 Tips to Save

I can’t think of a single person who looks forward to buying insurance, especially when the cost is way too high. Because you have many options when it comes to insurance, it can be hard to choose the cheapest provider.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you should be able to reduce your rates substantially using this information. Consumers just need to learn the most efficient way to compare company rates online.

Cut your insurance rates with these nine discounts

Auto insurance companies don’t always list every available discount in a way that’s easy to find, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Driver Safety – Successfully completing a defensive driving course could save 5% or more if your company offers it.
  • Homeowners Pay Less – Owning a home can save you money because of the fact that having a home shows financial diligence.
  • More Vehicles More Savings – Having multiple cars or trucks on the same insurance policy could earn a price break for each car.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% for Mariner coverage with certain companies.
  • Senior Discount – If you qualify as a senior citizen, you may receive a discount up to 10% for Mariner coverage.
  • Accident Waiver – A handful of insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Discount for New Cars – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Resident Student – Children who live away from home without a vehicle on campus can receive lower rates.
  • Paperwork-free – A handful of insurance companies will give a small break for buying a policy and signing up digitally online.

Drivers should understand that most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates you could get a free insurance policy, it just doesn’t work that way.

Companies that may have these discounts are:

Check with all companies you are considering what discounts are available to you. Savings might not apply in your area.

You are unique and your auto insurance should be too

When buying the best auto insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions could help you determine whether you would benefit from professional advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Can my teen drive my company car?
  • What is covered by UM/UIM coverage?
  • How do I buy GAP insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I need higher collision deductibles?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverages 101

Learning about specific coverages of a auto insurance policy aids in choosing the right coverages for your vehicles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from auto insurance companies.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as hospital visits, surgery and dental work. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive coverages

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

Comprehensive can pay for things such as falling objects, hitting a bird, theft, a broken windshield and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

This coverage covers damage to your Mariner resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like scraping a guard rail, crashing into a building, crashing into a ditch, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for liability

Liability insurance will cover damage or injury you incur to people or other property. This coverage protects you against claims from other people, and 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. Your policy might show limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for claims like legal defense fees, emergency aid, funeral expenses, loss of income and attorney fees. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

And the best car insurance company is…

We just presented many ideas to get a better price on 2008 Mercury Mariner insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with a lesser-known regional company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.

Lower-priced insurance is available both online and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

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