When searching for more affordable insurance, do you get frustrated by the dozens of insurance companies in your area? Arizona drivers have such a large number of options that it can turn into more work than you anticipated to compare premium rates on Mercury Mariner insurance. Tucson is a great city to raise a family in, but having to pay for pricey insurance can make it very difficult to maintain proper levels of coverage.
It’s safe to conclude that insurance companies don’t want you comparing rates. Insureds who shop around annually are likely to buy a different policy because there are good odds of finding a more affordable policy. A survey found that drivers who compared rates once a year saved approximately $3,500 over four years as compared to drivers who didn’t regularly shop around.
If finding the cheapest price on auto insurance in Tucson is the reason for your visit, then understanding the best way to shop and compare insurance premiums can save time and make the process easier.
Affordable companies for Mercury Mariner insurance
The companies shown below have been selected to offer quotes in Arizona. If multiple companies are listed, we suggest you visit several of them in order to get a fair rate comparison.
Mercury Mariner insurance rates and statistics
The rate information shown next highlights a range of insurance rates for Mercury Mariner models. Having a better idea how insurance rates are formulated is important for making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $144 | $202 | $254 | $16 | $76 | $692 | $58 |
| Mariner Premier 2WD | $144 | $246 | $254 | $16 | $76 | $736 | $61 |
| Mariner AWD | $144 | $246 | $254 | $16 | $76 | $736 | $61 |
| Mariner Hybrid 2WD | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| Mariner Premier AWD | $162 | $246 | $254 | $16 | $76 | $754 | $63 |
| Mariner Hybrid AWD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rates do not factor in your specific Tucson location which can affect auto insurance rates significantly.
Physical damage deductibles: Should you raise them?
One frequently asked question is which deductibles should you choose. The data tables below can help show the rate fluctuation of buying low and high physical damage coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $258 | $382 | $254 | $16 | $76 | $1,011 | $84 |
| Mariner Premier 2WD | $258 | $466 | $254 | $16 | $76 | $1,095 | $91 |
| Mariner AWD | $258 | $466 | $254 | $16 | $76 | $1,095 | $91 |
| Mariner Hybrid 2WD | $258 | $548 | $300 | $18 | $90 | $1,239 | $103 |
| Mariner Premier AWD | $292 | $466 | $254 | $16 | $76 | $1,129 | $94 |
| Mariner Hybrid AWD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $188 | $258 | $254 | $16 | $76 | $792 | $66 |
| Mariner Premier 2WD | $188 | $314 | $254 | $16 | $76 | $848 | $71 |
| Mariner AWD | $188 | $314 | $254 | $16 | $76 | $848 | $71 |
| Mariner Hybrid 2WD | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| Mariner Premier AWD | $212 | $314 | $254 | $16 | $76 | $872 | $73 |
| Mariner Hybrid AWD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rates do not factor in vehicle garaging location which can raise or lower auto insurance rates greatly.
Based on the above data, using a $100 deductible will cost you roughly $21 more each month or $252 every year across all Mercury Mariner models than quoting the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 19 months between claims, you would save money if you opt for a higher deductible. The table below illustrates a better example of how this decision is made.
| Average monthly premium for $100 deductibles: | $95 |
| Average monthly premium for $500 deductibles (subtract): | – $74 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
Mercury Mariner liability-only versus full coverage
The illustration below illustrates the difference between Mercury Mariner auto insurance rates with full physical damage coverage and with liability coverage only. The data assumes no claims or violations, $100 deductibles, marital status is single, and no other discounts are factored in.
When to stop buying full coverage
There is no specific rule to stop buying comp and collision coverage, but there is a broad guideline. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.
For example, let’s pretend your Mercury Mariner settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $6,000 after paying the physical damage deductible. If it’s costing in excess of $600 annually for full coverage, then you might want to think about dropping full coverage.
There are some cases where dropping full coverage is not advised. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage.
Discounts for cheaper car insurance rates
Companies offering auto insurance don’t always publicize the entire discount list very clearly, so we took the time to find a few of the more well known and the harder-to-find ways to save on car insurance. If you aren’t receiving every discount possible, you’re just leaving money on the table.
- Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may get savings of 20 to 30 percent.
- Club Memberships – Joining qualifying employment or professional organizations could qualify you for a break on your next renewal.
- Multi-car Discount – Insuring multiple cars on a single policy qualifies for this discount.
- Anti-lock Brake System – Vehicles with ABS and/or traction control are much safer to drive and qualify for as much as a 10% discount.
- Discounts for Government Workers – Active or former government employment may reduce rates when you quote Tucson auto insurance with a few car insurance companies.
- Paperwork-free – Some of the larger companies will provide an incentive simply for signing online.
- Policy Bundle Discount – When you combine your home and auto insurance and insure them with the same company you may earn as much as 10 to 15 percent.
- New Vehicle Savings – Adding a new car to your policy can save up to 30% since new model year vehicles have better safety ratings.
As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, companies wouldn’t make money that way.
The chart below visualizes the comparison of Mercury Mariner premium costs with and without discounts. The premiums are based on a female driver, no claims or driving citations, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, multi-policy, claim-free, and multi-car discounts applied.
Companies and the discounts they provide can be read below.
- Mercury Insurance discounts include professional/association, low natural disaster claims, multi-policy, multi-car, and accident-free.
- Farmers Insurance has discounts for electronic funds transfer, mature driver, distant student, teen driver, pay in full, and good student.
- Farm Bureau offers discounts including multi-policy, renewal discount, youthful driver, good student, driver training, and multi-vehicle.
- State Farm policyholders can earn discounts including Steer Clear safe driver discount, good student, good driver, student away at school, driver’s education, safe vehicle, and multiple autos.
- Allstate may offer discounts for multi-policy, defensive driver, new car, safe driver, FullPay discount, and good payer.
- GEICO offers premium reductions for defensive driver, multi-policy, emergency military deployment, membership and employees, good student, daytime running lights, and driver training.
Before you buy a policy, ask all companies you are considering which credits you are entitled to. All car insurance discounts may not be available in Tucson. To see providers who offer discounts in Arizona, click here to view.
Different people need different car insurance coverages
When it comes to buying insurance from an agent or online for your vehicles, there really is no one-size-fits-all type of policy. Your financial needs are unique.
These are some specific questions can aid in determining if your situation could use an agent’s help.
- What is covered by UM/UIM coverage?
- Which companies are cheaper for teen drivers?
- What are good deductibles for a Mercury Mariner?
- Are my friends covered when driving my Mercury Mariner?
- How much coverage applies to personal belongings?
- What happens if I owe more than my Mercury Mariner is worth?
- How many claims can I have before being canceled?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form.
Get rate quotes but work with a local neighborhood Tucson car insurance agent
Many drivers prefer to buy from a local agent and doing that can be a smart decision A good thing about comparing rate quotes online is the fact that you can find cheaper auto insurance rates but also keep your business local.
To make it easy to find an agent, after completing this simple form, your coverage information is emailed to companies in Tucson who want to provide quotes for your business. It’s much easier because you don’t need to contact any agents since rate quotes are delivered instantly to you. It’s the lowest rates and work with a local agent. If you want to get a comparison quote for a specific company, you would need to navigate to their website and fill out their quote form.
Picking the best company shouldn’t rely on just a low price. Any agent in Tucson should be willing to answer these questions.
- Does the agency support the community they serve?
- Do the agents have professional certifications like CPCU or CIC?
- Does the company use OEM repair parts?
- How many years of experience in personal auto insurance do they have?
- How often do they review coverages?
- How long have they been in business?
- How much will you save each year by using a higher deductible?
- Is the agency covered by Errors and Omissions coverage?
Shown below are Tucson insurers that are able to give comparison quotes for Mercury Mariner insurance in Tucson.
- Allstate Insurance: Shannon Burke
2860 W Ina Rd Ste 104 – Tucson, AZ 85741 – (520) 742-6683 – View Map - Tucson Insurance Associates
51 W Wetmore Rd #101 – Tucson, AZ 85705 – (520) 396-4727 – View Map - Merrie Connon – State Farm Insurance Agent
10222 E Rita Rd #110 – Tucson, AZ 85747 – (520) 574-3223 – View Map - Crest Insurance Group LLC
5285 E Williams Cir #4500 – Tucson, AZ 85711 – (520) 881-5760 – View Map
If you receive good responses to any questions you have as well as offering an affordable quote, it’s a good possibility that you have found a company that is a good match to service your policy.
Don’t give up on cheap premiums
Insureds who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, being labeled a high risk driver, questionable increases in premium and even poor customer service. It doesn’t matter why you want to switch finding a new company is actually quite simple.
Cost effective Mercury Mariner insurance can be found from both online companies and from local agencies, so you should be comparing quotes from both to have the best selection. Some insurance companies do not provide the ability to get a quote online and most of the time these small insurance companies prefer to sell through local independent agencies.
You just read many ideas to shop for Mercury Mariner insurance online. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even discover the best rates are with the smaller companies.
How to find cheaper quotes for Mercury Mariner insurance in Tucson
The best way to get more affordable auto insurance rates in Tucson is to regularly compare quotes from providers in Arizona. You can compare rates by following these steps.
First, read about how insurance companies determine prices and the modifications you can make to prevent expensive coverage. Many policy risk factors that drive up the price like high-risk driving behaviors and poor credit history can be remedied by paying attention to minor details.
Second, request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide price quotes from multiple sources.
Third, compare the quotes to your existing rates to see if cheaper Mariner coverage is available. If you can save money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, give proper notification to your current agent or company to cancel your current policy. Submit a down payment along with a signed application to the new company. Make sure you put the proof of insurance certificate in an easily accessible location in your vehicle.
One key aspect of rate comparisons is to use identical limits and deductibles on each quote and and to get rates from as many auto insurance providers as possible. Doing this ensures a fair rate comparison and a better comparison of the market.
To learn more, feel free to visit the following helpful articles:
- Auto Crash Statistics (Insurance Information Institute)
- What Auto Insurance is Cheapest for a Toyota Tacoma in Tucson? (FAQ)
- Who Has Cheap Car Insurance Rates for Active Military in Tucson? (FAQ)
- Who Has Affordable Tucson Auto Insurance for a Subaru Outback? (FAQ)
- How Much is Tucson Auto Insurance for a GMC Acadia? (FAQ)
- How Much is Auto Insurance for 16 Year Olds in Tucson? (FAQ)
- Teen Driving Statistics (iihs.org)
- Teen Driving and Texting (State Farm)