Save Money on Mercury Mariner Insurance in Dallas

We don’t have to point out that fact that car insurance companies don’t want you comparing rates. Drivers who compare rates annually are highly likely to switch companies because there are good odds of finding good coverage at a lower price. Remarkably, a study showed that people who compared price quotes annually saved an average of $3,500 over four years as compared to drivers who never compared rates.

If finding the cheapest price for Mercury Mariner insurance in Dallas is your goal, then learning a little about how to find companies and compare cheaper coverage can make the process less intimidating.

It takes a little time, but the best way to get low-cost auto insurance rates is to start comparing prices regularly from providers in Dallas. This can be done by completing these steps.

1. Learn about how your policy works and the things you can control to lower rates. Many rating factors that drive up the price like accidents, traffic tickets, and poor credit history can be controlled by improving your driving habits or financial responsibility.
2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like GEICO and Allstate, while agents who are independent can give you price quotes from multiple companies.
3. Compare the quotes to your existing policy to see if a cheaper rate is available. If you find better rates and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.

The key thing to know about shopping around is to compare identical coverage information on every quote and to quote with every company you can. Doing this helps ensure a fair rate comparison and the most accurate and complete price analysis.

This article will teach you the best ways to compare prices and some tricks to saving. If you are already insured, you should be able to reduce the price you pay using these methods. But Texas vehicle owners do need to understand the methods companies use to calculate your policy premium and take advantage of how the system works.

Affordable companies for Mercury Mariner insurance

The auto insurance companies shown below can provide price comparisons in Dallas, TX. If multiple providers are shown, we recommend you visit two to three different companies to get the best price comparison.

Mercury Mariner detailed coverage information

The data table displayed next outlines a range of insurance premium costs for Mercury Mariner models. Learning how rate quotes are determined can help drivers make smart choices when comparing insurance rates.

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Table data does not factor in garaging location in Dallas which can revise prices substantially.

How high should deductibles be?

A question often asked by Dallas drivers is where to set your physical damage deductibles. The following tables approximate the rate fluctuation between low and high coverage deductibles. The first rate quote example uses a $100 physical damage deductible and the second rate chart uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in specific Dallas garaging location which can influence premium rates noticeably.

Based on the figures above, using a $100 deductible will cost in the ballpark of $26 more each month or $312 each year averaged for all Mariner models than choosing the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 15 months between claims, you would most likely save money if you choose a higher deductible.

Males versus Females

The information below shows the comparison of Mercury Mariner car insurance costs for male and female drivers. The costs are based on no violations or claims, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Cheaper rates with these discounts

Companies that sell car insurance don’t always advertise every discount very clearly, so we researched both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates.

• Federal Employees – Having worked for a branch of the government can earn a discount up to 10% with some car insurance companies.
• Safe Driver Discount – Accident-free drivers could pay up to 40% less compared to rates paid by drivers with frequent claims.
• Multi-Vehicle Discounts – Buying insurance for multiple vehicles on one policy can get a discount for every vehicle.
• College Student – Kids who are enrolled in a college that is more than 100 miles from Dallas and do not take a car to college could get you a discount.
• Professional Organizations – Belonging to certain professional organizations could qualify you for a break when shopping for car insurance.
• Fewer Miles Equal More Savings – Fewer annual miles on your Mercury may allow you to get lower prices on the low mileage vehicles.
• Theft Deterrent Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.
• Sign Online – A handful of larger companies will give you a small discount for buying your policy online.
• Driving Data Discount – Insureds that choose to allow driving data submission to monitor their driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as they are good drivers.

As a footnote on discounts, most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, companies wouldn’t make money that way.

The diagram below compares Mercury Mariner auto insurance rates with and without discounts being applied to the rates. The information is based on a male driver, no violations or accidents, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, homeowner, multi-car, and multi-policy discounts applied.

Popular car insurance companies and some of the discounts are shown below.

• State Farm may include discounts for driver’s education, accident-free, Drive Safe & Save, good driver, multiple autos, and anti-theft.
• Nationwide has discounts for accident-free, good student, business or organization, family plan, easy pay, and Farm Bureau membership.
• GEICO policyholders can earn discounts including air bags, membership and employees, daytime running lights, emergency military deployment, driver training, and good student.
• AAA has savings for good driver, multi-policy, multi-car, good student, education and occupation, AAA membership discount, and anti-theft.
• 21st Century offers premium reductions for good student, driver training, defensive driver, automatic seat belts, teen driver, and 55 and older.
• The Hartford may have discounts that include defensive driver, bundle, anti-theft, air bag, and vehicle fuel type.

It’s a good idea to ask each company or agent which credits you are entitled to. Some of the discounts discussed earlier may not apply to policies in your state. To view car insurance companies that can offer you the previously mentioned discounts in Dallas, follow this link.

Decisions You Make Can Impact Your Insurance Costs

Smart consumers have a good feel for some of the factors that are used to determine the level of your policy premiums. If you understand what influences your rates, this allows you to make educated decisions that may reward you with cheaper rates. Many factors are used in the calculation when premium rates are determined. Some are pretty understandable like your driving record, but others are less obvious such as whether you are married or your vehicle rating.

• Never let your car insurance policy lapse – Having a gap between insurance policy dates can be a quick way to pay more for car insurance. And not only will your rates increase, being ticketed for driving with no insurance could result in a revoked license or a big fine. You could then be forced to submit proof of financial responsibility or a SR-22 with the Texas motor vehicle department.
• Lower rates by staying claim free – If you tend to file frequent claims, you should expect either policy cancellation or increased premiums. Auto insurance companies in Texas award discounts to insureds who are claim-free. Insurance coverage is intended for major claims that would cause financial hardship.
• Pleasure use saves money – Driving a lot of miles annually the higher the price you pay to insure it. Many insurance companies charge to insure your cars determined by how the vehicle is used. Cars and trucks that do not get driven very much receive lower rates than those used for commuting. An incorrectly rated Mariner may be wasting your money. It’s a good idea to make sure your car insurance policy correctly shows the correct usage for each vehicle.

• Accidents mean higher rates – Being a careful driver can have a huge impact on auto insurance premiums. Drivers with clean records get better prices compared to drivers with tickets. Having a single moving violation can increase the cost of insurance by as much as thirty percent. Drivers who have received severe citations such as reckless driving or DUI may face state-mandated requirements to file a SR-22 with their state in order to prevent their license from being revoked.

  The information below demonstrates how citations and at-fault claims increase Mercury Mariner auto insurance rates for different age groups. The rates are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

• Advanced alarms and GPS tracking – Buying a car with advanced anti-theft systems can save you some money. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
• Bundle home and auto and save – The majority of insurance companies afford discounts to buyers that buy multiple policies such as combining an auto and homeowners policy. Discounts can add up to ten or even fifteen percent. Even if you qualify for this discount already, it’s always a smart idea to shop around to verify if the discount is saving money.

You may need help from an insurance agency

Many people still prefer to have an agent’s advice and that can be a smart move One of the great benefits of comparing insurance prices online is that you can obtain cheap rate quotes and still choose a local agent. Buying from neighborhood insurance agencies is still important in Dallas.

After completing this short form, the quote information is immediately sent to agents in your area who want to provide quotes for your insurance coverage. You don’t have to leave your house due to the fact that quote results will go to you. You can most likely find cheaper rates and an insurance agent to talk to. If you want to compare rates from a specific insurance company, just navigate to their website and fill out their quote form.

Car insurance agents in Dallas come in two varieties

When looking for a reliable agent, you need to know there are two types of insurance agents and how they can write your policy. Dallas agents can be categorized as either independent agents or exclusive agents depending on their employer.

Independent Agents

These agents are not employed by one company so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. If they quote lower rates, they simply move the coverage in-house and that require little work on your part. When comparing rate quotes, you will definitely want to compare quotes from a couple of independent agencies in order to have the best price comparison.

The following are independent insurance agents in Dallas that may be able to give you price quote information.

View more Dallas agents

Exclusive Car Insurance Agents

These type of agents work for only one company and examples are Allstate and State Farm. Exclusive agents are unable to compare rates from other companies so you need to shop around if the rates are high. These agents are trained well on their products and sales techniques which helps them sell on service rather than price.

The following is a list of exclusive agents in Dallas that can give you price quotes.

View more Dallas agents

Finding the right insurance agent requires more thought than just the premium amount. These are some questions your agent should answer.

• Do they review policy coverages at every renewal?
• Does the company use OEM repair parts?
• Will they take your side in the event of a claim?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Do they receive special compensation for putting your coverage with one company over another?

Affordable car insurance rates are out there

We just showed you a lot of techniques to shop for Mercury Mariner insurance online. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding inexpensive Dallas auto insurance quotes. Consumers could even find that the biggest savings come from the least-expected company. They may often insure only within specific states and give better rates than their larger competitors like Progressive or GEICO.

Cost effective Mercury Mariner insurance is definitely available from both online companies and with local Dallas insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not provide rate quotes online and usually these small insurance companies provide coverage only through local independent agencies.

When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. In many cases, someone dropped uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. Your goal is to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.

Additional car insurance information is located at the links below

• What Does No-Fault Insurance Cover? (Allstate)
• What Car Insurance is Cheapest for a Company Car in Dallas? (FAQ)
• Who Has Cheap Auto Insurance for 17 Year Olds in Dallas? (FAQ)
• Who Has the Cheapest Auto Insurance for College Students in Dallas? (FAQ)
• What Car Insurance is Cheapest for Single Moms in Dallas? (FAQ)
• How Much are Dallas Auto Insurance Quotes for Ride Shares? (FAQ)
• Who Has the Cheapest Car Insurance Rates for a Subaru Outback in Dallas? (FAQ)
• Car Insurance FAQ (Trusted Choice)
• Insurance Losses by Make and Model (iihs.org)