Mercury Mariner Insurance Rates in Colorado Springs

Want to learn how to find low-cost Mercury Mariner insurance in Colorado Springs? Pretty sure you bought overpriced Mercury Mariner insurance in Colorado Springs? You’re preaching to the choir because there are lots of Colorado Springs residents who feel the same.

Unimaginable but true, about 70% of customers have been with the same company for four years or more, and almost 40% of drivers have never compared car insurance rates at all. Colorado consumers could cut their rates by $610 a year by just comparing rate quotes, but most tend to underestimate the amount of money they would save if they switched to a cheaper policy.

How to buy lower priced Mercury Mariner insurance in Colorado Springs

It takes a little time, but the best way to find low-cost prices for auto insurance rates in Colorado Springs is to compare prices annually from companies who sell auto insurance in Colorado.

First, spend a few minutes and learn about what is in your policy and the changes you can make to drop your rates. Many rating criteria that cause high rates such as getting speeding tickets and an unacceptable credit score can be amended by making minor driving habit or lifestyle changes.

Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like Progressive or Farmers Insurance, while independent agents can give you price quotes from multiple sources.

Third, compare the quotes to your existing policy and determine if there is any savings. If you find better rates and decide to switch, ensure there is no coverage lapse between policies.

Fourth, provide notification to your current agent or company to cancel your existing policy and submit any necessary down payment along with the completed application for the new coverage. As soon as you receive it, place your new certificate verifying proof of insurance in an easily accessible location.

The key thing to remember is that you use the same physical damage deductibles and liability limits on each quote request and and to get quotes from as many different companies as possible. This guarantees a fair price comparison and a complete selection of prices.

Due to the fact that there are so many options for buying affordable insurance for a Mercury Mariner in Colorado Springs, it can be impossible to pick the lowest cost company.

Compare Colorado Springs Mercury Mariner insurance price quotes

Getting more affordable auto insurance pricing is not rocket science. You just need to take a couple of minutes comparing price quotes to see which company has affordable Mercury Mariner insurance quotes.

Doing price comparisons online is so simple that it replaces the need to go to all the different insurance agencies. Quoting Mercury Mariner insurance online has reduced the need for local agents unless your situation requires the advice and guidance that can only be provided by a licensed insurance agent. Although you can get prices online and get advice from an agent in your area.

The following companies can provide free quotes in Colorado Springs, CO. In order to find the best cheap car insurance in CO, it’s highly recommended you get rate quotes from several of them to get the best price comparison.

Mercury Mariner coverage analysis

The rate table below highlights estimates of insurance coverage prices for Mercury Mariner models. Learning a little about how auto insurance premiums are figured is important for drivers to make smart choices when comparing insurance quotes.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Table data does not factor in vehicle garaging location which can revise premium rates considerably.

Raise deductibles and save

One frequently asked question is at what level do you set your deductibles. The figures shown below may help to illustrate the difference in cost of buying low and high comp and collision deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower price quotes significantly.

Based on the data above, we can derive that using a $250 deductible will cost you about $14 more each month or $168 every year averaged for all Mariner models than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 18 months between claims, you would probably come out ahead if you elect the higher deductible.

The diagram below demonstrates how deductibles and can impact Mercury Mariner annual premium costs for different age categories. The premiums are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Mercury Mariner annual premiums for males versus females

The chart below shows the difference between Mercury Mariner annual premium costs for male and female drivers. The rate quotes are based on no violations or accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Three good reasons to insure your vehicle

Despite the high cost, buying insurance is a good idea for several reasons.

First, the majority of states have mandatory insurance requirements which means state laws require a minimum amount of liability protection if you drive a vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if you took out a loan on your car, almost every bank will have a requirement that you have comprehensive coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Mercury at a much higher premium rate and force you to pay much more than you were paying before.

Third, insurance protects not only your Mercury Mariner but also your assets. Insurance will pay for medical bills for you, any passengers, and anyone injured in an accident. Liability coverage will also pay attorney fees if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance definitely exceed the cost, particularly when you have a large claim. But the average American driver is currently overpaying as much as $825 a year so it’s recommended you shop around at least once a year to ensure rates are competitive.

Cut your car insurance rates with these five discounts

Car insurance is expensive, but there are discounts available that could help you make your next renewal payment. Most are applied when you purchase, but occasionally some discounts must be specially asked for in order for you to get them.

• Telematics Data Discounts – Insureds that choose to allow their car insurance company to spy on their driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease as long as the data is positive.
• Anti-theft Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
• ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control can reduce accidents and earn discounts up to 10%.
• Switch and Save Discount – A few insurance companies give discounts for renewing your policy before your current coverage expires. This discount can save up to 10%.
• Discount for Multiple Policies – When you have multiple policies and place coverage with the same company you could save approximately 10% to 15%.

One last thing about discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce individual premiums such as liability and collision coverage. So when it seems like you could get a free car insurance policy, you won’t be that lucky. But any discount should help lower the amount you have to pay.

The illustration below visualizes the comparison of Mercury Mariner insurance costs with and without discounts applied to the rates. The data is based on a male driver, no accidents or driving violations, Colorado state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, homeowner, safe-driver, and claim-free discounts applied.

A few companies that may offer policyholders many of the previously listed discounts are:

• GEICO
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

Before purchasing a policy, check with each company which discounts they offer. Some discounts may not apply in your state. If you would like to see a list of insurers who offer car insurance discounts in Colorado, click here to view.

Neighborhood insurance agents

Some consumers just want to visit with an insurance agent and doing so can bring peace of mind Professional agents can make sure you are properly covered and will help you if you have claims. One of the great benefits of comparing rate quotes online is the fact that drivers can get lower rates and still choose a local agent.

By using this simple form, your insurance coverage information gets sent to companies in Colorado Springs that give free quotes for your business. You never need to visit any agencies since rate quotes are delivered instantly to you. If you wish to get a price quote from one company in particular, don’t hesitate to search and find their rate quote page and submit a quote form there.

Deciding on a insurance company needs to be determined by more than just a cheap quote. The questions below may impact your decision as well.

• Do they write coverage based solely on cost?
• Which members of your family are coverage by the policy?
• Does the company have a local claim office in Colorado Springs?
• What are their preferred companies if they are an independent agency?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Do they offer claims assistance after hours?
• Are they primarily personal or commercial lines agents in Colorado Springs?

Car insurance coverage options for a Mercury Mariner

Knowing the specifics of car insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from car insurance companies.

Collision coverage protection

This covers damage to your Mariner resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible on your Mariner to get cheaper collision coverage.

Coverage for liability

This provides protection from damages or injuries you inflict on people or other property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/15 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $15,000 for damage to vehicles and property.

Liability can pay for things like pain and suffering, emergency aid, attorney fees, bail bonds and structural damage. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible. Colorado requires drivers to carry at least 25/50/15 but you should think about purchasing better liability coverage.

The chart below shows why low liability limits may not be enough coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Mercury Mariner.

Because many people carry very low liability coverage limits (Colorado limits are 25/50/15), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as theft, hitting a bird, vandalism, falling objects and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for prosthetic devices, rehabilitation expenses and pain medications. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Don’t give up on cheap premiums

Cost effective Mercury Mariner insurance is available both online and also from your neighborhood Colorado Springs agents, so you should compare both to have the best rate selection. Some companies do not provide internet price quotes and many times these small insurance companies sell through independent agents.

When searching for cheaper Colorado Springs auto insurance quotes, never buy less coverage just to save a little money. There are too many instances where an insured dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at a price you can afford while still protecting your assets.

We just presented some good ideas how you can shop for Mercury Mariner insurance online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding the cheapest Mercury Mariner rate quotes. You may even find the lowest rates are with a smaller regional carrier. These smaller insurers often have lower car insurance rates on specific markets than the large multi-state companies such as State Farm or Progressive.

Steps to finding better rates for Mercury Mariner insurance in Colorado Springs

It takes a little time, but the best way to find better pricing on auto insurance rates in Colorado Springs is to annually compare prices from different companies in Colorado.

First, try to comprehend how your policy works and the measures you can take to drop your rates. Many factors that increase rates such as distracted driving and a negative credit score can be eliminated by improving your driving habits or financial responsibility.

Second, quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Farmers Insurance, while agents who are independent can provide prices for a wide range of companies.

Third, compare the new quotes to your existing policy to see if you can save by switching companies. If you find better rates and decide to switch, make sure there is no coverage gap between policies.

One piece of advice is that you’ll want to make sure you compare the same liability limits and deductibles on each quote and and to get rates from as many different companies as possible. Doing this enables an apples-to-apples comparison and a complete price analysis.

For more information, feel free to browse the following helpful articles:

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