Mercury Mariner Insurance Rates in Arlington

It’s safe to assume that car insurance companies want to keep you from comparing prices. People who shop around are inclined to move their business because they have a good chance of finding a more affordable policy. A recent car insurance study revealed that people who shopped around annually saved an average of $3,450 over four years compared to drivers who never compared other company’s rates.

If finding budget-friendly rates on auto insurance in Arlington is your ultimate goal, then learning about how to compare insurance rates can help you be more efficient.

Insurance quote for Mercury Mariner in ArlingtonTruthfully, the best way to find low-cost prices for car insurance rates in Arlington is to do an annual price comparison from different companies who sell auto insurance in Texas.

Step 1: Try to learn a little about coverages and the modifications you can make to prevent expensive coverage. Many things that drive up the price such as speeding tickets, accidents and a bad credit rating can be controlled by improving your driving habits or financial responsibility.

Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like Progressive or Allstate, while agents who are independent can provide price quotes from multiple companies. View companies

Step 3: Compare the new quotes to the price on your current policy to see if cheaper Mariner coverage is available in Arlington. If you find a better price and make a switch, make sure there is no coverage gap between policies.

One tip to remember is to try to use the same amount of coverage on each quote and and to analyze as many companies as you can. Doing this guarantees a fair price comparison and the best price selection.

All major insurance companies like State Farm and Allstate give coverage price quotes directly from their websites. This process doesn’t take a lot of time as you simply enter your coverage information into a form. After you submit the form their quoting system requests your credit score and driving record and provides a quote based on many factors.

Getting online price quotes for Mercury Mariner insurance in Arlington makes comparing rates easy, and it’s very important to have as many quotes as possible if you are searching for the most affordable premium.

To compare rates using this form now, take a look at the companies shown below. If you currently have coverage, we recommend you complete the form with the coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will be getting a fair comparison using the same coverage and limits.

The following companies have been selected to offer price comparisons in Arlington, TX. If your goal is to find the best cheap auto insurance in TX, we suggest you visit two to three different companies to get the best price comparison.

Insurance rate breakdown

The table shown next covers a range of insurance coverage prices for Mercury Mariner models. Understanding more about how prices are figured can be valuable when making decisions when shopping around.

Mercury Mariner Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $142 $218 $310 $18 $94 $782 $65
Mariner Premier 2WD $142 $266 $310 $18 $94 $830 $69
Mariner AWD $142 $266 $310 $18 $94 $830 $69
Mariner Hybrid 2WD $142 $312 $366 $22 $110 $952 $79
Mariner Premier AWD $160 $266 $310 $18 $94 $848 $71
Mariner Hybrid AWD $160 $312 $366 $22 $110 $970 $81
Get Your Own Custom Quote Go

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Information does not factor in garaging location in Arlington which can change premiums significantly.

Deductible comparison

The hardest decision when buying coverage is which deductibles should you choose. The tables below may help to conceptualize the price difference when you choose different policy deductibles. The first set of rates uses a $250 deductible and the second pricing table uses a $1,000 deductible.

Mercury Mariner insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $294 $408 $324 $20 $96 $1,167 $97
Mariner Premier 2WD $294 $496 $324 $20 $96 $1,255 $105
Mariner AWD $294 $496 $324 $20 $96 $1,255 $105
Mariner Hybrid 2WD $294 $584 $382 $22 $114 $1,421 $118
Mariner Premier AWD $332 $496 $324 $20 $96 $1,293 $108
Mariner Hybrid AWD $332 $584 $382 $22 $114 $1,459 $122
Get Your Own Custom Quote Go

Mercury Mariner insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $182 $256 $324 $20 $96 $878 $73
Mariner Premier 2WD $182 $312 $324 $20 $96 $934 $78
Mariner AWD $182 $312 $324 $20 $96 $934 $78
Mariner Hybrid 2WD $182 $368 $382 $22 $114 $1,068 $89
Mariner Premier AWD $206 $312 $324 $20 $96 $958 $80
Mariner Hybrid AWD $206 $368 $382 $22 $114 $1,092 $91
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate information does not factor in vehicle location which can decrease or increase premiums considerably.

Based on these figures, using a $250 deductible would cost the average driver about $27 more each month or $324 annually than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 28 months between claim filings, you would probably come out ahead if you choose a higher deductible.

Car insurance rates are higher with tickets and accidents

The chart below shows how speeding tickets and fender-benders influence Mercury Mariner yearly insurance costs for each different age group. The data assumes a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

Rate comparison of males versus females in Arlington

The illustration below shows the difference between Mercury Mariner premium costs for male and female drivers. The data assumes no claims or driving citations, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

Does full coverage make sense?

The example below illustrates the comparison of Mercury Mariner annual premium costs with full coverage compared to only the Texas minimum liability coverage. The rates are based on no violations or accidents, $1,000 deductibles, single marital status, and no additional discounts are factored in.

When to stop paying for full coverage

There is no clear-cut formula of when to eliminate physical damage coverage, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let’s say your Mercury Mariner replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $2,000 after you pay the deductible. If it’s costing in excess of $200 a year to have full coverage, then it may be the right time to buy liability only.

There are some cases where removing full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not remove full coverage.

Auto insurance just makes sense

Despite the fact that auto insurance is not cheap in Arlington, paying for auto insurance is required in Texas but also provides important benefits.

The benefits of insuring your Mariner outweigh the cost, particularly for liability claims. But the average American driver is currently overpaying as much as $830 a year so compare quotes from several companies at every renewal to save money.

Car insurance coverages for a Mercury Mariner

Understanding the coverages of car insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Collision – Collision coverage will pay to fix damage to your Mariner resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, colliding with another moving vehicle, sideswiping another vehicle, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible on your Mariner in order to get cheaper collision rates.

Liability insurance – This will cover injuries or damage you cause to people or other property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 30/60/25 which stand for a limit of $30,000 per injured person, $60,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like repair bills for other people’s vehicles, medical expenses, emergency aid and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford. Texas state minimum liability requirements are 30/60/25 but you should consider buying better liability coverage.

The next chart demonstrates why minimum state limits may not be enough.

UM/UIM Coverage – This gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Mercury Mariner.

Since a lot of drivers only carry the minimum required liability limits (Texas limits are 30/60/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical costs insurance – Med pay and PIP coverage kick in for short-term medical expenses such as X-ray expenses, doctor visits, ambulance fees and chiropractic care. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, hitting a deer and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.