Cheapest El Paso Mercury Mariner Insurance

The easiest way to save money on Mercury Mariner insurance is to start comparing prices regularly from insurance carriers in El Paso. You can shop around by following these guidelines.

1. Gain an understanding of what coverages are included in your policy and the things you can control to keep rates in check. Many rating factors that drive up the price like traffic tickets, fender benders, and an unacceptable credit rating can be rectified by making lifestyle changes or driving safer. Continue reading for additional ideas to lower rates and get discounts that may be available to you.
2. Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like GEICO or Farmers Insurance, while independent agents can provide rate quotes for a wide range of companies. Click to view companies
3. Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find a better price and buy the policy, make sure coverage is continuous and does not lapse.
4. Provide proper notification to your current company of your intention to cancel your current auto insurance policy and submit payment and a completed application to your new carrier. Make sure you keep your new certificate verifying proof of insurance somewhere easily accessible.

One key aspect when comparing rates is to compare the same level of coverage on every quote request and and to get prices from every insurance company. Doing this helps ensure an accurate price comparison and a complete rate analysis.

Regrettably, almost 70% of insureds in Texas have purchased from the same company for at least the last four years, and almost half have never compared rate quotes at all. Drivers in the United States could save nearly $860 a year by just shopping around, but they don’t want to spend time to compare rate quotes.

If you have coverage now, you will definitely be able to shop for the lowest rates using the ideas you’re about to read. Buying the cheapest car insurance in El Paso is much easier if you know where to start. Although Texas drivers must understand how big insurance companies sell insurance online and use it to find better rates.

Where can I get affordable El Paso Mercury Mariner insurance?

The are a couple different ways of comparing rate quotes from lots of Texas insurance companies. The simplest method to find the lowest Mercury Mariner rates consists of shopping online.

It’s so simple to compare insurance quotes online takes the place of having to actually drive to insurance agencies in your area. Comparing online rate quotes makes this unnecessary unless you prefer the extra assistance of an agent trained in personal lines coverage. Although, it is possible comparison shop your insurance online but have your policy serviced through an agent.

Just remember that more quotes helps locate a better price. Not every company does online El Paso Mariner insurance quotes, so it’s recommended that you also compare quotes from the smaller companies as well.

The companies shown below offer free rate quotes in El Paso, TX. If several companies are displayed, we recommend you get price quotes from several of them to get the best price comparison.

Insuring your Mariner just makes sense

Despite the high cost, insuring your vehicle may be mandatory for several reasons.

• Just about all states have compulsory liability insurance requirements which means state laws require specific minimum amounts of liability insurance coverage in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your Mercury Mariner with a loan, most banks will stipulate that you have insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Mercury for a lot more money and make you pay a much higher amount than you were paying before.
• Insurance safeguards your Mercury and your assets. It also can pay for medical bills that are the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If mother nature or an accident damages your car, your policy will pay all costs to repair after the deductible has been paid.

The benefits of buying insurance greatly outweigh the cost, especially when you need to use it. As of last year, the average driver in Texas is wasting up to $830 a year so it’s recommended you shop around each time the policy renews to help ensure money is not being wasted.

Rates and data analysis

The rate information below outlines detailed analysis of insurance costs for Mercury Mariner models. Learning as much as possible about how auto insurance premiums are formulated can aid in making decisions when choosing a new policy provider.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rates do not factor in specific location information which can lower or raise auto insurance rates greatly.

Physical damage deductible comparison

One common question asked by El Paso drivers is how high should the deductibles for physical damage be. The data tables below may aid in understanding the costs and benefits when you choose different comp and collision deductibles. The first pricing table uses a $100 physical damage deductible and the second rate chart uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Prices do not factor in vehicle garaging location which can modify coverage prices greatly.

Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $26 more each month or $312 every year than buying the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at least 15 months between claims, you would most likely save money going with the higher deductible. Here is the way we made this calculation.

An important thing to remember is that a higher deductible level results in more money out-of-pocket at claim time. That will force you to have enough money put aside in order to pay the deductible for vehicle repair.

The illustration below illustrates how your choice of deductibles and can change Mercury Mariner yearly insurance costs for different age categories. The premiums assume a single female driver, comp and collision included, and no additional discounts are factored in.

How violations and accidents impact rates

The chart below illustrates how traffic citations and at-fault fender-benders can affect Mercury Mariner insurance prices for different age groups. The information is based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

Mercury Mariner liability rates compared to full coverage

The diagram below visualizes the comparison of Mercury Mariner yearly insurance costs with full physical damage coverage and with liability coverage only. The information is based on no driving violations, no at-fault accidents, $250 deductibles, single marital status, and no discounts are factored in.

When to drop comprehensive and collision coverage

There is no set guideline to stop paying for full coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Mercury Mariner settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after the policy deductible has been paid. If you are paying in excess of $300 annually for your policy with full coverage, then you might want to think about dropping full coverage.

There are a few cases where removing full coverage is not a good idea. If you haven’t satisfied your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Auto insurance policy discounts you can’t miss

The price of auto insurance can be rather high, but you might be missing out on some discounts to help bring down the price. Many discounts should be triggered at quote time, but a few must be asked for before you get the savings.

• Home Ownership Discount – Simply owning a home can get you a discount since home ownership means you have a higher level of financial diligence.
• Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20 to 30 percent.
• ABS Brakes – Cars and trucks that have steering control and anti-lock brakes have fewer accidents so companies give up to a 10% discount.
• Full Payment Discount – If you pay your bill all at once rather than paying monthly you can avoid the installment charge.
• Active Military Service – Having an actively deployed family member could be rewarded with lower auto insurance rates.
• Cautious Driver Discounts – Drivers who avoid accidents could pay up to 40% less as compared to drivers with claims.
• Onboard Data Collection – Insureds who allow companies to look at when and where they use their vehicle through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they exhibit good driving behavior.

Keep in mind that most credits do not apply to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck.

The information below shows the comparison of Mercury Mariner insurance prices with and without policy discounts. The premiums assume a female driver, no accidents or driving violations, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, marriage, multi-policy, and safe-driver discounts applied.

Insurance companies that may include some of the above discounts include:

• State Farm
• Farmers Insurance
• Progressive
• GEICO
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

Before purchasing a policy, check with every prospective company what discounts are available to you. All car insurance discounts may not apply to policies in your state.

Auto insurance is available from your local insurance agencies

Many drivers would prefer to talk to a local agent and that is a smart decision One of the benefits of price shopping on the web is you may find cheap auto insurance quotes and still choose a local agent. Supporting local agencies is important especially in El Paso.

After completing this quick form, your coverage information is instantly submitted to agents in your area who will return price quotes for your insurance coverage. You won’t need to search for an agent since price quotes are sent to your email. You can find lower rates without having to waste a lot of time. If you need to compare rates from a specific insurance company, you would need to go to their quote page and submit a quote form there.

Shown below is a short list of insurance companies in El Paso that can give you price quote information for Mercury Mariner insurance in El Paso.

View more El Paso agents

Finding the right insurance company should depend on more than just the bottom line cost. Get answers to these questions too.

• If independent agents, which companies do they recommend?
• What kind of financial rating does the company have?
• Can they help ensure a fair claim settlement?
• Can glass claims be handled at your home?
• Will the quote change when the policy is issued?
• Is the agency active in community causes in El Paso?

Insurance can be complex

When it comes to coverage online or from an agent for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that
Here are some questions about coverages that could help you determine if you might need an agent’s assistance.

• What does PIP insurance cover?
• Why am I required to buy liability insurance?
• When would I need rental car insurance?
• What is no-fault insurance?
• Does insurance cover tools stolen from my truck?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need replacement cost coverage on my Mercury Mariner?
• Can I still get insurance after a DUI?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Find cheap rates by being thorough

As you quote El Paso auto insurance, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your goal is to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.

In this article, we presented some good ideas how to shop for Mercury Mariner insurance online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even find the lowest prices come from a smaller regional carrier. Regional companies often have lower rates on specific markets than their larger competitors like State Farm or Progressive.

Additional information can be found below:

• Your Car has been Stolen: Now What? (Allstate)
• Learn About Car Insurance (GEICO)
• How to Avoid Buying a Flooded Car (Insurance Information Institute)
• How Can I Save Money on Auto Insurance? (Insurance Information Institute)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)