2009 Mercury Mariner Hybrid Insurance Quotes – 10 Ideas for Best Rates

Trying to find better insurance prices for a Mercury Mariner Hybrid can be an all-consuming task, but you can learn our car insurance buying tips to make it easier.

There are both good and bad ways to shop for car insurance and you need to know the quickest way to get price quotes for your Mercury and get the best price possible either online or from local insurance agents.

You need to take a look at other company’s rates as often as possible because rates change frequently. Even if you think you had the lowest premium rates for Mariner Hybrid coverage at your last renewal you can probably find a better price now. Ignore everything you know about car insurance because you’re about to find out the easiest way to buy cheaper car insurance.

If you have insurance now or need new coverage, you will benefit by learning to find the best rates while maximizing coverage. Shopping for the cheapest auto insurance is simple if you know the tricks. Drivers just need to know the tricks to shop over the internet.

Find discounts to get cheap auto insurance quotes

Buying auto insurance is not cheap, but you might be missing out on some discounts to cut the cost considerably. Many of these discounts will be applied automatically when you purchase, but a few must be specially asked for before being credited.

• Low Mileage Discounts – Low mileage vehicles could qualify for slightly better rates than normal.
• Telematics Discount – People who choose to allow their auto insurance company to track driving habits by using a telematics device like Allstate’s Drivewise may see discounts if they are good drivers.
• Discounts for Responsible Drivers – Accident-free drivers can save as much as half off their rates for Mariner Hybrid coverage compared to accident prone drivers.
• College Student – living away from home attending college and leave their car at home could get you a discount.
• Waiver for an Accident – but some companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before your rates go up so long as you are claim-free before the accident.
• Good Student Discount – A discount for being a good student may save as much as 25% on a car insurance quote. Earning this discount can benefit you up until you turn 25.
• Defensive Driver Discount – Successfully completing a course teaching defensive driver skills could save 5% or more and easily pay for the cost of the class.
• Military Deployment Discount – Being deployed with a military unit could trigger a small discount.
• Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems have fewer accidents and earn discounts up to 10%.
• Student Driver Training – Have your child take driver’s ed class in high school.

Drivers should understand that most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

To view insurance companies who offer free auto insurance quotes, click here to view.

Big names are not always cheapest

Drivers can’t ignore all the ads that claim the lowest premium rates from the likes of Allstate and Progressive. All the companies state the claim about savings just by moving to their company.

How does every company make the same claim? Here is how they do it.

Many companies offer their best rates for the type of driver that makes them money. One example of a profitable customer might be between the ages of 30 and 50, has a clear driving record, and drives less than 7,500 miles a year. Anybody who fits that profile will most likely get cheap prices and will probably save some money.

Consumers who are not a match for the requirements will probably have to pay a more expensive rate and this can result in the customer not buying. If you listen closely, the ads state “customers who switch” not “all people who quote” save that much when switching. That’s the way insurance companies can state the savings.

Because every company is different, you should get car insurance quotes as often as possible. It’s just not possible to know which car insurance company will fit you best based on your risk profile.

Tailor your car insurance coverage to you

When it comes to buying coverage, there really is not a “best” method to buy coverage. Each situation is unique.

For instance, these questions can aid in determining if you might need professional guidance.

• Are split liability limits better than a combined single limit?
• Do I pay less for low miles?
• Am I insured when driving a different vehicle?
• Does my policy pay for OEM or aftermarket parts?
• Can I drive in Mexico and have coverage?
• Should I drop comprehensive coverage on older vehicles?
• Am I covered if I break a side mirror?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Is a fancy paint job covered?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Insurance coverage specifics

Learning about specific coverages of your insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills such as X-ray expenses, chiropractic care, nursing services and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, falling objects, hitting a bird, theft and damage from flooding. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance

This protects you from injuries or damage you cause to other’s property or people by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like attorney fees, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Collision insurance

This pays for damage to your Mariner Hybrid resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a ditch, colliding with a tree, hitting a parking meter, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Money doesn’t grow on trees

Lower-priced 2009 Mercury Mariner Hybrid insurance can be found on the web and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies don’t offer rate quotes online and most of the time these small insurance companies sell through independent agencies.

As you prepare to switch companies, don’t be tempted to reduce coverage to reduce premium. There have been many situations where an accident victim reduced full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage for the lowest price, but do not sacrifice coverage to save money.

People leave their current company for many reasons like denial of a claim, policy non-renewal, questionable increases in premium or even delays in paying claims. It doesn’t matter what your reason, finding a great new company is not as hard as you think.

To read more, feel free to browse the articles below:

• Shopping for a Safe Car (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• Drunk Driving Statistics (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)