How to Save on Mercury Mariner Insurance in Cincinnati

It takes a few minutes, but the best way to find cheaper quotes for car insurance rates in Cincinnati is to compare prices regularly from providers who can sell car insurance in Ohio.

1. Spend some time learning about the different coverages in a policy and the modifications you can make to prevent expensive coverage. Many rating criteria that are responsible for high rates like careless driving and a low credit score can be amended by making minor driving habit or lifestyle changes. This article gives additional tips to help prevent costly coverage and get bigger discounts that may have been overlooked.
2. Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agencies can quote rates for a wide range of companies.
3. Compare the new quotes to your existing coverage to see if switching to a new carrier will save money. If you find better rates and switch companies, ensure coverage does not lapse between policies.
4. Provide adequate notice to your current company to cancel your existing policy. Submit payment along with a signed and completed policy application to your new carrier. Once received, safely store the proof of insurance paperwork with the vehicle registration.

One key aspect when comparing rates is to use identical coverage information on each quote and and to get price estimates from as many different insurance providers as possible. Doing this ensures a level playing field and the best rate selection.

Everyone knows that insurance companies don’t want policyholders to compare prices from other companies. Drivers who shop around for the cheapest rate are inclined to switch to a new company because there are good odds of getting low-cost coverage. A recent study showed that drivers who compared rates once a year saved about $3,450 over four years compared to those who never shopped around.

If finding the lowest price on auto insurance is your goal, then learning a little about how to quote and compare insurance rates can help simplify the task of finding more affordable coverage.

If you have insurance now or just want cheaper coverage, you can use these tips to reduce the price you pay without reducing coverage. Buying the cheapest car insurance in Cincinnati seems hard but is not really that difficult. Consumers just have to understand the tricks to shop for car insurance online.

Getting cheap Mercury Mariner insurance pricing is pretty simple and can save money. The only thing you need to do is spend a few minutes getting comparison quotes to find out which insurance company has affordable Mercury Mariner insurance quotes.

Getting quotes online is very simple and it takes the place of having to drive around to all the different Cincinnati insurance agencies. The ability to get quotes online can eliminate the need for a local agent unless you’re the type of person who wants the peace of mind that only a licensed agent can provide. If you prefer, some companies allow you to get the lowest quotes online but buy from a local insurance agent.

The car insurance companies shown below offer free rate quotes in Cincinnati, OH. If you want cheap car insurance in Ohio, we suggest you get price quotes from several of them to get a more complete price comparison.

Why do I need car insurance?

Even though it’s not necessarily cheap to insure a Mercury in Cincinnati, maintaining insurance serves several important purposes.

• Just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability coverage in order to drive the car. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your Mercury has a loan, most lenders will stipulate that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank or lender will purchase a policy for your Mercury at a much higher rate and make you pay much more than you were paying before.
• Insurance preserves not only your Mercury Mariner but also your assets. It will also reimburse you for medical bills for yourself as well as anyone injured by you. Liability insurance will also pay attorney fees if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of insuring your car are without a doubt worth the cost, especially with large liability claims. Despite what companies tell you, the average driver overpays as much as $865 each year so it’s very important to do a rate comparison at least once a year to be sure current rates are still competitive.

Mercury Mariner insurance rates and statistics

The table displayed next showcases detailed analysis of insurance rates for Mercury Mariner models. Being aware of how auto insurance prices are calculated can benefit drivers when making decisions on the best policy coverages.

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rate quotes do not factor in Cincinnati location which can decrease or increase price quotes noticeably.

Policy deductible comparison

The hardest decision when buying coverage is the level to set your comp and collision deductibles. The following tables can help you visualize the cost difference when you choose different physical damage deductibles. The first data table uses a $250 deductible for physical damage and the second price table uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate quotes do not factor in Cincinnati location which can affect rates considerably.

We can estimate from the data above that using a $250 deductible will cost in the ballpark of $10 more each month or $120 a year than buying the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go more than 25 months between claims, you would save money by going with a higher deductible.

Do you need full coverage?

The information below illustrates the difference between Mercury Mariner insurance rates when comparing full coverage to state minimum liability only. The premiums assume no claims or driving citations, $1,000 deductibles, drivers are not married, and no discounts are applied.

When to stop buying physical damage coverage

There is no definitive formula for dropping comp and collision coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s say your Mercury Mariner settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after the policy deductible has been paid. If premiums are more than $500 a year for full coverage, then you may need to consider dropping full coverage.

There are some circumstances where buying only liability insurance is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Do you qualify for discounts?

Some companies don’t list the entire discount list very well, so below is a list both the well known and also the lesser-known savings tricks you should be using when you buy Cincinnati car insurance online.

• Save with a New Car – Buying a new car instead of a used Mariner can save up to 30% because newer vehicles keep occupants safer.
• Discount for Home Ownership – Simply owning a home can get you a discount because maintaining a house shows financial diligence.
• Theft Deterrent System – Cars and trucks that have factory anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
• No Claim Discounts – Insureds with no claims or accidents have much lower rates when compared with accident-prone drivers.
• Discount for Low Mileage – Maintaining low annual mileage can earn discounted rates on garaged vehicles.
• Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy auto and life insurance together.
• Switch and Save Discount – A few auto insurance companies give discounts for renewing your policy prior to your current Mariner insurance policy expiring. This discount can save up to 10%.
• Payment Method – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save up to 5%.
• Defensive Driving Course – Completing a course that instructs on driving safety could possibly earn you a 5% discount and easily pay for the cost of the class.

A quick disclaimer, many deductions do not apply to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

The illustration below illustrates the difference between Mercury Mariner insurance rates with and without discounts. The data assumes a female driver, no claims, a clean driving record, Ohio state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, claim-free, multi-policy, and safe-driver discounts applied.

Popular auto insurance companies and a summarized list of policyholder discounts include:

• Progressive has savings for online signing, good student, homeowner, multi-vehicle, continuous coverage, and online quote discount.
• MetLife offers discounts for defensive driver, accident-free, good driver, claim-free, and multi-policy.
• Mercury Insurance offers discounts including ease of repair, annual mileage, multi-policy, anti-theft, location of vehicle, and type of vehicle.
• Nationwide discounts include multi-policy, easy pay, Farm Bureau membership, family plan, good student, and defensive driving.
• GEICO may have discounts that include daytime running lights, air bags, multi-policy, good student, and anti-lock brakes.
• AAA may offer discounts for pay-in-full, AAA membership discount, multi-car, good driver, multi-policy, and education and occupation.

Before purchasing a policy, check with every prospective company what discounts are available to you. Some of the discounts discussed earlier might not apply in every state.

Independent versus exclusive car insurance agents

Some consumers prefer to sit down and talk to an agent and that is OK! Professional insurance agents can make sure you are properly covered and will help you if you have claims. One of the benefits of comparing rate quotes online is the fact that you can find the best rates and also buy local.

Upon completion of this short form, your insurance data is transmitted to companies in Cincinnati who want to provide quotes to get your business. You don’t have to leave your computer because prices are sent immediately to your email address. If you want to quote rates from a particular provider, you would need to find their quoting web page and submit a quote form there.

Finding a good provider needs to be determined by more than just the bottom line cost. Any agent in Cincinnati should be willing to answer these questions.

• Are claim adjusters local or do you have to take your car somewhere else?
• What is their Better Business Bureau rating?
• Do they review policy coverages at every renewal?
• Do they regularly work with personal auto policies in Cincinnati?
• How much will you save each year by using a higher deductible?

How to choose the best auto insurance agent in Cincinnati

If you want to buy auto insurance from a reliable insurance agency, you must know there are a couple types of insurance agents from which to choose. Auto insurance agents can either be exclusive or independent. Either one can properly insure your vehicles, but it’s important to know how they are different because it can influence buying decisions.

Exclusive Insurance Agents

Agents that choose to be exclusive have only one company to place business with and some examples include Allstate, State Farm and Farm Bureau. They generally cannot shop your coverage around so they have to upsell other benefits. Exclusive agents are well schooled on their company’s products which can be an advantage.

Listed below is a short list of exclusive agents in Cincinnati who can help you get comparison quotes.

More insurance agents

Independent Agencies or Brokers

Independent agents are normally appointed by many insurers and that enables them to quote your coverage with many different companies and get the cheapest rates. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to find a new agent.

When comparing rate quotes, you definitely need to get quotes from several independent insurance agents to have the best price comparison.

Below are Cincinnati independent insurance agencies willing to provide comparison quotes.

More insurance agents

Persistence pays off

Some insurance companies may not provide the ability to get a quote online and many times these small insurance companies provide coverage only through local independent agents. Cheaper Mercury Mariner insurance in Cincinnati is available on the web in addition to many Cincinnati insurance agents, so you should compare both so you have a total pricing picture.

While you’re price shopping online, don’t be tempted to buy poor coverage just to save money. There have been many cases where an insured cut comprehensive coverage or liability limits only to regret that the savings was not a smart move. The aim is to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

Additional information is located at the links below

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Who Has the Cheapest Cincinnati Auto Insurance for Unemployed Drivers? (FAQ)
• How Much are Auto Insurance Rates for Young Drivers in Cincinnati? (FAQ)
• What Auto Insurance is Cheapest for Drivers Under 21 in Cincinnati? (FAQ)
• What Auto Insurance is Cheapest for a Learners Permit in Cincinnati? (FAQ)
• How Much is Cincinnati Car Insurance for Welfare Recipients? (FAQ)
• Who Has the Cheapest Car Insurance Rates for Drivers with a DUI in Cincinnati? (FAQ)
• How Much is Cincinnati Auto Insurance for a Toyota Highlander? (FAQ)
• What Insurance is Cheapest for College Students in Cincinnati? (FAQ)
• Who Has the Cheapest Cincinnati Car Insurance Rates for a Ford Explorer? (FAQ)
• Things to Know Before you Cancel Insurance (Allstate)
• What if I Can’t Find Coverage? (Insurance Information Institute)
• Senior Drivers (Insurance Information Institute)