Save on Mercury Mariner Insurance in Phoenix

How many times have you said it’s time to compare more affordable Mercury Mariner insurance in Phoenix? Wish you could get a refund on an expensive auto insurance policy? Don’t feel bad because you’re not the only one.

Sad but true, the vast majority of consumers renewed their policy with the same company for four years or more, and approximately 40% of consumers have never compared rates to find cheap insurance. Many drivers in Phoenix can save hundreds of dollars each year just by comparing rates, but they mistakenly think it’s difficult to compare rates online. Big companies like GEICO and Progressive all claim big savings with catchy ads and it is challenging if not impossible to see past the geckos and flying pigs and effectively compare rates to find the best deal.

It’s a good habit to price shop coverage as often as possible because auto insurance prices go up and down regularly. If you had the lowest rates on Mercury Mariner insurance in Phoenix on your last policy a different company probably has better premium rates today. Block out anything you think you know about auto insurance because you’re about to find out how to use online quotes to buy cheaper Mercury Mariner insurance in Phoenix.

Auto insurance providers offering cheap rates in Arizona

The companies shown below can provide quotes in Arizona. If multiple companies are listed, it’s highly recommended you get rates from several of them in order to get a fair rate comparison.

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate information does not factor in your specific Phoenix location which can impact rates greatly.

Full coverage versus liability-only

The illustration below illustrates the comparison of Mercury Mariner annual premium costs with full coverage and liability only. The rate quotes are based on no accidents or driving violations, $100 deductibles, married female driver, and no policy discounts are applied.

When to stop buying physical damage coverage

There is no written rule to eliminate physical damage coverage, but there is a general convention. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s say your Mercury Mariner replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,000 after paying your policy deductible. If premium cost is more than $500 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some scenarios where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not remove full coverage.

Physical damage deductible comparison

One of the hardest decisions when shopping for auto insurance is where to set your physical damage deductibles. The comparisons below approximate the premium difference between high and low deductibles. The first set of prices uses a $100 deductible for comp and collision and the second set of rates uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rate information does not factor in specific Phoenix garaging location which can raise or lower premiums greatly.

Using the premium rates above, we can conclude that using a $100 deductible costs an average of $31 more each month or $372 each year than quoting the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 29 months between claims, you would come out ahead if you choose the higher deductible.

Policy deductibles

The information below shows how choosing a deductible and can raise or lower Mercury Mariner premium costs for each age group. The prices are based on a single female driver, full physical damage coverage, and no policy discounts are applied.

Six Things That Determine Your Insurance Premiums

A large part of saving on insurance is knowing some of the things that are used to determine your premiums. When you understand what determines base rates, this enables informed choices that can earn you better insurance rates. Many things are used when you get a price on insurance. Some factors are common sense such as your driving record, but some are not quite as obvious like where you live or your financial responsibility.

The items below are just a few of the factors insurance companies consider when setting your prices.

Premiums can be impacted by your occupation – Do you work in a high-stress field? Occupational choices like real estate brokers, business owners and miners usually pay higher rates than average because of intense work-related stress and lengthy work days. Conversely, professions such as actors, engineers and retirees pay lower than average rates.

Your location is important – Being located in less populated areas is a good thing if you are looking for the lowest rates. People who live in big cities have congested traffic and longer commutes to work. Fewer drivers and short commutes translates into fewer accidents and a lower car theft rate.

Little extras can really add up – Policies have extra coverages that can add up when buying insurance. Insurance for things like coverage for rental cars, towing coverage, and membership fees are probably not needed. They may sound like good ideas at first, but if you have no use for them consider taking them off your policy.

Improve your credit history and save – Having a good credit history can be an important factor in determining your rates. If your credit history is not that good, you could potentially save money when insuring your Mercury Mariner by spending a little time repairing your credit. People with very good credit scores tend to file fewer claims than drivers who have worse credit.

Insurance lapses lead to higher insurance rates – Not having insurance is a big no-no and insurance companies will penalize you for letting your coverage cancel without a new policy in place. Not only will you pay more, not being able to provide proof of insurance could result in fines or a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with the Arizona department of motor vehicles.

Do thieves like your car? – Choosing a vehicle with advanced anti-theft systems can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.

These discounts can cut Mercury Mariner insurance rates

The price of auto insurance can be rather high, but there may be some discounts that may help make it more affordable. A few discounts will automatically apply at the time of purchase, but some must be inquired about prior to receiving the credit.

• Accident Waiver – This isn’t a discount exactly, but certain companies will forgive one accident before raising your premiums if your claims history is clear for a set time period.
• Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
• Discount for Home Ownership – Owning a home in Phoenix may trigger a policy discount on insurance because it requires personal responsibility.
• Defensive Driving Course – Taking a driver safety course could earn you a small percentage discount if your company offers it.
• Save with a New Car – Buying a new car model may earn a small discount due to better safety requirements for newer models.
• Student Driver Training – Cut your cost by having your teen driver enroll and complete driver’s education if offered at their school.
• Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% than their less cautious counterparts.
• Renewal Discounts – Select insurance companies give a discount for switching to them prior to the expiration date on your current Mariner insurance policy. It could save around 10% when you buy Phoenix auto insurance online.
• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency so companies will give you a small discount.

Don’t be shocked that most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way.

To locate insurance companies that can offer you the previously mentioned discounts in Arizona, follow this link.

Comparing quotes from local Phoenix auto insurance agents

Some consumers would prefer to get advice from a local agent and doing that can be a smart decision Professional insurance agents are highly skilled in risk management and help you file claims. An additional benefit of price shopping on the web is you can get cheaper auto insurance rates but still work with a licensed agent. Buying from local agents is definitely important in Phoenix.

After filling out this short form, your information is instantly submitted to participating agents in Phoenix that provide free Phoenix auto insurance quotes to get your business. It’s much easier because you don’t need to search for an agent as quotes are delivered to you directly. If you wish to compare rates from a specific insurance company, feel free to jump over to their website and give them your coverage information.

When researching a reliable insurance agent, it’s helpful to know the types of agencies and how they differ in how they can insure your vehicles. Agencies in Phoenix are categorized either independent agents or exclusive agents. Either one can sell car insurance policies, but we need to point out the difference in how they write coverage since it can affect your agent selection.

Independent Insurance Agents

These type of agents often have affiliation with several companies and that enables them to quote your coverage with an assortment of companies and get the cheapest rates. If you are not satisfied with one company, an independent agent can move your coverage which requires no work on your part.

When searching for an agent, you should always include rate quotes from at a minimum one independent agency in order to have the best price comparison.

The following is a partial list of independent insurance agents in Phoenix that may be able to give price quotes.

View more Phoenix agents

Exclusive Insurance Agents

Agents in the exclusive channel can only provide pricing for a single company and some examples include Allstate, State Farm and Farm Bureau. They generally cannot shop your coverage around so you need to shop around if the rates are high. Exclusive agents receive a lot of sales training on what they offer and that enables them to sell even at higher rates.

Shown below is a short list of exclusive agents in Phoenix that are able to give rate quotes.

View more Phoenix agents

Finding the right insurance agent shouldn’t rely on just the quoted price. Here are some questions you might want to ask.

• Does the quote include credit and driving reports?
• How long have they been in business?
• Do they review policy coverages at every renewal?
• Which insurance company do they prefer to write with?
• Is the agent properly licensed in Arizona?
• Are they paid to recommend certain coverages?
• What is the agency’s Better Business Bureau rating?

Once you have good feedback to these questions as well as a price you’re happy with, chances are good that you have found a car insurance agent that meets the requirements to provide car insurance coverage. Just remember you are entitled to cancel coverage any time you want so never assume you are locked into a policy with no way out.

It’s not one size fits all

When quoting and choosing coverage online or from an agent for your personal vehicles, there is no “perfect” insurance plan. Your financial needs are unique.

For instance, these questions might point out whether you might need an agent’s assistance.

• What policy terms are available?
• Does my car insurance cover rental cars?
• Do I have coverage when pulling a U-Haul trailer?
• Am I covered when driving someone else’s vehicle?
• Do I have ACV or replacement cost coverage?
• What is the minimum liability in Arizona?
• Do I have coverage for damage caused while driving under the influence?
• If my Mercury Mariner is totaled, can I afford another vehicle?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Don’t give up on cheap premiums

As you quote Phoenix auto insurance, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.

We covered a lot of techniques to save on Mercury Mariner insurance in Phoenix. It’s most important to understand that the more times you quote, the better your chances of lowering your car insurance rates. You may even find the lowest rates are with some of the smallest insurance companies.

Some companies don’t offer the ability to get quotes online and most of the time these regional insurance providers only sell through local independent agents. Lower-priced insurance in Phoenix can be sourced from both online companies as well as from independent agents in Phoenix, and you should be comparing both to have the best rate selection.

Much more information about insurance in Arizona can be found on the following sites:

• Auto Crash Statistics (Insurance Information Institute)
• Who Has the Cheapest Auto Insurance Rates for a School Permit in Phoenix? (FAQ)
• Who Has Cheap Phoenix Auto Insurance Quotes for Homeowners? (FAQ)
• Rental Car Insurance Tips (Insurance Information Institute)
• Liability Insurance Coverage (Nationwide)
• Teen Driving Statistics (iihs.org)
• Teen Driving and Texting (State Farm)