Best Insurance for a Mercury Mariner in Lincoln

Want to know an easy way to compare low-cost Mercury Mariner insurance in Lincoln? Searching for cheaper insurance for your Mercury Mariner in Nebraska can turn out to be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to shop for car insurance so we’re going to tell you the proper way to quote coverages for a Mercury and find the best price possible.

Shopping for the most affordable policy in Lincoln is quite easy. If you are already insured or just want cheaper coverage, take advantage of these tips to get lower rates and still have adequate protection. Comparison shoppers just have to learn the quickest way to get comparison quotes using one simple form.

Insurance coverage analysis

The coverage information displayed below covers a range of coverage costs for Mercury Mariner models. Learning more about how insurance quotes are formulated can benefit drivers when making decisions when shopping around.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium amounts do not factor in your specific Lincoln location which can influence prices significantly.

An analysis of deductible level

A question often asked by Lincoln drivers is the level to set your comp and collision deductibles. The data tables below may help to conceptualize the price difference of buying low and high policy deductibles. The first pricing table uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate information does not factor in your specific Lincoln location which can increase or decrease coverage rates considerably.

Based on this data, using a $250 deductible will cost you approximately $12 more each month or $144 for a full year across all Mercury Mariner models than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 21 months between claim filings, you would probably come out ahead by going with a higher deductible.

Drive responsibly or pay higher rates

The illustration below shows how traffic citations and fender-benders can impact Mercury Mariner car insurance costs for each age group. Data assumes a single female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

Age-based car insurance rates by gender

The diagram below compares Mercury Mariner auto insurance rates for male and female drivers. The costs are based on no violations or accidents, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are factored in.

Liability only or full coverage

The chart below shows the difference between Mercury Mariner insurance prices with liability coverage only compared to full coverage. Data assumes no claims or driving violations, $250 deductibles, marital status is single, and no discounts are factored in.

When to drop full coverage

There is no clear-cut rule of when to phase out full coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Mercury Mariner replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after paying the physical damage deductible. If you are currently paying more than $500 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where eliminating full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.

Auto insurance policy discounts you can’t miss

Insurance can cost an arm and a leg, but you may be missing some discounts that you may not know about. A few discounts will be applied at the time of quoting, but some discounts are required to be specially asked for prior to getting the savings. If you’re not getting every credit available, you’re just leaving money on the table.

• Online Discount – Many auto insurance companies will give a small break for buying your policy on your computer.
• Good Grades Discount – Maintaining excellent grades can get you a discount of up to 25%. The good student discount can last up to age 25.
• College Student Discount – Older children who are enrolled in a college that is more than 100 miles from Lincoln and leave their car at home could get you a discount.
• Auto/Life Discount – If the company offers life insurance, you could get a break if you buy a life insurance policy as well.
• Bundle and Save – When you have multiple policies and place coverage with the same company you could earn a discount of approximately 10% to 15%.
• Low Miles Discount – Driving fewer miles could be rewarded with lower prices on the low mileage vehicles.
• Early Renewal Discounts – Some companies reward drivers for buying a policy before your current coverage expires. You may see this discount when you get Lincoln car insurance quotes online.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off the medical payments premium.
• Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
• Active Service Discounts – Being on active duty in the military may lower your prices slightly.

One thing to note about discounts is that most of the big mark downs will not be given to your bottom line cost. Most only reduce individual premiums such as collision or personal injury protection. Despite the fact that it seems like all the discounts add up to a free policy, it’s just not the way it works.

The information below visualizes the comparison of Mercury Mariner auto insurance costs with and without policy discounts. The premiums assume a male driver, no tickets, no at-fault accidents, Nebraska state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, multi-policy, claim-free, and marriage discounts applied.

Popular auto insurance companies and a summarized list of policyholder discounts can be found below.

• GEICO policyholders can earn discounts including defensive driver, federal employee, anti-theft, driver training, military active duty, anti-lock brakes, and air bags.
• USAA discounts include multi-vehicle, vehicle storage, military installation, annual mileage, and multi-policy.
• Progressive may have discounts that include multi-vehicle, homeowner, multi-policy, continuous coverage, online quote discount, good student, and online signing.
• American Family may include discounts for accident-free, TimeAway discount, good student, defensive driver, and air bags.
• Esurance has savings for safety device, good student, Switch & Save, anti-lock brakes, online shopper, claim free, and defensive driver.
• Farmers Insurance has discounts for early shopping, distant student, homeowner, teen driver, and multi-car.
• State Farm offers discounts including passive restraint, safe vehicle, multiple autos, anti-theft, Drive Safe & Save, and driver’s education.

When getting free Lincoln car insurance quotes, it’s a good idea to all the companies to apply every possible discount. Depending on the company, some discounts may not apply to policies in Lincoln.

Educate yourself about insurance coverages

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for bills such as dental work, chiropractic care, doctor visits, ambulance fees and X-ray expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Mercury Mariner.

Because many people have only the minimum liability required by law (25/50/25 in Nebraska), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Auto liability insurance

Liability insurance can cover damage that occurs to other people or property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like repair bills for other people’s vehicles, medical services, legal defense fees and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford. Nebraska requires drivers to carry at least 25/50/25 but you should consider buying more coverage.

The chart below demonstrates why low liability limits may not provide adequate coverage.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance will pay to fix damage to your Mariner from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, crashing into a ditch, damaging your car on a curb, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible on your Mariner to bring the cost down.

One last note

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. There are a lot of situations where someone sacrificed full coverage only to discover later that the small savings ended up costing them much more. The goal is to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.

Budget-friendly auto insurance in Lincoln can be found from both online companies and from local agencies, so you should be comparing quotes from both so you have a total pricing picture. A few companies do not provide the ability to get a quote online and usually these smaller companies sell through independent agencies.

We just covered a lot of tips how to compare Mercury Mariner insurance rates in Lincoln. The key concept to understand is the more times you quote, the better likelihood of getting inexpensive Lincoln car insurance quotes. You may even find the most savings is with an unexpected company.

How to find better rates for Mercury Mariner insurance in Lincoln

If saving money is your primary concern, then the best way to quote cheaper Mercury Mariner insurance in Lincoln is to annually compare prices from different companies who sell auto insurance in Nebraska. Rates can be compared by completing these steps.

• First, get a basic knowledge of how companies set rates and the factors you can control to prevent high rates. Many policy risk factors that result in higher prices like distracted driving and an imperfect credit history can be eliminated by making minor changes to your lifestyle.
• Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive or State Farm, while independent agencies can give you price quotes for a wide range of companies. Get quotes now
• Third, compare the price quotes to the price on your current policy to determine if switching companies saves money. If you can save some money, make sure coverage is continuous and does not lapse.
• Fourth, notify your agent or company to cancel the current policy and submit payment and a signed application for your new coverage. Once the application is submitted, place the new certificate of insurance in an easily accessible location.

The key thing to know about shopping around is to use the same coverage limits and deductibles on each price quote and to quote with every insurance company. This ensures a fair price comparison and plenty of rates choose from.

Additional auto insurance information can be found on the following sites:

• Teen Driving Statistics (iihs.org)
• How Much are Lincoln Car Insurance Quotes for Handicapped Drivers? (FAQ)
• Who Has the Cheapest Lincoln Auto Insurance for a Chevrolet Equinox? (FAQ)
• Who Has Affordable Car Insurance Quotes for Drivers Over Age 70 in Lincoln? (FAQ)
• Who Has Affordable Lincoln Car Insurance Quotes for 16 Year Olds? (FAQ)
• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Tread Depth and Tire Safety (State Farm)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)