2008 Mercury Mariner Hybrid Car Insurance Quotes

Searching for cheaper auto insurance rates for your Mercury Mariner Hybrid? I can’t think of anyone who looks forward to paying for auto insurance, in particular when their premiums are too high.

Insurance companies such as Allstate, Liberty Mutual and State Farm persitently shower you with advertising and it can be hard to see past the geckos and flying pigs and find the best price available.

It is always a good idea to shop coverage around periodically because insurance prices are adjusted regularly by insurance companies. Even if you think you had the best rates on Mariner Hybrid insurance a year ago the chances are good that you can find a lower rate quote today. Forget all the misinformation about auto insurance because you’re about to find out the tricks you need to know to get good coverage at a lower rate.

If you have car insurance now, you will be able to cut costs considerably using these methods. Finding affordable coverage is not rocket science. But car owners can benefit from knowing how insurance companies price insurance differently and take advantage of how the system works.

How to buy car insurance

To find low cost insurance coverage quotes, there are several ways to compare prices from different companies. The recommended way to compare rates is to jump online and get quotes. It’s really quite simple and can be done in a couple minutes as outlined below.

  1. The first (and easiest) way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This method eliminates the need for separate quotes for each price estimate. Just one form gets coverage cost estimates from multiple companies.
  2. A slightly less efficient method to find better pricing consists of going to each company’s website to request a price quote. For sake of this example, we’ll pretend you want to compare rates from GEICO, Liberty Mutual and American Family. In order to get each rate, you would have to spend time on each company’s site to enter the same coverage data repeatedly, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but double check that you are using equivalent coverages and limits on every quote you get. If you compare mixed coverages then you won’t be able to determine which rate is truly the best. Just slight variations in coverage limits could skew the results. And when quoting car insurance, remember that comparing all the rates in your area increases the change that you will find more affordable rates. Some companies don’t provide online quotes, so it’s recommended that you also compare rates from them, too.

Components of your Mercury Mariner Hybrid insurance premiums

It’s important that you understand some of the elements that help calculate your insurance coverage rates. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to better insurance coverage rates. Many factors are part of the equation when quoting car insurance. Some factors are common sense like an MVR report, but some are less apparent like your continuous coverage or your vehicle rating.

The factors shown below are a few of the “ingredients” utilized by car insurance companies to help set your rates.

  • Women pay lower rates – Over the last 30 years, statistics show that women are safer drivers than men. This data doesn’t prove that men are WORSE drivers than women. Both genders cause fender benders at about the same rate, but the male of the species tend to have more serious accidents. Not only that, but men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
  • Safer vehicles save money – Cars with high safety ratings tend to have better insurance rates. These vehicles help reduce the chance of injuries in an accident and fewer serious injuries translates into savings for insurance companies and lower rates for you. If your Mercury Mariner Hybrid earned at least four stars on Safercar.gov you are probably receiving a discount.
  • Pleasure use or commuting – The more miles you rack up on your Mercury each year the more it will cost to insure it. Most companies calculate prices based upon how much you drive. Autos used primarily for pleasure use can be on a lower rate level as compared to vehicles used primarily for driving to work. An improperly rated Mariner Hybrid can result in significantly higher rates. Ask your agent if your insurance coverage coverage properly reflects how each vehicle is driven.
  • Prices may be lower depending on your occupation – Did you know your career choice can influence rates? Occupational choices like doctorspolice officers and dentists are shown to have higher rates than average in part from stressful work requirements and long work days. Conversely, professions such as farmers, historians and retirees have lower than average premiums on Mariner Hybrid insurance.
  • Maintain insurance coverage coverage – Not maintaining insurance is a misdemeanor and insurance coverage companies will penalize you for letting your coverage have a gap. And not only will your rates increase, not being able to provide proof of insurance will get you fines and jail time. You may have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Multiple policies with one company – Some companies afford better rates to policyholders that have more than one policy. It’s known as a multi-policy discount. Even if you already get this discount, it’s always a smart idea to check prices from other companies to confirm you are receiving the best rates possible.
  • Poor credit decisions can cost you – Credit score is a large factor in your rate calculation. So if your credit history is not that good, you could be paying less to insure your 2008 Mercury Mariner Hybrid by improving your rating. Drivers who have excellent credit tend to file fewer claims and have better driving records than drivers who have worse credit.

Discounts to earn cheaper auto insurance rates

Insuring your vehicles can cost a lot, but you may find discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied when you complete an application, but less common discounts must be asked for prior to getting the savings. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Good Drivers – Accident-free drivers can save up to 40% or more on their insurance coverage quote on Mariner Hybrid insurance than less cautious drivers.
  • Passenger Safety Discount – Cars that have air bags can qualify for discounts of up to 25% or more.
  • Military Rewards – Having a deployed family member could qualify you for better premium rates.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Multi-car Discount – Buying coverage for all your vehicles on one policy can get a discount for every vehicle.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and that can save you a little bit as well.
  • Professional Organizations – Participating in qualifying clubs or civic groups may earn a discount on your policy.

Keep in mind that most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

To locate insurance companies that offer some of these discounts, click here.

Tailor your insurance coverage to you

When it comes to choosing coverage for your vehicles, there is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions might help in determining if your situation might need professional guidance.

  • Does coverage extend to a rental car in a foreign country?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What should my uninsured motorist coverage limits be in my state?
  • What can I do if my company won’t pay a claim?
  • Should I have combined single limit or split liability limits?
  • What is PIP insurance?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Car insurance coverages for a Mercury Mariner Hybrid

Knowing the specifics of a car insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages offered by car insurance companies.

Auto collision coverage

This covers damage to your Mariner Hybrid caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like colliding with another moving vehicle, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Liability coverage

This can cover damages or injuries you inflict on other’s property or people. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like repair costs for stationary objects, court costs, loss of income, funeral expenses and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. 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, damage from flooding, vandalism and fire damage. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2008 Mercury Mariner Hybrid.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages do not exceed the liability coverage limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for ambulance fees, doctor visits and EMT expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

A tidy conclusion

In this article, we covered a lot of information how to get a better price on 2008 Mercury Mariner Hybrid insurance. The most important thing to understand is the more times you quote, the better chance you’ll have of finding cheap insurance coverage. Consumers could even find that the lowest rates are with a small mutual company. They may often insure only within specific states and give getter rates compared to the large companies like Progressive and GEICO.

Lower-priced 2008 Mercury Mariner Hybrid insurance can be found on the web in addition to local insurance agencies, so you need to quote insurance coverage with both to have the best chance of lowering rates. Some insurance coverage companies do not provide online rate quotes and these smaller companies provide coverage only through independent agents.

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