Best Rates for Mercury Mariner Insurance in Memphis

We don’t have to point out that fact that car insurance companies want to prevent you from shopping around. Drivers who shop around are likely to move their business because they stand a good chance of finding a lower-cost company. A recent study showed that consumers who regularly compared rates saved an average of $3,500 over four years compared to drivers who never compared rates.

If finding the cheapest price for Mercury Mariner insurance is your goal, then having an understanding of how to shop for insurance premiums can help simplify the task of finding more affordable coverage.

If saving money is your primary concern, then the best way to find affordable quotes for car insurance rates in Memphis is to start doing an annual price comparison from insurers who provide auto insurance in Tennessee.

• First, learn about how insurance works and the things you can control to keep rates down. Many things that increase rates like at-fault accidents, speeding tickets, and a not-so-good credit score can be controlled by making small lifestyle or driving habit changes.
• Second, get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from a single company like Progressive and State Farm, while agents who are independent can provide rate quotes from multiple insurance companies.
• Third, compare the new quotes to your current policy and see if you can save money. If you find a lower rate quote, verify that coverage does not lapse between policies.
• Fourth, tell your current company to cancel your existing policy and submit a completed application and payment to your new insurance company. Be sure to put the new certificate verifying coverage in an easily accessible location in your vehicle.

One thing to remember is to try to compare identical coverages on each quote and and to analyze as many different companies as possible. Doing this provides the most accurate price comparison and a complete price analysis.

If you have coverage now, you stand a good chance to be able to reduce the price you pay using the concepts you’re about to learn. Locating the best rates in Memphis can really be easy if you know what you’re doing. Although Tennessee drivers benefit from understanding how companies charge you for coverage because it varies considerably.

Best companies for Mercury Mariner insurance

The companies shown below can provide price quotes in Memphis, TN. If multiple companies are listed, it’s highly recommended you get prices from several of them to get the best price comparison.

Analysis of coverages

The rate table shown next covers a range of insurance prices for Mercury Mariner models. Having insight into how auto insurance policy rates are figured can be useful when making smart choices when comparing insurance rates.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price estimates do not factor in vehicle garaging location which can increase or decrease price quotes noticeably.

Policy deductibles

A question often asked by Memphis drivers is which deductible level should you buy. The tables below may aid in understanding the cost difference of buying low and high comp and collision deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in specific Memphis garaging location which can modify rates significantly.

Based on this data, using a $100 deductible would cost the average driver about $21 more each month or $252 each year than choosing the higher $500 deductible. Because you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally average at least 19 months between claims, you would probably save some money if you choose the higher deductible.

Bad driving habits will cost you more

The chart below shows how violations and at-fault collisions can increase Mercury Mariner auto insurance costs for different ages of insureds. The costs are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

Determine discounts to get cheap Memphis auto insurance rates

Companies that sell car insurance don’t necessarily list every discount very well, so the below list has a few of the more well known as well as the least known auto insurance savings. If you aren’t receiving every discount possible, you are just wasting money.

• Paperwork-free – Some larger companies give back up to $50 for signing up on their website.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents so you can save 10 percent or more.
• Discounts for Federal Employees – Simply working for the federal government can earn a discount up to 10% depending on your auto insurance provider.
• Bundle and Save – If you can combine your auto and home policy with one insurance company you could save over 10 percent off each policy depending on the company.
• Drivers Ed for Students – Cut your cost by having your teen driver participate in a local driver’s education class as it can save substantially.
• Cautious Driver Discount – Drivers without accidents can save up to 40% or more on their Memphis auto insurance quote than drivers with accident claims.
• Senior Discount – Drivers over the age of 55 are able to get reduced rates.

It’s important to understand that many deductions do not apply to the whole policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, auto insurance companies aren’t that generous.

The illustration below visualizes the comparison of Mercury Mariner premium costs with and without discounts applied to the rates. The information is based on a female driver, no claims or driving citations, Tennessee state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, multi-policy, marriage, and multi-car discounts applied.

To see providers who offer online Mercury Mariner insurance quotes in Memphis, click here to view.

When should I discuss my situation with an agent?

When it comes to choosing adequate coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions might point out whether or not you might need an agent’s assistance.

• Do I have any recourse if my insurance company denies a claim?
• Is pet coverage available?
• Does low annual mileage earn a discount?
• Is my camper covered for physical damage?
• Why are teen drivers so expensive to add on to my policy?
• Is extra glass coverage worth it?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Can’t I compare prices from local Memphis car insurance agents?

Some people would rather get advice from a local agent and that is just fine! A good thing about comparing insurance prices online is you may find lower rates but also keep your business local.

Once you complete this form (opens in new window), your insurance data is submitted to insurance agents in Memphis that can give you free Memphis auto insurance quotes to get your business. You won’t even need to find an agent on your own due to the fact that quote results will go to your email. You can find the lowest rates and an insurance agent to talk to. If you have a need to compare rates from a specific insurance company, you just need to jump over to their website and complete a quote there.

Deciding on an insurance company should depend on more than just the bottom line cost. Any agent in Memphis should be willing to answer these questions.

• Which company do they place the most coverage with?
• Are there any discounts that you might be missing?
• Is the agent CPCU or CIC certified?
• Does the agency have a good rating with the Better Business Bureau?
• Does the agent have a valid license to sell insurance in Tennessee?

How much can you save?

In this article, we presented many tips how you can compare Mercury Mariner insurance prices in Memphis. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a small mutual company.

As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, someone dropped collision coverage to discover at claim time they didn’t have enough coverage. Your goal should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Lower-priced Mercury Mariner insurance in Memphis is attainable on the web and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some auto insurance companies do not offer rate quotes online and these small insurance companies only sell through local independent agents.

Additional detailed information is available in these articles:

• Red Light Cameras (State Farm)
• Who Has Cheap Auto Insurance Rates for Real Estate Agents in Memphis? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a Ford F-150 in Memphis? (FAQ)
• Who Has Affordable Auto Insurance Rates for 17 Year Olds in Memphis? (FAQ)
• What Insurance is Cheapest for a Learners Permit in Memphis? (FAQ)
• Prom Night Tips for Teen Drivers (State Farm)
• Auto Insurance Basics (Insurance Information Institute)
• Get the Right Protection (InsureUonline.org)
• Collision Coverage (Liberty Mutual)