Affordable Quotes for Mercury Mariner Insurance in Tucson

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.

Insurance quote for Mercury Mariner in TucsonIt’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.

Mercury Mariner Insurance Rates in Tucson, AZ
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
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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.

Mercury Mariner insurance with $100 deductibles
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
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Mercury Mariner insurance with $500 deductibles
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
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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.

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.

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.

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.

Insurance agents in TucsonTo 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.

Shown below are Tucson insurers that are able to give comparison quotes for Mercury Mariner insurance in Tucson.

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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.

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