2009 Mercury Mariner Insurance Rates

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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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Have you had enough of trying to scrape together enough money each month for car insurance? You’re in the same situation as most other car owners. There are many insurance companies to insure vehicles with, and although it’s nice to have multiple companies, so many choices can make it hard to adequately compare rates.

Consumers need to shop coverage around every six months due to the fact that insurance rates are usually higher with each renewal. Just because you found the best deal on Mariner insurance a year ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to how to use the internet to get good coverage at a lower rate.

Finding affordable coverage is quite easy. If you have a policy now or are shopping for new coverage, you can learn to reduce the price you pay and still get good coverage. Drivers just need to understand the best way to get comparison rates on the web.

Mercury Mariner rates are in the details

It’s important that you understand the rating factors that go into determining your car insurance rates. Understanding what influences your rates helps enable you to make changes that can help you get big savings.

  • Safer cars are cheaper to insure – Vehicles with good safety scores get lower rates. The safest vehicles protect occupants better and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Mercury Mariner has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Careful drivers pay lower rates – Your driving citation history has a huge affect on how much you pay. Just one ticket can increase rates twenty percent or more. Good drivers have lower premiums compared to drivers with tickets. Drivers who have flagrant citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with the DMV in their state in order to keep their license.
  • Your job and insurance rates – Did you know that where you work can have an impact on rates? Careers like doctors, business owners and accountants tend to pay higher rates than average due to high stress and lots of time spent at work. On the flip side, professions such as scientists, athletes and homemakers have the lowest average rates on Mariner insurance.
  • With age comes lower rates – Teenage drivers tend to be more careless when driving so car insurance rates are higher. If you’ve ever had to add a youthful driver to your policy can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations.
  • Extra add-on coverages are wasting money – There are a lot of add-on coverages you can purchase when buying car insurance. Coverages for vanishing deductibles, better glass coverage and motor club memberships may be wasting your money. They may seem good at first, but if you don’t need them eliminate them to save money.
  • The more you drive the more you pay – Driving more miles each year the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based on their usage. Autos not used for work or commuting can get a lower rate than those used for commuting. Ask your agent if your car insurance coverage properly reflects the proper vehicle usage, because it can save money. Incorrect usage on your Mariner may be wasting your money.
  • Protect yourself with liability coverage – Your policy’s liability coverage is the coverage that protects you if ever you are found to be at fault for causing damage or personal injury in an accident. It will provide you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.

Insurance Coverage Comparison Rates

Cutting your insurance coverage rates doesn’t have to be difficult. The only requirement is to take a couple of minutes comparing rate quotes from different insurance companies. This can be done in just a few minutes using one of these methods.

Probably the best way to get quotes is an all-inclusive rate comparison click to view form in new window. This form prevents you from having to do separate forms for each company you want a rate for. Just one form will return price quotes from multiple companies.

A different way to compare prices is going to the website for every company you want to comare and complete a new quote form. For examples sake, let’s say you want to compare rates from USAA, Liberty Mutual and GEICO. To find out each rate you need to go to every website and enter your information, which is why most consumers use the first method.

For a handy list of car insurance company links in your area, click here.

The least recommended method to get comparison rates is to waste gas driving to and from local insurance agencies. The internet has reduced the need for local agents unless you want the personal advice only provided by licensed agents. You can, however, compare online quotes but still have the advice of a local agent. We’ll cover that shortly.

Whichever way you use, double check that you are using apples-to-apples information with each company. If you are comparing different liability limits you will not be able to truly determine the lowest rate.

Save 15 percent in 15 minutes? Is it for real?

Consumers constantly see and hear ads for car insurance savings from the likes of State Farm and Allstate. They all seem to say the same thing of big savings if you move your coverage to them.

How do they all make the same claim?

All companies have a certain “appetite” for the type of customer that makes them money. An example of a profitable customer might be profiled as between 25 and 40, a clean driving record, and has a high credit rating. A propective insured who fits that profile is entitled to the best price and is almost guaranteed to save quite a bit of money when switching.

Potential customers who are not a match for the “perfect” profile will be charged more money which leads to business going elsewhere. The ads say “customers who switch” but not “drivers who get quotes” save that kind of money. This is how insurance companies can claim big savings. That is why drivers must compare many company’s rates. It’s not possible to predict the company that will have the lowest Mercury Mariner insurance rates.

Do you qualify for a discount?

Companies that sell car insurance don’t always publicize every available discount in a way that’s easy to find, so we took the time to find some of the more common and the harder-to-find ways to save on insurance. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Club Memberships – Belonging to a civic or occupational organization could trigger savings when shopping for insurance on Mariner insurance.
  • Save over 55 – If you qualify as a senior citizen, you may qualify for reduced rates on Mariner insurance.
  • Early Switch Discount – Select companies give a discount for switching to them before your current policy expires. It’s a savings of about 10%.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Student in College – Youth drivers living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Low Mileage – Keeping the miles down on your Mercury can earn better rates on cars that stay parked.
  • Accident Forgiveness – Certain companies will forgive one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • E-sign – Some insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% on Mariner insurance with certain companies.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.

To see a list of insurance companies offering insurance discounts, click here.

What coverages do I need?

When it comes to buying proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

  • Do I need roadside assistance coverage?
  • Do I have newly-aquired coverage?
  • Why do I need rental car insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is a fancy paint job covered?
  • Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Educate yourself about insurance coverages

Having a good grasp of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as theft, falling objects and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for liability

Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as attorney fees, bail bonds, repair costs for stationary objects and emergency aid. How much coverage you buy is up to you, but consider buying as large an amount as possible.

UM/UIM Coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision insurance

Collision insurance will pay to fix damage to your Mariner caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, scraping a guard rail, sustaining damage from a pot hole, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like funeral costs, nursing services, prosthetic devices and pain medications. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

You can do this!

We’ve covered a lot of tips how to shop for 2009 Mercury Mariner insurance online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the most savings is with the smaller companies. Smaller companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.

Affordable insurance is definitely available online as well as from independent agents, and you need to price shop both to get a complete price analysis. There are still a few companies who don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

To learn more, feel free to browse these articles:

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