2005 Mercury Mariner Car Insurance Rates – 8 Ideas for Best Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Searching for better insurance rates for your Mercury Mariner? Having to pay for overpriced Mercury Mariner insurance can empty your personal savings and make it hard to pay other bills. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill. Big companies like GEICO, 21st Century and Progressive increase brand awareness with advertising and it can be hard to see past the geckos and flying pigs and take the time to shop coverage around.

If you have a current insurance policy or are looking for a new policy, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Choosing the best insurance company for you is not that difficult. Vehicle owners only need to know the most efficient way to buy insurance online.

How to Compare Insurance

All major insurance companies such as Progressive, GEICO, Allstate and State Farm provide prices on their websites. Getting online quotes doesn’t take a lot of time as you just type in your required coverages into a form. When the form is submitted, their system will obtain your driving and credit reports and generates a price based on these factors. This simplifies rate comparisons, but having to visit a lot of sites and fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to get many rate quotes if you want to find the lowest insurance rates.

The easy way to compare rates

A more efficient way to lower your insurance bill uses one form to return rates from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes rate comparisons much simpler. As soon as the form is sent, it is quoted and you can select any of the pricing results. If you find a better price you simply finish the application and buy the policy. It only takes a few minutes and can result in significant savings.

In order to find out if lower rates are available, click here and submit the form. If you currently have coverage, we recommend you enter deductibles and limits exactly as shown on your declarations page. Using the same limits helps guarantee you’re receiving an apples-to-apples comparison using the same coverage and limits.

Save $439 a year. For real?

Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of Progressive, GEICO, Allstate and State Farm. All the ads make the same claim that you’ll save big after switching your coverage to them.

How does each company make the same claim?

All the different companies have a certain “appetite” for the type of customer they prefer to insure. For example, a profitable customer might be profiled as between 25 and 40, has no tickets, and has great credit. Any new insured who meets those qualifications gets the lowest rates and therefore will save when switching.

Drivers who are not a match for the requirements must pay higher prices which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can claim big savings. This illustrates why it’s extremely important to get quotes from several different companies. It is impossible to predict the company that will have the lowest Mercury Mariner insurance rates.

Companies offer discounts so take them!

Companies offering auto insurance don’t always publicize all their discounts in an easy-to-find place, so we took the time to find both well-publicized and the harder-to-find insurance savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • One Accident Forgiven – Certain companies will forgive one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Own a Home – Being a homeowner may earn you a small savings because owning a home demonstrates responsibility.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Accident Free – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
  • Life Insurance Discount – Larger companies have a break if you buy life insurance.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way.

A partial list of companies that may offer these discounts include:

Check with every prospective company which discounts they offer. All car insurance discounts may not be available in every state.

Do I just need basic coverages?

When choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different so this has to be addressed. These are some specific questions can aid in determining whether you could use an agent’s help.

  • What vehicles should carry emergency assistance coverage?
  • How can I force my company to pay a claim?
  • Do I have any recourse if my insurance company denies a claim?
  • If my pet gets injured in an accident are they covered?
  • Does liability extend to a camper or trailer?
  • Is motorclub coverage worth it?
  • What is no-fault insurance?
  • Is my Mercury Mariner covered if I use it for business?
  • Is my 2005 Mercury Mariner covered for smoke damage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Specifics of your car insurance policy

Having a good grasp of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average car insurance policy.

Collision insurance

This covers damage to your Mariner resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mercury Mariner.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical costs insurance

Med pay and PIP coverage pay for bills such as hospital visits, surgery, chiropractic care and doctor visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers 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 is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, falling objects, rock chips in glass and hitting a deer. The most 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 it’s not worth carrying full coverage.

Liability coverages

Liability coverage will cover damages or injuries you inflict on other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as funeral expenses, structural damage, repair costs for stationary objects, loss of income and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Save for a rainy day

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage for the lowest price.

Budget-conscious 2005 Mercury Mariner insurance can be sourced online in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance providers do not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

We just showed you a lot of techniques to save on insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the lowest premiums are with an unexpected company. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm and Allstate.

Even more information can be found by following these links:

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