Cheapest 2008 Mercury Mariner Insurance Rates in 2023
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UPDATED: Aug 23, 2022
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Finding low-cost insurance for a Mercury Mariner can normally be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to shop for insurance and we’ll show you the absolute fastest way to compare rates for a Mercury and obtain the lowest possible price either online or from local insurance agents.
Finding affordable coverage is quite easy. If you are insured now or are shopping for new coverage, you can use these tips to shop for the lowest rates while maintaining coverages. Vehicle owners only need to know how to compare price quotes online.
Do you qualify for discounts?
Companies that sell car insurance do not advertise all available discounts very clearly, so here is a list both well-publicized and also the lesser-known discounts you could be receiving. If you’re not getting every credit you deserve, you’re paying more than you need to.
- Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
- Payment Method – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
- Drive Less and Save – Fewer annual miles on your Mercury could qualify for better rates on cars that stay parked.
- Student in College – Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.
As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, you won’t be that lucky.
Don’t assume everyone needs the same coverage
When choosing the best insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.
For example, these questions might point out if your insurance needs would benefit from professional advice.
- Should I buy additional glass protection?
- Are my friends covered when driving my 2008 Mercury Mariner?
- Should I buy full coverage?
- Does my insurance cover my expensive audio equipment?
- What is high-risk coverage and where do I buy it?
- Do I need PIP (personal injury protection) coverage in my state?
- Am I covered if I hit my neighbor’s mailbox?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.
Do insurance companies bend the truth?
Consumers can’t get away from ads for cheaper car insurance from the likes of Progressive, Allstate and GEICO. They all make the same claim about savings if you move your coverage to them.
How can each company claim to save you money? It’s all in the numbers.
All the different companies have a certain “appetite” for the right customer that makes them money. A good example of a desirable insured might be a mature driver, has no tickets, and drives less than 10,000 miles a year. A customer who fits that profile receives the best rates and is almost guaranteed to save when switching.
Drivers who are not a match for these standards will be quoted higher rates and ends up with business not being written. The ad wording is “customers who switch” not “everybody who quotes” save that much money. That’s the way companies can make those claims. This emphasizes why you absolutely need to compare as many rates as you can. It’s not possible to predict which insurance company will have the lowest Mercury Mariner insurance rates.
Learn about insurance coverages for a 2008 Mercury Mariner
Understanding the coverages of insurance can be of help when determining which coverages you need for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement.
Auto collision coverage
Collision coverage will pay to fix damage to your Mariner resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as driving through your garage door, rolling your car, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.
Uninsured or underinsured coverage
This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Mercury Mariner.
Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like funeral costs, rehabilitation expenses, EMT expenses and pain medications. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as damage from flooding, theft and vandalism. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Liability car insurance
Liability insurance can cover damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.
Liability can pay for claims like court costs, repair bills for other people’s vehicles, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.
A fool and his money are soon parted
When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.
Insureds leave their current company for many reasons like questionable increases in premium, lack of trust in their agent, high prices or poor customer service. No matter why you want to switch, switching companies can be less work than you think.
In this article, we covered a lot of techniques to get a better price on 2008 Mercury Mariner insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premiums are with a small mutual company.
For more information, link through to these articles:
- Understanding Rental Car Insurance (Insurance Information Insitute)
- Credit Impacts Car Insurance Rates (State Farm)
- Coverage Information (Progressive Insurance)
- Electronic Stability Control FAQ (iihs.org)
- Older Driver Statistics (Insurance Information Insitute)
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