The best way to get cheaper Mercury Mariner insurance in Columbus is to start comparing prices regularly from insurers in Ohio. Price quotes can be compared by following these steps.
- Try to comprehend the coverage provided by your policy and the things you can change to prevent expensive coverage. Many things that cause high rates like traffic violations, accidents, and a negative credit history can be rectified by paying attention to minor details. Later in this article we will cover more details to prevent high prices and find additional discounts you may qualify for.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Allstate, while independent agencies can quote rates from multiple companies.
- Compare the quotes to your existing policy and determine if there is any savings. If you can save some money and change companies, make sure there is no coverage gap between policies.
- Provide proper notification to your current company of your intent to cancel your existing policy. Submit any necessary down payment along with the completed application to the new company. Once received, put the new certificate verifying coverage in your vehicle’s glove compartment or console.
A tip to remember is that you use similar coverage information on each quote and and to analyze as many car insurance companies as possible. Doing this ensures a fair price comparison and a better comparison of the market.
It’s easy to assume that car insurance companies don’t want their policyholders to compare prices. Consumers who get comparison quotes once a year will most likely buy a new policy because there is a high probability of getting low-cost coverage. A recent survey revealed that consumers who regularly compared price quotes saved as much as $70 a month compared to people who never shopped around for better prices.
If finding the cheapest price on car insurance in Columbus is your ultimate goal, then understanding the best way to shop and compare coverages can make it easier to shop your coverage around.
Analysis of Mercury Mariner rates
The information below outlines detailed analysis of insurance prices for Mercury Mariner models. Having a better understanding of how car insurance premiums are calculated is important to be able to make decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $136 | $202 | $182 | $10 | $54 | $584 | $49 |
| Mariner Premier 2WD | $136 | $246 | $182 | $10 | $54 | $628 | $52 |
| Mariner AWD | $136 | $246 | $182 | $10 | $54 | $628 | $52 |
| Mariner Hybrid 2WD | $136 | $288 | $214 | $12 | $64 | $714 | $60 |
| Mariner Premier AWD | $152 | $246 | $182 | $10 | $54 | $644 | $54 |
| Mariner Hybrid AWD | $152 | $288 | $214 | $12 | $64 | $730 | $61 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rates do not factor in specific location which can revise premium rates noticeably.
The information below demonstrates how deductibles and can raise or lower Mercury Mariner insurance premiums for different ages of insureds. The data is based on a single female driver, comp and collision included, and no discounts are applied.
Premiums by gender and age
The illustration below illustrates the difference between Mercury Mariner annual premium costs for male and female drivers. The data is based on no accidents or driving violations, comp and collision included, $500 deductibles, marital status is single, and no additional discounts are factored in.
Mercury Mariner Insurance Prices Can Be Cheaper
It’s important that you understand some of the factors that go into determining your policy premiums. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to big savings.
Listed below are some of the factors companies use to determine your prices.
- Rate your vehicle for proper use – Driving more miles in a year the more it will cost to insure it. A lot of insurance companies calculate prices partially by how you use the vehicle. Vehicles that have low annual miles qualify for better rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Mariner is throwing money out the window. Double check that your auto insurance declarations sheet correctly shows the correct usage for each vehicle.
- Your job and auto insurance rates – Do you have a high-stress occupation? Jobs like judges, airline pilots, and medical professionals have higher premiums than the average policyholder because of job stress and long work days. Other jobs such as farmers, engineers and homemakers have lower than average premiums.
- Less chance of injury means lower premiums – Vehicles that have high safety ratings cost less to insure. These vehicles reduce the chance of injuries and better occupant protection translates directly to fewer claims and more competitive rates for policyholders. If your Mercury Mariner has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
- No claims equals cheaper auto insurance rates – If you are the type of insured that files lots of claims you should expect either a policy non-renewal or much higher rates. Car insurance companies in Ohio provide cheaper rates to policyholders who only file infrequent claims. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
- Do you really need roadside assistance? – There are many additional coverages that you can get tricked into buying but may not be useful. Insurance for things like roadside assistance, high-cost glass coverage, and term life insurance may be costing you every month. They may sound like good ideas when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
Keep this in mind when shopping around
Some companies don’t offer internet price quotes and many times these regional insurance providers prefer to sell through independent insurance agencies. Budget-conscious Mercury Mariner insurance can be purchased online as well as from independent agents in Columbus, and you need to price shop both to have the best selection.
When you buy Columbus auto insurance online, you should never buy poor coverage just to save money. In many instances, someone dropped full coverage only to regret they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.
For more information, take a look at the resources below:
- Side Impact Crash Tests (iihs.org)
- What Car Insurance is Cheapest in Columbus, Ohio? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers Under 21 in Columbus? (FAQ)
- How Much are Car Insurance Quotes for 16 Year Olds in Columbus? (FAQ)
- How Much are Car Insurance Quotes for a Jeep Grand Cherokee in Columbus? (FAQ)
- Who Has Cheap Car Insurance Rates for a Learners Permit in Columbus? (FAQ)
- Who Has Affordable Auto Insurance for Lyft Drivers in Columbus? (FAQ)
- What Auto Insurance is Cheapest for Real Estate Agents in Columbus? (FAQ)
- Eight Auto Insurance Myths (Insurance Information Institute)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Uninsured Motorist Statistics (Insurance Information Institute)