Affordable Insurance for a Mercury Mariner in Chandler

How many times have you said it’s time to compare low-cost Mercury Mariner insurance in Chandler? Saving money on Mercury Mariner insurance in Chandler could be difficult for drivers not familiar with comparison shopping online. With such a large number of online companies available, it can turn into a big hassle to find more affordable Mercury Mariner insurance rates.

Steps to finding cheaper quotes for Mercury Mariner insurance in Chandler

It takes a few minutes, but the best way to find lower priced car insurance rates in Chandler is to compare prices at least once a year from insurers who provide car insurance in Arizona. Drivers can shop around by completing these steps.

First, take a few minutes and learn about car insurance and the things you can change to prevent expensive coverage. Many factors that cause high rates such as at-fault accidents, speeding tickets, and a negative credit score can be rectified by improving your driving habits or financial responsibility. This article gives additional tips to find cheap prices and get additional discounts that may be available.

Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from a single company like Progressive or Allstate, while agents who are independent can provide rate quotes for a wide range of companies. Start a quote

Third, compare the new quotes to the price on your current policy to see if switching to a new carrier will save money. If you find better rates and make a switch, ensure there is no coverage lapse between policies.

Fourth, provide notification to your current company to cancel your current car insurance policy and submit payment along with a signed and completed policy application to the new company. When you receive it, keep the new certificate of insurance along with your vehicle registration.

One piece of advice is that you use identical coverages on every price quote and and to get rates from as many car insurance companies as possible. Doing this ensures the most accurate price comparison and a complete rate analysis.

Insurance quote for Mercury Mariner in ChandlerAmazingly, a recent study showed that most car insurance policyholders kept buying from the same company for well over three years, and nearly half have never compared quotes from other companies. The average driver in Arizona could save up to $700 each year by just shopping around, but they just assume it’s a time-consuming process to find cheaper rates by getting comparison quotes.

It’s a great practice to compare premium rates before your policy renews because rates are rarely the same from one policy term to another. Even if you got the best rate on Mercury Mariner insurance in Chandler at your last renewal a different company probably has better prices today. You can search a lot of Mariner insurance on the internet, but by reading this article, you’re going to learn some tested techniques to stop overpaying for insurance in Chandler.

Six factors that affect insurance rates

Many different elements are used in the calculation when you get a price on insurance. Some of the criteria are obvious like your driving record, although some other factors are less obvious such as your marital status or your vehicle rating. Smart consumers have a good feel for some of the factors that play a part in calculating your policy premiums. If you have some idea of what determines premiums, this enables informed choices that may result in cheaper rates.

The list below includes most of the major factors companies use to determine rates.

Careless driving means higher premiums – Your driving record impacts premiums far more than you think. Only having one driving citation can increase the cost of insurance by as much as twenty percent. Careful drivers get better rates than people who have multiple driving citations. Drivers with dangerous violations such as reckless driving or DUI are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.

The information below shows how violations and at-fault fender-benders can drive up Mercury Mariner auto insurance costs for different insured age categories. The premium estimates are based on a married male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

How many coverages with the same company – Most insurers allow a discount to customers that have more than one policy in the form of a multi-policy discount. The amount of the discounts can be ten or even up to twenty percent in some cases. Even with this discount, it’s in your best interest to check prices from other companies to make sure you are getting the best deal.

Get cheaper costs if you’re married – Your spouse can actually save you money on your insurance bill. Having a spouse demonstrates that you tend to be more financially stable and statistics prove married drivers tend to have fewer serious accidents.

Older drivers save more – More experienced drivers tend to be more responsible, cause fewer claims and accidents, and are generally more financially stable. Inexperience drivers are known to be careless and easily distracted when at the wheel of a vehicle therefore insurance rates are much higher.

The data below assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Drive less and save – Driving a lot of miles in a year the more you’ll pay to insure it. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks that sit idle most of the time receive lower rates as compared to vehicles used primarily for driving to work. Double check that your insurance policy properly reflects the correct driver usage, because improper ratings can cost you money. An improperly rated Mariner can cost quite a bit.

Gender matters – Statistics demonstrate that women are safer drivers than men. The data does not necessarily mean that women are better drivers. Males and females are responsible for auto accidents at about the same rate, but men have accidents that have higher claims. Men also statistically have more aggressive citations like DUI and reckless driving. Males from age 16 to 21 are several times more likely to be in an accident and thus pay the highest rates.

The diagram below visualizes the comparison of Mercury Mariner insurance costs for male and female drivers. The costs are based on a clean driving record, no claims, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Insurance coverage analysis

The premium information shown next outlines detailed analysis of insurance rates for Mercury Mariner models. Being able to understand how premiums are calculated can be of help when making smart choices when selecting a coverage provider.

Mercury Mariner Insurance Rates in Chandler, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $124 $208 $288 $18 $86 $724 $60
Mariner Premier 2WD $124 $252 $288 $18 $86 $768 $64
Mariner AWD $124 $252 $288 $18 $86 $768 $64
Mariner Hybrid 2WD $124 $298 $338 $20 $102 $882 $74
Mariner Premier AWD $138 $252 $288 $18 $86 $782 $65
Mariner Hybrid AWD $138 $298 $338 $20 $102 $896 $75
Get Your Own Custom Quote Go

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Prices do not factor in zip code location which can decrease or increase premiums significantly.

Should you raise deductibles?

One of the more difficult decisions when buying auto insurance is how high or low should comp and collision deductibles be. The comparisons below can help you understand how much more you’ll pay between high and low comp and collision deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Mercury Mariner insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $232 $320 $254 $16 $76 $923 $77
Mariner Premier 2WD $232 $390 $254 $16 $76 $993 $83
Mariner AWD $232 $390 $254 $16 $76 $993 $83
Mariner Hybrid 2WD $232 $460 $300 $18 $90 $1,125 $94
Mariner Premier AWD $262 $390 $254 $16 $76 $1,023 $85
Mariner Hybrid AWD $262 $460 $300 $18 $90 $1,155 $96
Get Your Own Custom Quote Go

Mercury Mariner insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $188 $258 $254 $16 $76 $792 $66
Mariner Premier 2WD $188 $314 $254 $16 $76 $848 $71
Mariner AWD $188 $314 $254 $16 $76 $848 $71
Mariner Hybrid 2WD $188 $370 $300 $18 $90 $966 $81
Mariner Premier AWD $212 $314 $254 $16 $76 $872 $73
Mariner Hybrid AWD $212 $370 $300 $18 $90 $990 $83
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price information does not factor in specific location which can alter auto insurance rates significantly.

Based on these figures, using a $250 deductible costs an average of $12 more each month or $144 every year averaged for all Mariner models than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at a minimum 21 months between claim filings, you would probably be better off going with the higher deductible.

How to decide to raise your deductibles

Average monthly premium for $250 deductibles: $86
Average monthly premium for $500 deductibles (subtract): – $74
Monthly savings from raising deductible: $12
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One thing to note is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you do file a claim. It will be required that you have enough money put aside in order to pay the higher deductible in order to repair your vehicle.

Does it make sense to buy full coverage?

The example below visualizes the comparison of Mercury Mariner insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume a clean driving record, no claims, $250 deductibles, single status, and no discounts are factored in.

When to drop comp and collision

There isn’t a steadfast formula to stop paying for physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Mercury Mariner replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,000 after the deductible is paid. If it’s costing you more than $800 annually for your policy with full coverage, then it may be the right time to buy liability only.

There are a few situations where eliminating full coverage is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage.

Car insurance discounts are available to lower rates

Some insurers don’t always list all discounts very well, so we break down both well-publicized and the harder-to-find car insurance savings.Car insurance discounts

One last thing about discounts, some credits don’t apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, that’s just not realistic. Any amount of discount will cut your policy cost.

The example below illustrates the comparison of Mercury Mariner auto insurance costs with and without discounts applied. The prices are based on a female driver, no claims, a clean driving record, Arizona 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, multi-policy, marriage, and safe-driver discounts applied.

Some of the larger companies that possibly offer some of the above discounts include:

If you need lower rates, check with all the companies which discounts you may be entitled to. Discounts might not apply in Chandler. To view car insurance companies with the best discounts in Arizona, click here.

Best auto insurance company in Chandler

Choosing the highest-rated auto insurance company can be challenging considering how many choices drivers have in Arizona. The company information below may help you select which auto insurance companies you want to consider buying from.

Top 10 Chandler Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

You can find cheap coverage

People who switch companies do it for a number of reasons such as high prices, policy cancellation, policy non-renewal or delays in responding to claim requests. It doesn’t matter what your reason, finding a new car insurance company is pretty easy and you might even save some money in the process.

In this article, we covered a lot of techniques to get a better price on Mercury Mariner insurance in Chandler. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest priced car insurance comes from a small local company.

The cheapest Mercury Mariner insurance in Chandler can be purchased on the web and with local Chandler insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who may not offer online quoting and these regional carriers sell through local independent agencies.

Steps to finding cheaper rates for Mercury Mariner insurance in Chandler

If you want to save the most money, the best way to get budget car insurance rates in Chandler is to start comparing prices regularly from companies that insure vehicles in Arizona.

Step 1: Try to comprehend individual coverages and the factors you can control to prevent expensive coverage. Many policy risk factors that result in higher prices like high-risk driving behaviors and an imperfect credit rating can be controlled by paying attention to minor details.

Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like GEICO and State Farm, while agents who are independent can provide rate quotes from multiple insurance companies.

Step 3: Compare the new rate quotes to your current policy premium to see if a cheaper rate is available. If you find better rates and make a switch, ensure coverage does not lapse between policies.

A crucial key to this process is to make sure you enter similar limits and deductibles on every quote request and to quote with as many carriers as you can. Doing this guarantees a level playing field and a better comparison of the market.

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