Overpriced car insurance can empty your family’s budget and make it impossible to make ends meet. Comparing rates annually is a fast and free way to lower your monthly bill.
Multiple insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurance companies to discover the definitive lowest cost out there.
You should make it a habit to compare rates occasionally since insurance prices trend upward over time. Just because you had the best price for Mariner coverage a couple years back the chances are good that you can find a lower rate quote today. You can find a lot of wrong information about car insurance out there, but in just a couple of minutes you can learn the easiest ways to save money.
Car insurance discounts help lower rates
Car insurance is easily one of your largest bills, but companies offer discounts that can drop the cost substantially. Many of these discounts will be applied automatically at the time of purchase, but lesser-known reductions have to be requested specifically prior to receiving the credit. If you are not receiving all the discounts possible, you are just wasting money.
- Low Mileage Discounts – Keeping the miles down on your Mercury could earn cheaper premium rates.
- Good Students Pay Less – Being a good student may save as much as 25% on a . This discount can apply well after school through age 25.
- Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
- Drivers Ed for Students – Cut your cost by having your teen driver sucessfully take a driver\s education course in school or through a local driver safety program.
- Onboard Data Collection – Drivers that enable their company to study where and when they drive remotely like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they show good driving skills.
Keep in mind that most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears you can get free auto insurance, companies wouldn’t make money that way.
If you would like to choose from a list of insurers that offer the discounts shown above, click here.
Many insurance companies make it easy to get insurance quotes from their websites. Getting online quotes is quite easy as you simply type in the coverage amounts you desire on the page. Once entered, the quote system automatically orders your driving and credit reports and returns a price based on the data you entered. This helps simplify price comparisons, but the process of having to visit different websites and type in the same data is repetitive and time-consuming. But it’s absolutely necessary to do this if you are searching for a lower rate.
There is a better way!
The quickest way to find better car insurance pricing uses one form that gets prices from several companies at one time. The form is fast, helps eliminate reptitive entry, and makes rate comparisons a lot less work. After your information is entered, it is quoted with multiple companies and you can pick any one of the quotes that you receive.
If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The entire process can be completed in less than 10 minutes and may save quite a bit of money.
To compare rates using this form now, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you complete the form with as close as possible to your current policy. Doing this guarantees you will have comparison quotes based on identical coverages.
Eight Tips to Get More Affordable Insurance Prices
Consumers need to have an understanding of some of the elements that are used to determine your policy premiums. When consumers understand what positively or negatively impacts your premiums, this helps enable you to make changes that may reward you with cheaper rates. Many different elements are used in the calculation when you quote your car insurance policy. Some factors are common sense such as traffic violations, although others are more transparent such as whether you are married or how financially stable you are.
- Never allow your policy to lapse – Driving without insurance coverage in place is a big no-no and your next policy will cost more because you let your insurance lapse. In addition to paying higher rates, failure to provide proof of insurance could earn you fines or a revoked license.
- Keep the miles off and save – The higher the miles on your Mercury every year the more it will cost to insure it. A lot of insurance companies calculate prices based upon how you use the vehicle. Cars and trucks that sit idle most of the time qualify for better rates compared to those used for work or business. Ask your agent if your car insurance policy correctly shows the correct driver usage. An incorrectly rated Mariner is just wasting money.
- Gender and car insurance costs – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. This data doesn’t prove that women are BETTER drivers than men. They both get in at-fault accidents in similar percentages, but the men get into accidents with more damage. Men also receive more costly citations such as reckless driving.
- Your employer can affect premiums – Careers such as real estate brokers, executives and financial analysts tend to have the highest rates because of intense work requirements and long work hours. On the flip side, occupations like professors, athletes and performers generally pay rates lower than average for Mariner coverage.
- Your spouse saves you money – Having a spouse may earn you lower rates compared to being single. It generally demonstrates drivers are more stable financially and statistics prove married drivers tend to file fewer claims.
- Choose high IIHS safety ratings and save – Vehicles with high crash test scores get lower rates. Highly rated vehicles have better occupant injury protection and lower injury rates means lower claim amounts and thus lower rates. If your Mercury Mariner is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
- Don’t skimp on liability coverage – The liability section of your policy will provide protection if you are responsible for physical damage or personal injury to other. It will provide legal defense coverage to defend your case. It is affordable coverage when compared to the cost of physical damage coverage, so drivers should carry high limits.
- High performance equals high rates – The type of car you need to insure makes a big difference in the rate you pay. Because the Mercury Mariner is classified as a standard SUV, insuring your vehicle will cost slighty more than the average rate where you live. Small economy passenger models usually have the lowest premiums, but many other things help determine your insurance rates.
Find cheaper rates by being thorough
You just read many ideas to shop for Mercury Mariner insurance online. The key thing to remember is the more you , the higher your chance of finding . You may even discover the lowest prices are with a lesser-known regional company. These smaller insurers may only write in your state and offer lower rates than their larger competitors like GEICO and State Farm.
As you shop your coverage around, make sure you don’t reduce needed coverages to save money. There have been many situations where consumers will sacrifice physical damage coverage only to find out that it was a big error on their part. The proper strategy is to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.
