View 2008 Mercury Mariner Hybrid Insurance Quotes

Want cheaper insurance coverage rates for your Mercury Mariner Hybrid? Trying to find cheaper insurance for your Mercury Mariner Hybrid can be a painful process, but you can use a few tricks and make it easy.

There is a better way to compare insurance coverage rates and you need to know the proper way to quote coverages for a new or used Mercury and find the lowest possible price from local insurance agents and online providers.

It is always a good idea to compare rates quite often because prices change regularly. Despite the fact that you may have had the best rates on Mariner Hybrid coverage last year the chances are good that you can find a lower rate today. So just forget anything you know (or think you know) about insurance coverage because it’s time to teach you the quickest way to save money, get proper coverage and the best rates.

Factors that can influence insurance rates for a Mercury Mariner Hybrid

Smart consumers have a good feel for the different types of things that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that can help you get better auto insurance rates.

  • Pleasure use saves money – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Autos used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance policy is rated on the correct driver usage. Incorrect usage on your Mariner Hybrid may be wasting your money.
  • Do you know you’re credit rating? – A driver’s credit rating is a big factor in determining your rates. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower ratings. Therefore, if your credit history can use some improvement, you could pay less to insure your 2008 Mercury Mariner Hybrid by spending a little time repairing your credit.
  • With age comes lower rates – Older drivers are more cautious drivers, tend to file fewer claims and receive fewer citations. Teen drivers are statistically proven to get distracted easily behind the wheel and because of this, their auto insurance rates are much higher.
  • Marriage pays dividends – Being married actually saves money on your auto insurance policy. Having a significant other usually means you are more mature and responsible and statistics show drivers who are married are more cautious.
  • An active claims history can cost you – If you file claims often, you can expect higher rates. Companies give better rates to insureds who are claim-free. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • How many coverages with the same company – Some insurers give discounts to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to five, ten or even twenty percent. Even if you’re getting this discount you still need to comparison shop to confirm you are receiving the best rates possible. Drivers may still find a better deal by insuring with multiple companies.
  • Poor driving leads to higher costs – Drivers with clean records receive lower rates than people who have multiple driving citations. Even a single speeding ticket may increase your cost by as much as thirty percent. Drivers with severe tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
  • Your auto insurance rates can be influenced by your job – Occupations like lawyers, executives and dentists tend to have the highest average rates because of high stress levels and lots of time spent at work. Other professions such as farmers, historians and the unemployed receive lower rates on Mariner Hybrid coverage.

How to Get Car Insurance

Comparing car insurance rates can take time and effort if you aren’t aware of the most efficient way to do it. You could spend the better part of a day talking to local insurance agents in your area, or you could save time and use the web to quickly compare rates.

Many insurance companies participate in an industry program where prospective buyers send in one quote, and each company can provide price quotes. This eliminates the need for form submissions for each company you want a rate for.

To get comparison pricing now click here (opens in new window).

The only drawback to doing it this way is you can’t choose which carriers you will receive quotes from. So if you want to choose from a list of companies for rate comparison, we have a page of companies who write car insurance in your area. View list of insurance companies.

Which method you use is up to you, but make darn sure you compare the exact same coverage information for every company. If your comparisons have different deductibles then you won’t be able to find the best deal for your Mercury Mariner Hybrid.

Can switching companies really save?

Consumers can’t get away from ads that promise big savings from the likes of State Farm and Allstate. They all have a common claim that you’ll save big if you switch your coverage to them.

How does each company make almost identical claims? This is how they do it.

Insurance companies are able to cherry pick for the driver they prefer to insure. An example of a profitable customer could be between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. Any driver who matches those parameters will get very good rates and therefore will cut their rates substantially.

Potential customers who are not a match for this ideal profile will be charged a higher premium and ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” save money. This is how insurance companies can confidently advertise the savings.

That is why drivers must compare many company’s rates. It is impossible to predict which company will provide you with the cheapest Mercury Mariner Hybrid insurance rates.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, but there are discounts available to reduce the price significantly. Certain discounts will be applied when you quote, but a few need to be requested specifically prior to getting the savings. If you don’t get every credit possible, you’re paying more than you need to.

  • No Claims – Drivers with accident-free driving histories can earn big discounts when compared with frequent claim filers.
  • Discount for Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • Discount for Swiching Early – Some companies give discounts for switching policies before your current policy expires. The savings is around 10%.
  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Sign Online – A few companies will give a small break simply for signing over the internet.
  • Distant Student – Kids in college living away from home attending college without a vehicle on campus can receive lower rates.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.

Keep in mind that most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. But any discount will reduce your premiums.

Companies who might offer these benefits are:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Some discounts may not apply in your area.

How do I know if I need professional advice?

When it comes to buying coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different.

For example, these questions can help discover if your insurance needs might need an agent’s assistance.

  • What vehicles should carry emergency assistance coverage?
  • Will my insurance pay for OEM parts?
  • Should I buy additional glass protection?
  • What are the financial responsibility laws in my state?
  • Is my custom paint covered by insurance?
  • Do I need rental car coverage?
  • Does my 2008 Mercury Mariner Hybrid qualify for pleasure use?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Auto insurance coverage options for a Mercury Mariner Hybrid

Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This will pay to fix damage OTHER than collision with another vehicle or object. 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 theft, fire damage, damage from flooding and hitting a bird. The maximum payout your auto insurance company will pay 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.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Mercury Mariner Hybrid.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently these limits are similar to your liability insurance amounts.

Coverage for liability

Liability insurance will cover damage or injury you incur to a person or their property. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like repair bills for other people’s vehicles, repair costs for stationary objects and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with another moving vehicle, colliding with a tree and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses like nursing services, surgery and chiropractic care. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

One last thing about your coverage

We just presented many ideas to save on 2008 Mercury Mariner Hybrid insurance. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the best price on insurance is with a small local company.

Drivers who switch companies do it for a number of reasons such as denial of a claim, not issuing a premium refund, delays in paying claims or even extreme rates for teen drivers. It doesn’t matter why you want to switch choosing a new company is easier than you think.

While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced collision coverage only to discover later that it was a big error on their part. The aim is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Additional insurance information can be found at these links: