Compare Mercury Mariner Insurance Quotes in Durham

Truthfully, the best way to find cheaper Mercury Mariner insurance in Durham is to compare quotes once a year from insurance carriers in North Carolina.

Step 1: Learn about individual coverages and the things you can change to prevent high rates. Many risk factors that result in higher rates such as accidents, traffic tickets, and an imperfect credit rating can be controlled by making minor changes to your lifestyle.

Step 2: Request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like Progressive or State Farm, while independent agents can give you price quotes for a wide range of companies. Get quotes now

Step 3: Compare the quotes to your existing coverage to see if switching to a new carrier will save money. If you can save some money and switch companies, make sure there is no lapse in coverage.

Step 4: Provide notification to your current agent or company of your intent to cancel your current coverage and submit a signed application and payment to the new company. As soon as coverage is bound, keep your new certificate verifying coverage along with the vehicle’s registration papers.

The key aspect of shopping around is to compare the same coverage limits and deductibles on each price quote and and to compare all possible companies. This helps ensure an accurate price comparison and a complete selection of prices.

Unbelievable but true, over 70% of North Carolina drivers renewed their policy with the same company for at least the last four years, and nearly 40% of drivers have never quoted rates to find lower-cost coverage. American insurance shoppers could save themselves about 47% a year by just comparing rate quotes, but they don’t want to take the time to compare rate quotes.

The quickest method to compare rate quotes for Mercury Mariner insurance in Durham is to take advantage of the fact most of the larger companies participate in online systems to quote your coverage. To get started, all you need to do is spend a couple of minutes providing details like whether you are married, if you have an active license, how old drivers are, and deductibles desired. That rating information is instantly sent to all major companies and you should receive rate quotes almost instantly.

To check rates for your Mercury Mariner now, click here and complete the form.

The companies in the list below have been selected to offer free rate quotes in North Carolina. If you want to find cheaper auto insurance in NC, we suggest you visit as many as you can in order to find the most affordable rates.

Insurance rate breakdown

The coverage table shown below outlines detailed analysis of insurance prices for Mercury Mariner models. Being aware of how insurance quotes are established can be useful when making smart choices when purchasing an auto insurance policy.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Information does not factor in vehicle garaging location which can raise or lower coverage prices significantly.

Physical damage deductible comparison

One of the more difficult decisions when buying car insurance is how high or low should comp and collision deductibles be. The comparisons below may help to conceptualize the premium difference when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $250 deductible and the second price table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Table data does not factor in zip code location which can influence prices greatly.

Based on these figures, using a $250 deductible costs roughly $10 more each month or $120 every year than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 25 months between claims, you would save more money by selecting a higher deductible.

Accidents and violations increase rates

The illustration below demonstrates how speeding tickets and accidents can drive up Mercury Mariner car insurance rates for each age group. The costs are based on a single male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

Mercury Mariner liability rates compared to full coverage

The chart below illustrates the difference between Mercury Mariner car insurance rates with full physical damage coverage and with liability coverage only. The rate quotes are based on no driving violations, no at-fault accidents, $1,000 deductibles, single status, and no discounts are applied to the premium.

When to stop buying physical damage coverage

There is no clear-cut formula for phasing out physical damage insurance, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s say your Mercury Mariner settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after paying the physical damage deductible. If premium cost is more than $700 a year for your policy with full coverage, then it may be the right time to buy liability only.

There are some circumstances where buying only liability insurance is not recommended. If you haven’t paid off your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not remove full coverage.

Discounts can help to save on Mercury Mariner insurance in Durham

Insuring your fleet can be pricey, but discounts can save money and there are some available to cut the cost considerably. Some of these discounts will be visible at the time you complete a quote, but less common discounts must be requested specifically in order for you to get them.

• Clubs and Organizations – Joining qualifying employment or professional organizations could qualify you for a break on your bill.
• Early Renewal Discounts – Some car insurance companies provide a discount for switching to them prior to your current Mariner insurance policy expiration. This can save 10% or more.
• Include Life Insurance and Save – Larger car insurance companies have lower premium rates if you buy a life insurance policy as well.
• Good Student – Performing well in school can save 20 to 25%. The discount lasts until age 25.
• Senior Citizen Rates – If you’re over the age of 55, you may qualify for a small discount on rates.
• Low Miles Discount – Fewer annual miles on your Mercury could earn lower premium rates on the low mileage vehicles.

Consumers should know that most discounts do not apply to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, car insurance companies aren’t that generous.

The chart below shows the comparison of Mercury Mariner auto insurance rates with and without discounts applied. The data is based on a male driver, no claims or violations, North Carolina 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 homeowner, marriage, safe-driver, multi-policy, claim-free, and multi-car discounts applied.

To see a list of insurers with significant discounts in Durham, click this link.

Three reasons to not skimp on insurance

Even though it can be expensive, maintaining insurance is required for several reasons.

First, most states have mandatory insurance requirements which means the state requires specific minimum amounts of liability coverage if you drive a vehicle. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your vehicle, most lenders will require that you have physical damage coverage to guarantee loan repayment. If coverage lapses or is canceled, the lender may insure your Mercury at a significantly higher premium and force you to pay for the expensive policy.

Third, insurance preserves your Mercury Mariner and your assets. It will also cover medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if anyone sues you for causing an accident. If you have damage to your Mercury as the result of the weather or an accident, comprehensive and collision coverage will pay to repair the damage.

The benefits of carrying enough insurance definitely exceed the price paid, particularly when you have a large claim. According to a 2015 survey, the average American driver overpays more than $855 a year so it’s very important to do a rate comparison at every renewal to save money.

Auto insurance can be complex

When it comes to choosing your policy for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining whether you may require specific advice.

• What is the rate difference between pleasure use and commuting?
• Does my personal policy cover me when driving out-of-state?
• Do I have coverage when pulling a U-Haul trailer?
• Does coverage extend to Mexico or Canada?
• Is business property covered if stolen from my car?
• Am I covered if I break a side mirror?
• Does coverage extend to a rental car in a foreign country?
• Am I covered if I hit my neighbor’s mailbox?
• Are my friends covered when driving my Mercury Mariner?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance is available from your local insurance agencies

Some people still prefer to talk to an insurance agent and we recommend doing that One of the great benefits of price shopping on the web is that you can find the lowest rates but also keep your business local. Putting coverage with neighborhood agents is still important in Durham.

To make it easy to find an agent, after completing this form (opens in new window), your insurance data is transmitted to insurance agents in Durham that give free quotes for your business. It’s much easier because you don’t need to drive around due to the fact that quote results will go directly to you. You can get cheaper auto insurance rates without the usual hassles of price shopping. If you wish to compare rates for a specific company, you can always visit that company’s website and complete a quote there.

Finding a good insurer requires you to look at more than just the premium amount. Any agent in Durham should be willing to answer these questions.

• Can you contact them at any time?
• How much will you save each year by using a higher deductible?
• How are claims handled?
• How does the company pay claims for a total loss?
• Does the agency provide any after hours assistance?

Auto insurance coverages 101

Knowing the specifics of auto insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as falling objects, fire damage, theft and hitting a deer. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Mercury Mariner.

Since a lot of drivers only purchase the least amount of liability that is required (30/60/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Liability car insurance

This coverage provides protection from damage that occurs to other people or property by causing an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 30/60/25 that means you have $30,000 bodily injury coverage, a limit of $60,000 in injury protection per accident, and $25,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims such as attorney fees, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible. North Carolina requires drivers to carry at least 30/60/25 but you should think about purchasing better liability coverage.

The chart below shows why buying low liability limits may not be adequate.

Auto collision coverage

Collision coverage will pay to fix damage to your Mariner resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, rolling your car, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible on your Mariner in order to get cheaper collision rates.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses for things like nursing services, rehabilitation expenses, doctor visits, X-ray expenses and chiropractic care. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible