Cheapest 2006 Mercury Mariner Insurance Rates in 2023
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UPDATED: May 12, 2022
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Trying to find the cheapest insurance coverage rates for your Mercury Mariner? Have you had enough of trying to scrape together enough money to buy car insurance? You are in the same boat as most other car owners.
You have so many car insurance companies to choose from, and although it’s a good thing to have a choice, it can be more difficult to find the best rates for your vehicles.
This article will tell you how car insurance quotes work and some tips to save money. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. But drivers need to have an understanding of the way companies compete online because it can help you find the best coverage.
Lots of discounts mean lots of savings
Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. A few discounts will automatically apply when you quote, but lesser-known reductions have to be manually applied prior to getting the savings.
- Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save up to 5%.
- Multiple Policy Discount – When you have multiple policies with one insurance company you will save up to 20% off your total premium.
- Good Student – This discount can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
- Seat Belts Save – Drivers who require all occupants to wear their seat belts could save 15% off your PIP or medical payments premium.
- No Claims – Drivers who don’t have accidents pay much less when compared with bad drivers.
As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. So when it seems like all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts will cut your overall premium however.
For a list of insurance companies who offer car insurance discounts, click here to view.
Situations that might require an agent
When it comes to buying proper insurance coverage, there really is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that could help you determine whether you may require specific advice.
- Where can I find high-risk insurance?
- How do I buy GAP insurance?
- Am I covered when pulling a rental trailer?
- Am I covered if I crash into my own garage door?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- If my 2006 Mercury Mariner is totaled, can I afford another vehicle?
- Do I have coverage for damage caused while driving under the influence?
- Does insurance cover damages from a DUI accident?
Save $385 a year. For real?
Car insurance providers like Progressive, Allstate and GEICO consistently run ads in print and on television. They all make an identical promise that you’ll save big if you change your policy. How does each company make almost identical claims? It’s all in the numbers.
Insurance companies have a preferred profile for the right customer that earns them a profit. For instance, a desirable insured could possibly be over the age of 50, is a homeowner, and has great credit. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save when switching.
Potential insureds who do not match these standards will have to pay a more expensive rate which leads to business not being written. The ads say “customers who switch” not “everybody who quotes” save that kind of money. That’s why companies can truthfully make the claims of big savings.
Because of the profiling, drivers must get quotes from several different companies. It’s impossible to know the company that will have the lowest Mercury Mariner insurance rates.
The coverage is in the details
Understanding the coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages offered by insurance companies.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2006 Mercury Mariner.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually these coverages are similar to your liability insurance amounts.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like damage from a tornado or hurricane, vandalism, fire damage, hail damage and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
This pays for damage to your Mariner resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like damaging your car on a curb, colliding with a tree, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.
This will cover injuries or damage you cause to a person or their property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage pays for claims such as repair costs for stationary objects, court costs, emergency aid and structural damage. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.
Insurance for medical payments
Med pay and PIP coverage reimburse you for immediate expenses for things like ambulance fees, doctor visits, EMT expenses and pain medications. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Save your cold hard cash
When shopping online for car insurance, make sure you don’t reduce coverage to reduce premium. Too many times, someone dropped liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.
In this article, we covered many ways to lower your 2006 Mercury Mariner insurance rates. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest priced car insurance comes from some of the smallest insurance companies. Regional companies may have significantly lower rates on certain market segments compared to the large companies like Progressive or GEICO.
Additional information can be read below:
- Smart Auto Insurance Tips (Insurance Information Insitute)
- Can I Drive Legally without Insurance? (Insurance Information Insitute)
- Choosing a Car for Your Teen (State Farm)
- Auto Insurance Basics (Insurance Information Insitute)
- State Car Insurance Guides (GEICO)
- Should I Buy a New or Used Car? (Allstate)
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