Auto Insurance Rate Quotes for a Mercury Mariner in Scottsdale

How long has it been since you compared cheaper insurance rates in Scottsdale, AZ? Scottsdale consumers have many options when looking for the lowest priced Mercury Mariner insurance. You can either spend your time calling around trying to get quotes or utilize the internet to find the lowest rates. There is a right way and a wrong way to compare insurance rates so you’re going to learn the proper way to compare rates for your Mercury and obtain the lowest possible price.

It’s safe to assume that insurance companies want to keep you from comparing rates. People who shop for lower prices are very likely to switch to a new company because they stand a good chance of finding better rates. A study discovered that consumers who shopped around every year saved as much as $865 a year compared to drivers who never compared prices.

If finding the lowest price on Mercury Mariner insurance is why you’re here, then having some knowledge of the best way to quote and compare cheaper coverage can save time and money.

You need to take a look at other company’s rates quite often because prices go up and down regularly. Despite the fact that you may have had the best price on Mercury Mariner insurance in Scottsdale a few years ago you may be paying too much now. You can find a lot of information about Mariner insurance out there, but we’re going to give you some solid techniques on how to put money back in your pocket.

Many insurance companies allow you to get price estimates from their websites. Getting quotes for Mercury Mariner insurance in Scottsdale doesn’t take much effort as you simply enter your coverage preferences into a form. When complete, their quoting system orders information on your driving record and credit history and gives you a price quote based on the data you entered.

The ability to get online rate quotes for Mercury Mariner insurance in Scottsdale streamlines rate comparisons, and it’s also necessary to have as many quotes as possible if you want to get the most affordable premium on car insurance.

To quickly compare pricing, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you copy the insurance coverages exactly as shown on your declarations page. This ensures you will have a rate comparison based on identical coverages.

The following companies can provide free quotes in Arizona. If multiple companies are listed, we suggest you compare several of them to get the best price comparison.

Insurance data for a Mercury Mariner

The information displayed next highlights a range of insurance prices for Mercury Mariner models. Understanding how insurance premiums are established can be useful when making informed decisions when comparing rate quotes.

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Prices do not factor in garaging location in Scottsdale which can lower or raise insurance rates considerably.

Higher deductibles save money

One of the more difficult decisions when buying insurance is where should you set your physical damage deductibles. The tables below may help to conceptualize the rate difference when you buy lower versus higher deductibles. The first set of rates uses a $250 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Table data does not factor in specific Scottsdale garaging location which can affect premiums substantially.

Based on the data above, we can derive that using a $250 deductible will cost you about $22 more each month or $264 each year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 34 months between claim filings, you would probably be better off if you choose the higher deductible. The table below shows an example of how you can come to your own conclusion.

One important note is that a higher deductible level means you will have to pay more when you have a comprehensive or collision claim. You must have some non-essential savings in the event you have to pay the deductible.

Impact of citations and accidents on insurance rates

The illustration below demonstrates how citations and at-fault accidents raise Mercury Mariner car insurance rates for each different age group. The data assumes a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

Three main reasons to buy car insurance

Despite the high insurance cost for a Mercury Mariner in Scottsdale, maintaining insurance may not be optional for several reasons.

• Just about all states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability insurance coverage in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Mariner has a lienholder, almost all lenders will require that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank will be required to insure your Mercury at a more expensive rate and make you pay the higher price.
• Car insurance protects both your car and your assets. It will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage will also pay for a defense attorney if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, your car insurance policy will cover the damage repairs after a deductible is paid.

The benefits of buying car insurance definitely exceed the price paid, especially when you need to use it. Unknowingly, the average driver is wasting up to $700 annually so compare quotes from several companies each time the policy renews to save money.

Lower rates by qualifying for these ten discounts

Car insurance can cost a lot, but companies offer discounts that can help lower your rates. Certain discounts will be applied when you purchase, but some discounts are required to be specially asked for prior to getting the savings.

• Paper-free Discount – Some of the larger companies may give you up to $50 for buying your policy online.
• Senior Citizen Rates – Drivers that qualify as senior citizens may qualify for a slight reduction on a Scottsdale auto insurance quote.
• Military Deployment Discount – Having a deployed family member could qualify you for better insurance rates.
• ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems are safer to drive so you can save 10 percent or more.
• Theft Deterrent – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a Scottsdale auto insurance quote.
• Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.
• Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying in monthly installments you can actually save on your bill.
• Distant College Student Discount – Children living away from Scottsdale attending college and won’t have access to an insured vehicle may be able to be covered for less.
• Own a Home and Save – Just owning your own home may earn you a small savings due to the fact that maintaining a home requires a higher level of personal finance.
• Student Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class if it’s offered in school.

As is typical with insurance, some credits don’t apply to all coverage premiums. Most only reduce the cost of specific coverages such as comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, companies don’t profit that way.

The illustration below shows the difference between Mercury Mariner insurance costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no claims, a clean driving record, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, homeowner, safe-driver, and claim-free discounts applied.

Popular insurance companies and their offered discounts can be found below.

• State Farm includes discounts for student away at school, passive restraint, good driver, Drive Safe & Save, accident-free, and defensive driving training.
• Farmers Insurance policyholders can earn discounts including mature driver, teen driver, pay in full, youthful driver, and electronic funds transfer.
• GEICO has discounts for multi-policy, anti-lock brakes, daytime running lights, military active duty, membership and employees, and multi-vehicle.
• American Family offers premium reductions for multi-vehicle, good driver, early bird, air bags, good student, accident-free, and Steer into Savings.
• Nationwide has savings for Farm Bureau membership, accident-free, anti-theft, good student, family plan, and business or organization.
• Progressive offers discounts including multi-policy, good student, continuous coverage, multi-vehicle, and homeowner.

Before purchasing a policy, check with every prospective company which discounts can lower your rates. Discounts might not be available to policyholders in your state.

Are insurance agencies a thing of the past?

A lot of people just want to get professional advice from a licensed agent and that is a smart decision Most agents can help determine the best coverages and help file insurance claims. One of the benefits of price shopping on the web is the fact that you can find the lowest rates and still buy from a local agent.

Once you complete this quick form, the coverage information is submitted to insurance agents in Scottsdale that provide free Scottsdale auto insurance quotes for your coverage. There is no reason to contact any insurance agencies as quotes are delivered to the email address you provide. In the event you want to compare rates from a specific company, just navigate to their website and give them your coverage information.

Selecting an insurance company requires you to look at more than just the price. Any agent in Scottsdale should be willing to answer these questions.

• Is the agent CPCU or CIC certified?
• Does the agent help file claims?
• When do they do a full risk review?
• How long have they been in business?
• Do they see any coverage gaps in your plan?

Below is a list of insurers in Scottsdale willing to provide comparison quotes for Mercury Mariner insurance in Scottsdale.

• Bennett and Porter Insurance | Wealth Management
  3200 N Hayden Rd #310 – Scottsdale, AZ 85251 – (480) 212-1150 – View Map
• Ric Newman – State Farm Insurance Agent
  10401 E McDowell Mountain Ranch Rd #110 – Scottsdale, AZ 85255 – (480) 860-2121 – View Map
• Desert Mountain Insurance Services – Medical Malpractice
  2918 N 67th Pl – Scottsdale, AZ 85251 – (480) 348-2200 – View Map
• Crest Insurance Group
  Ste 375, 7272 E Indian School Rd – Scottsdale, AZ 85251 – (480) 839-2252 – View Map

View more Scottsdale agents

Your situation helps dictate your coverage

Keep in mind that when it comes to choosing coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different so your insurance needs to address that.
For example, these questions can help discover whether or not you will benefit from professional help.

• Is my Mercury Mariner covered for smoke damage?
• Which companies are cheaper for teen drivers?
• Can I get a multi-policy discount?
• Am I covered when pulling a rental trailer?
• What are the best liability limits?
• Is my dog or cat covered if injured in an accident?
• What states are considered no-fault?
• How do I buy GAP insurance?
• Am I covered while delivering pizza?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It is quick, free and you can get the answers you need.

Detailed coverages of your insurance policy

Knowing the specifics of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

Coverage for liability

Liability coverage will cover damage that occurs to other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 15/30/10 that translate to $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and property damage coverage for $10,000.

Liability coverage protects against things such as pain and suffering, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible. Arizona requires drivers to carry at least 15/30/10 but it’s recommended drivers buy higher limits.

The next chart shows why low liability limits may not provide adequate coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like chiropractic care, X-ray expenses, ambulance fees and surgery. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage will pay to fix damage to your Mariner from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with another moving vehicle, sustaining damage from a pot hole, sideswiping another vehicle, scraping a guard rail and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible on your Mariner to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, a broken windshield and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Mercury Mariner.

Since many Arizona drivers carry very low liability coverage limits (Arizona limits are 15/30/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Quote more and you will save more

When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. In many instances, an insured cut full coverage and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at the best possible price while not skimping on critical coverages.

Some companies may not have the ability to get a quote online and usually these regional insurance providers sell through local independent agents. Low-cost Mercury Mariner insurance in Scottsdale is definitely available on the web and also from your neighborhood Scottsdale agents, so you should compare both so you have a total pricing picture.

Steps to quoting cheaper Mercury Mariner insurance in Scottsdale

The best way we recommend to find lower priced Mercury Mariner insurance is to compare prices annually from different companies that sell auto insurance in Scottsdale. This can be done by following these guidelines.

Step 1: Learn about the coverage provided by your policy and the steps you can take to prevent rate increases. Many things that drive up the price such as traffic tickets, fender benders, and a not-so-good credit history can be rectified by being financially responsible and driving safely.

Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like GEICO or Farmers Insurance, while independent agents can quote rates for a wide range of insurance providers.

Step 3: Compare the new rate quotes to your existing rates and see if you can save money. If you find better rates and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Tell your current agent or company of your decision to cancel your current policy. Submit payment and a completed application to the new company. Once coverage is bound, keep your new certificate of insurance in a readily accessible location in your vehicle.

A good tip to remember is that you’ll want to compare similar coverage information on each quote and and to compare every company you can. Doing this helps ensure a fair rate comparison and maximum price selection.

Additional car insurance information can be found below:

• Electronic Stability Control FAQ (iihs.org)
• How Much are Scottsdale Car Insurance Rates for a Kia Optima? (FAQ)
• What Auto Insurance is Cheapest for a Ford F-150 in Scottsdale? (FAQ)
• Choosing an Insurance Company (Insurance Information Institute)
• Understanding Rental Car Insurance (Insurance Information Institute)
• Cellphones, Texting and Driving (iihs.org)