Compare Mercury Mariner Insurance Rates in San Antonio

Trying to find the cheapest insurance for a Mercury Mariner in Texas could be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to find car insurance online and you need to know the quickest way to price shop coverage on a Mercury and get the lowest possible price either online or from San Antonio insurance agents.

Comparing rates for affordable protection in San Antonio is simple if you know the tricks. If you are already insured or need new coverage, use these tips to get lower rates and possibly find even better coverage. Drivers just need to learn the best way to compare prices from many different companies.

Why You Might Pay Increased Rates in San Antonio

Lots of things are part of the calculation when quoting car insurance. Some factors are common sense like your driving record, but some are more transparent such as whether you are married or your vehicle rating.

Premiums are affected by your address – Living in less populated areas has definite advantages when talking about auto insurance. Drivers who live in large cities regularly have more road rage incidents and a longer drive to work. Fewer drivers means fewer accidents and lower theft and vandalism rates.

Are you male or female? – Statistics show females are less aggressive when driving. That doesn’t necessarily mean that men are worse drivers. Women and men have auto accidents in similar percentages, but the men tend to have more serious accidents. They also have more aggressive citations like DUI and reckless driving. Young men ages 16 to 20 tend to get in the most accidents and therefore are the most expensive to insure.

The illustration below shows the difference between Mercury Mariner annual premium costs for male and female drivers. The data assumes a clean driving record, no at-fault accidents, comp and collision included, $250 deductibles, drivers are single, and no discounts are applied to the premium.

Liability protection limits should be high – Your auto insurance policy’s liability coverage provides coverage in the event that a court rules you are at fault for personal injury or accident damage. Your policy’s liability insurance provides you with a defense in court which can cost a lot. Carrying liability coverage is mandatory and cheap compared to comp and collision, so buy as much as you can afford.

Premiums drop with age – More experienced drivers are viewed as being more responsible, statistically cause fewer accidents, and tend to be get fewer driving tickets. Beginning drivers are statistically shown to be inattentive with other occupants in the car so they pay higher auto insurance rates.

The following chart uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

You may save more by combining policies – Some auto insurance companies afford better rates to buyers that have more than one policy in the form of a multi-policy discount. Even with this discount, drivers will still want to shop around to verify if the discount is saving money. You may still save even more even if you insure with multiple companies

Lower premiums for safer vehicles – Safer cars get lower rates. Safe vehicles reduce the chance of injuries and fewer serious injuries means your insurance company pays less passed on to you as lower rates. If your Mercury Mariner has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.

Do you really need the add-on coverages? – There are many optional add-on coverages that you can buy when buying auto insurance. Insurance for things like personal injury protection, accident forgiveness, and extra equipment coverage could be just wasting money. They may seem good when buying your policy, but if they’re wasting money remove them from your policy.

Mercury Mariner detailed coverage information

The table below highlights detailed analysis of insurance coverage prices for Mercury Mariner models. Understanding more about how insurance policy rates are formulated is important for drivers to make decisions on which coverage to buy.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in garaging location in San Antonio which can revise premiums noticeably.

Insurance deductibles

When comparing insurance rates, the most common question is which deductible level should you buy. The tables below can help you understand the rate differences between high and low policy deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Information does not factor in specific San Antonio garaging location which can alter premiums considerably.

Based on these figures, using a $250 deductible costs about $15 more each month or $180 each year than selecting the higher $500 deductible. Because you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 17 months between claims, you would most likely save money if you opt for a higher deductible.

The chart below illustrates how your deductible choice and can raise or lower Mercury Mariner insurance premiums for each age group. The premium estimates are based on a single male driver, comp and collision included, and no other discounts are factored in.

Mercury Mariner liability-only versus full coverage

The information below illustrates the comparison of Mercury Mariner yearly insurance costs with full coverage compared to only the Texas minimum liability coverage. The data is based on a clean driving record, no claims, $100 deductibles, drivers are single, and no discounts are taken into consideration.

Should you be buying full coverage?

There isn’t a written rule to stop paying for full coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s say your Mercury Mariner claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $6,000 after paying the physical damage deductible. If you are currently paying more than $600 a year to have full coverage, then you might consider buying liability only.

There are a few cases where eliminating full coverage is not financially feasible. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not remove full coverage.

San Antonio auto insurance discounts

Insuring your vehicles can cost a lot, but there’s a good chance there are discounts that many people don’t even know exist. Certain reductions will be credited at the time you complete a quote, but some need to be specifically requested before you get the savings.

• Senior Discount – Drivers over the age of 55 could receive lower premium rates.
• Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you lower premium rates if you buy life insurance from them.
• Passive Restraint Discount – Options like air bags can qualify for discounts as much as 30%.
• Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save a little off the PIP or medical payment premium.
• Accident Waiver – This one isn’t a discount, but some insurance companies allow you one accident before your rates go up with the catch being you have to be claim-free prior to being involved in the accident.
• Theft Deterrent Discount – Cars with anti-theft systems prevent vehicle theft and that can save you a little bit as well.
• Home Ownership Discount – Just owning your own home can save you money because it means you have a higher level of financial diligence.
• Anti-lock Brakes – Cars with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
• Employee of Federal Government – Active or retired federal employment could qualify for a slight premium decrease with certain companies.
• Drive Less and Save – Driving less could qualify for better prices on cars that stay parked.

Discounts lower rates, but most discounts do not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like it’s possible to get free car insurance, you won’t be that lucky.

The example below compares Mercury Mariner car insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no violations or claims, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, safe-driver, multi-policy, and marriage discounts applied.

A list of companies and some of the premium reductions they offer are:

• Progressive offers premium reductions for good student, multi-vehicle, online quote discount, homeowner, and multi-policy.
• SAFECO offers discounts for accident prevention training, multi-car, teen safe driver, drive less, bundle discounts, anti-theft, and teen safety rewards.
• American Family includes discounts for good driver, bundled insurance, multi-vehicle, accident-free, good student, and Steer into Savings.
• MetLife may have discounts that include good student, defensive driver, claim-free, accident-free, good driver, multi-policy
• GEICO offers discounts including multi-policy, daytime running lights, federal employee, seat belt use, and five-year accident-free.
• The Hartford may include discounts for driver training, anti-theft, bundle, air bag, and vehicle fuel type.

It’s a good idea to ask all the companies how many discounts you can get. Some credits may not apply in San Antonio.

Do the work, save more money

Some insurance providers don’t offer online quoting and these small, regional companies sell through local independent agents. Cheap Mercury Mariner insurance in San Antonio can be purchased from both online companies and with local San Antonio insurance agents, so compare prices from both so you have a total pricing picture.

You just learned many tips how you can lower your Mercury Mariner insurance rates in San Antonio. It’s most important to understand that the more price quotes you have, the better your comparison will be. Drivers may even discover the most savings is with some of the smallest insurance companies.

As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. Your goal is to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.

Much more information about insurance in Texas is available below:

• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
• Medical Payments Coverage (Liberty Mutual)
• Protect Yourself Against Auto Theft (Insurance Information Institute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Five Tips to Save on Auto Insurance (Insurance Information Institute)