Auto Insurance Quotes for a Mercury Mariner in Kansas City

Inconceivable but true, a large majority of drivers kept buying from the same company for more than four years, and just short of a majority have never even shopped around for cheap coverage. Most drivers in Missouri could cut their rates by almost $300 a year, but they just don’t understand how much they could save if they switched to a cheaper policy.

Truthfully, the best way to get cheaper Mercury Mariner insurance in Kansas City is to make a habit of comparing prices annually from insurers in Missouri.

1. Try to comprehend how your policy works and the things you can change to drop your rates. Many rating factors that are responsible for high rates such as accidents, careless driving, and poor credit history can be remedied by making lifestyle changes or driving safer. Continue reading for more information to find cheap rates and find possible discounts that are available.
2. Get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like GEICO or Farmers Insurance, while independent agents can give you price quotes from multiple sources. Find a Kansas City insurance agent
3. Compare the new rate quotes to the premium of your current policy and see if you can save money. If you find a lower rate and make a switch, ensure coverage does not lapse between policies.

One important bit of advice is to make sure you enter identical limits and deductibles on each price quote and and to get quotes from every insurance company. This enables a fair price comparison and the best price selection.

Insurance analysis for a Mercury Mariner

The coverage information shown below showcases estimates of coverage costs for Mercury Mariner models. Having a good grasp of how prices are calculated can help customers make informed coverage decisions.

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium amounts do not factor in specific Kansas City garaging location which can change price quotes significantly.

Physical damage deductibles: Should you raise them?

The hardest decision when buying coverage is how high should the physical damage deductibles be. The following tables sum up the cost difference between high and low deductibles. The first table uses a $250 deductible and the second price table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rates do not factor in vehicle location which can impact premiums significantly.

We can estimate from the data above that using a $250 deductible costs approximately $20 more each month or $240 for a full year averaged for all Mariner models than buying the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 38 months between claim filings, you would save money by going with a higher deductible.

The diagram below shows how different deductible levels and can raise or lower Mercury Mariner insurance costs for different age groups. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

Responsible drivers pay cheaper Kansas City insurance rates

The diagram below illustrates how speeding tickets and accidents can increase Mercury Mariner insurance costs for different age groups. The data assumes a single female driver, comp and collision included, $100 deductibles, and no discounts are factored in.

Men versus women drivers and insurance cost

The diagram below shows the comparison of Mercury Mariner annual premium costs for male and female drivers. The costs are based on no violations or claims, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are applied.

Full coverage or liability only

The information below illustrates the difference between Mercury Mariner auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Missouri. The rates are based on no violations or accidents, $100 deductibles, drivers are not married, and no other discounts are factored in.

Are you wasting money on full coverage?

There is no clear-cut rule to eliminate physical damage coverage, but there is a general school of thought. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Mercury Mariner replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after paying your policy deductible. If you are paying in excess of $200 a year to have full coverage, then it’s probably a good time to buy liability coverage only.

There are some cases where dropping physical damage coverage is not in your best interest. If you haven’t paid off your loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Decisions You Make Can Impact Your Insurance Prices

It’s important that you understand the rating factors that play a part in calculating your car insurance rates. When consumers understand what controls the rates you pay, this allows you to make educated decisions that will entitle you to big savings. Many different elements are part of the equation when you get a price on insurance. Some are obvious such as your driving history, but other criteria are more transparent such as your marital status or your vehicle rating.

The factors shown below are some of the major factors companies use to determine your rates.

• You might want pay the small insurance claims yourself – If you’re an insured who likes to file claims you can definitely plan on either policy cancellation or increased premiums. Car insurance companies in Missouri generally give the lowest premiums to people who file claims infrequently. Insurance coverage is intended to be relied upon for the large, substantial claims.
• Where do you drive? – Driving a lot of miles each year the more it will cost to insure it. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Autos left parked in the garage can get a lower rate compared to those used for work or business. An incorrectly rated Mariner is throwing money out the window. Verify your car insurance coverage is showing the correct usage.
• Safety ratings are a factor – Safer cars tend to have better insurance rates. Safe vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims which can result in lower premiums. If the Mercury Mariner scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
• Qualify for multi-policy discounts – Some companies will give discounts to people who carry more than one policy such as combining an auto and homeowners policy. Even if you qualify for this discount already, consumers should still compare Mercury Mariner rates in Kansas City to help guarantee you have the best rates.
• Only buy add-on coverages you need – There are a lot of optional add-on coverages that you can buy but may not be useful. Insurance for personal injury protection, accident forgiveness, and term life insurance may be wasting your money. They may seem good when talking to your agent, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
• Higher premiums for policy lapses – Not maintaining insurance is against the law and you may have a hard time finding new coverage because you let your insurance lapse. Not only will you pay more, being ticketed for driving with no insurance might get you a fine, jail time, or a revoked license.
• Is your vehicle theft-ready? – Purchasing a vehicle that has a built-in theft deterrent system can help lower your rates. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms can help prevent vehicle theft.

Do the work, save more money

In this article, we covered quite a bit of information on how to shop for Mercury Mariner insurance online. The key concept to understand is the more quotes you get, the better likelihood of getting affordable Mercury Mariner insurance quotes. You may even find the best price on insurance is with the least-expected company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where someone sacrificed uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage for the lowest price while still protecting your assets.

Cost effective Mercury Mariner insurance is definitely available from both online companies as well as from insurance agents, and you should compare rates from both in order to have the best price selection to choose from. A few companies don’t offer online price quotes and usually these smaller providers sell through independent agencies.

To learn more, link through to the resources below:

• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
• How Much is Car Insurance for Seniors in Kansas City? (FAQ)
• How Much are Car Insurance Rates for a Hyundai Elantra in Kansas City? (FAQ)
• Top Signs Your Brakes are Giving Out (State Farm)
• Side Impact Crash Tests (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)