Save Money on Mercury Mariner Insurance in Raleigh

If saving the most money is your goal, then the best way to get the cheapest car insurance rates in Raleigh is to start comparing prices regularly from insurance carriers in North Carolina.

Step 1: Get a basic knowledge of policy coverages and the measures you can take to prevent expensive coverage. Many policy risk factors that drive up the price like inattentive driving and poor credit history can be amended by making lifestyle changes or driving safer.

Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like GEICO or State Farm, while agents who are independent can quote prices from many different companies.

Step 3: Compare the price quotes to your existing rates to see if cheaper Mariner coverage is available in Raleigh. If you find a lower rate quote and buy the policy, ensure coverage does not lapse between policies.

One thing to point out is to make sure you enter the same amount of coverage on every quote and and to get price estimates from all possible companies. Doing this provides a fair price comparison and the most accurate and complete price analysis.

We don’t have to point out that fact that insurance companies don’t want their customers to go rate shopping. Drivers who shop around at least once a year are inclined to move their business because they have good chances of finding a lower-priced company. Remarkably, a study showed that consumers who compared rate quotes regularly saved an average of $860 a year compared to those who don’t regularly compare prices.

If finding low prices for car insurance is your objective, then knowing the best ways to shop for auto insurance can help simplify the task of finding more affordable coverage.

Locating the best rates in Raleigh is not rocket science. If you have a policy now, you will definitely be able to find better prices using the ideas you’re about to read. Drivers just need to learn the most efficient way to get comparison quotes online from multiple companies.

Affordable companies for Mercury Mariner insurance in North Carolina

The car insurance companies shown below offer price quotes in North Carolina. To locate the best cheap car insurance in NC, it’s highly recommended you visit two to three different companies in order to find the lowest rates.

Mercury Mariner insurance coverage information

The data table shown next showcases a range of insurance rates for Mercury Mariner models. Being more informed about how auto insurance premiums are figured can help customers make smart choices when comparing insurance quotes.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium costs do not factor in the specific area where the vehicle is garaged which can alter rates greatly.

Policy deductible comparison

One of the more difficult decisions when buying insurance is the level to set your comp and collision deductibles. The data tables below can help illustrate the rate difference when you buy lower versus higher policy deductibles. The first set of rates uses a $250 deductible and the second rate chart uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Prices do not factor in specific zip code location which can raise or lower price quotes greatly.

Based on the above data, using a $250 deductible will cost you about $19 more each month or $228 every year than buying the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 39 months between claims, you would save money if you choose the higher deductible.

One important note is that raising deductibles to get cheaper rates means you will have to pay more when you have to file a claim. You need to make sure you have some funds available in the event you need to pay the deductible.

Gender-based insurance rates in Raleigh

The chart below illustrates the comparison of Mercury Mariner insurance costs for male and female drivers. The rate quotes are based on no accidents, no driving violations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

Earn discounts on Raleigh auto insurance

Some insurance providers don’t always publicize all possible discounts in a way that’s easy to find, so the list below gives a summary of some of the more common as well as some of the hidden discounts that you can inquire about if you buy Raleigh car insurance online.

• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can stop better under adverse conditions so you can save 10 percent or more.
• Professional Organizations – Being a member of certain professional organizations can get you a small discount on auto insurance.
• Waiver for an Accident – Not a discount per se, but some companies like Allstate, State Farm and GEICO permit an accident before your rates go up as long as you don’t have any claims for a set time period.
• Bundle and Save – If you can combine your homeowners and auto policy and insure them both with the same insurance company you may save at least 10 to 15 percent or more.
• Pay Now and Pay Less – By paying your entire bill at once instead of making monthly payments you could save up to 5%.
• Online Discount – A few insurance companies will provide an incentive just for signing your application digitally online.
• Anti-theft System – Cars with anti-theft systems can help prevent theft and can earn a small discount on your policy.
• Distant Student – Older children who are attending college and do not have access to a covered vehicle could get you a discount.

Just know that most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way.

The illustration below illustrates the comparison of Mercury Mariner insurance costs with and without discounts applied. The costs are based on a male driver, no accidents or driving violations, North Carolina state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, multi-policy, safe-driver, and claim-free discounts applied.

To choose providers with the best Mercury Mariner insurance discounts in Raleigh in Raleigh, click here.

Buying from insurance agents

Many people just want to go talk to an agent and that is recommended in a lot of cases Agents can answer important questions and help in the event of a claim. An additional benefit of comparing rate quotes online is you may find lower premium rates and still buy from a local agent.

Once you complete this short form, your coverage information is emailed to participating agents in Raleigh who will gladly provide quotes for your business. You won’t need to find an agent because quoted prices will be sent straight to your inbox. If you want to get a rate quote from a specific insurance company, just search and find their rate quote page and fill out their quote form.

Choosing the best company requires you to look at more than just a cheap price. Before buying a policy in Raleigh, get answers to these questions.

• Can glass repairs be made at your home?
• If you have an accident, will your rates go up?
• Is there a 24/7 contact number?
• Is the agent properly licensed in North Carolina?
• How long has their agency been open in Raleigh?
• Are all drivers listed on the coverage quote?
• Can you contact them at any time?

If you are searching for a reliable agent, it helps to know the two different types of agencies and how they can service your needs differently. Car insurance agents are considered either independent agents or exclusive agents depending on their employer. Both types can sell affordable car insurance policies, but it is important to understand the difference in the companies they write for since it could factor into the kind of agent you use.

Exclusive Agencies

These agents work for only one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot shop your coverage around so you might not find the best rates. Exclusive agents are usually well trained on sales techniques which aids in selling service over price.

The following is a short list of exclusive agencies in Raleigh willing to provide price quote information.

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Independent Car Insurance Agencies

Independent insurance agents do not write with just one company so as a result can place your coverage with a variety of different insurance companies and find the cheapest car insurance rates. If you want to switch companies, they simply switch companies in-house and you won’t have to switch agencies. If you are comparing rate quotes, you definitely need to get some free quotes from independent agents to ensure the widest selection of prices.

Listed below are Raleigh independent agents that can give you price quote information.

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Car insurance coverage basics

Understanding the coverages of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverage types found on most car insurance policies.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. It protects you from claims by other people. Liability 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 limits of 30/60/25 that means you have a limit of $30,000 per injured person, a per accident bodily injury limit of $60,000, and $25,000 of coverage for damaged property.

Liability coverage protects against claims like loss of income, medical services, structural damage, emergency aid and court costs. How much coverage you buy is up to you, but consider buying as high a limit as you can afford. North Carolina state minimum liability requirements are 30/60/25 but drivers should carry more liability than the minimum.

The illustration below demonstrates why buying minimum limits may not be enough.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses like dental work, nursing services and pain medications. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Mercury Mariner.

Because many people only purchase the least amount of liability that is required (which is 30/60/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, damage from flooding and falling objects. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

This coverage pays for damage to your Mariner from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like driving through your garage door, rolling your car, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible on your Mariner to bring the cost down.

Cheaper car insurance premiums are out there

When getting Raleigh car insurance quotes online, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where someone sacrificed physical damage coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage for the lowest price but still have enough coverage for asset protection.

Throughout this article, we presented many ways to compare Mercury Mariner insurance auto insurance rates in Raleigh. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest priced car insurance comes from a small local company. Some small companies can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

Much more information about car insurance in North Carolina can be read on the following sites:

• Help Your Teen Be a Better Driver (State Farm)
• Who Has the Cheapest Car Insurance for a Nissan Sentra in Raleigh? (FAQ)
• What Car Insurance is Cheapest for Police Officers in Raleigh? (FAQ)
• What Car Insurance is Cheapest for a Toyota Tundra in Raleigh? (FAQ)
• Auto Insurance Facts and Statistics (Insurance Information Institute)
• Winter Driving (Insurance Information Institute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)