If you want to save money, the best way to get cheaper Mercury Mariner insurance in Pittsburgh is to make a habit of comparing prices annually from insurance carriers that insure vehicles in Pennsylvania. This can be done by completing these steps.
Step 1: Take a few minutes and learn about the different coverages in a policy and the measures you can take to lower rates. Many rating criteria that increase rates such as speeding tickets, careless driving and a low credit rating can be controlled by paying attention to minor details.
Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give rate quotes from a single company like GEICO or Farmers Insurance, while independent agents can provide price quotes from multiple companies.
Step 3: Compare the new rates to your current policy premium to see if switching to a new carrier will save money. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide notification to your current company of your decision to cancel your existing policy and submit any necessary down payment along with the completed application to the new company. As soon as you can, place the new certificate verifying coverage along with your vehicle registration.
A good tip to remember is to use the same level of coverage on each price quote and and to get price quotes from as many different insurance providers as possible. This guarantees a fair price comparison and the best price selection.
It’s easy to assume that auto insurance companies don’t want you to look for a cheaper policy. Insureds who get price quotes annually are inclined to switch insurance companies because they have good chances of finding more affordable rates. A recent survey revealed that drivers who compared rate quotes regularly saved as much as $3,500 over four years compared to other drivers who never shopped around.
If finding the best price on car insurance in Pittsburgh is your objective, understanding how to shop and compare insurance rates can make shopping around easier.
Shopping around for the lowest-priced protection in Pittsburgh is not as hard as you think. If you have insurance now or just want cheaper coverage, you will benefit by learning to cut your premiums and possibly find even better coverage. Drivers just have to understand the tricks to compare insurance rates from many different companies online.
The companies shown below can provide quotes in Pennsylvania. To buy cheap car insurance in PA, it’s highly recommended you get prices from several of them to get the best price comparison.
Insurance statistics and figures
The rate information below outlines different insurance policy prices for Mercury Mariner models. Understanding how policy rates are determined can assist in making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $244 | $412 | $294 | $18 | $88 | $1,056 | $88 |
| Mariner Premier 2WD | $244 | $502 | $294 | $18 | $88 | $1,146 | $96 |
| Mariner AWD | $244 | $502 | $294 | $18 | $88 | $1,146 | $96 |
| Mariner Hybrid 2WD | $244 | $590 | $346 | $20 | $104 | $1,304 | $109 |
| Mariner Premier AWD | $274 | $502 | $294 | $18 | $88 | $1,176 | $98 |
| Mariner Hybrid AWD | $274 | $590 | $346 | $20 | $104 | $1,334 | $111 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can increase or decrease price quotes considerably.
Why you need quality insurance for your Mariner
Even though it can be expensive, paying for auto insurance is mandatory in Pennsylvania but it also protects more than you think.
- Most states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability insurance if you don’t want to risk a ticket. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your vehicle, most lenders will require that you have physical damage coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Mercury for a much higher rate and force you to pay for the expensive policy.
- Insurance safeguards your Mercury and your assets. It will also reimburse you for medical expenses that are the result of an accident. Liability coverage, the one required by state law, also covers legal expenses if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance definitely exceed the price paid, especially if you ever need it. But the average American driver is overpaying over $800 each year so you should quote and compare rates every year to make sure the price is not too high.
How Insurance Companies Calculate Mercury Mariner Insurance Prices
Part of the car insurance buying process is learning the rating factors that come into play when calculating your premiums. When consumers understand what controls the rates you pay, this allows you to make educated decisions that will entitle you to cheaper rates.
Shown below are some of the most common factors used by companies to determine your rates.
Never have car insurance lapses – Driving any period of time without insurance is a big no-no and as a result your rates will increase for letting your coverage have a gap. And not only will insurance be more expensive, failure to provide proof of insurance may result in a fine, jail time, or a revoked license. You may then have to file a SR-22 with the Pennsylvania motor vehicle department to get your license reinstated.
Careless drivers pay higher premiums – A bad driving record impacts your car insurance rates tremendously. Good drivers tend to pay less for car insurance compared to drivers with tickets. Even one moving violation can increase the cost of insurance twenty percent or more. People who have multiple violations such as DUI or reckless driving might be required by their state to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
The example below illustrates how violations and at-fault claims can affect Mercury Mariner car insurance costs for different age groups. The rate quotes are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
Keep car insurance rates low by being claim-free – Auto insurance companies in Pennsylvania award most affordable rates to policyholders who only file infrequent claims. If you frequently file small claims, you can expect either higher rates or even cancellation. Your car insurance is meant to be used in the event of larger claims.
Does car insurance cost more for guys? – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. It does not mean males are worse at driving than females. Men and women are responsible for auto accidents at a similar rate, but males tend to have higher claims. Not only are claims higher, but men get cited for more serious violations like DUI and reckless driving.
The illustration below compares Mercury Mariner premium costs for male and female drivers. The information is based on no accidents, no driving violations, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
Marriage can lower premiums – Your spouse may save some money on car insurance. It may mean you are more responsible and it’s statistically proven that married drivers get in fewer accidents.
Pittsburgh car insurance companies ranked
Ending up with a highly-rated car insurance provider is hard considering how many choices drivers have in Pennsylvania. The company information below can help you choose which auto insurers you want to consider purchasing a policy from.
Top 10 Pittsburgh Car Insurance Companies Ranked by Value
- The General
- The Hartford
- Titan Insurance
- Farmers Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
- Travelers
- Progressive
What is YOUR best insurance company?
We’ve covered some good ideas how to reduce Mercury Mariner insurance rates online in Pittsburgh. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may even be surprised to find that the lowest rates come from a lesser-known regional company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as GEICO and State Farm.
Budget-friendly insurance in Pittsburgh is definitely available on the web and from local insurance agents, so you need to shop Pittsburgh auto insurance with both to get a complete price analysis. A few companies do not offer online rate quotes and these regional insurance providers only sell coverage through independent insurance agencies.
To read more, take a look at the articles below:
- How do I File a Claim? (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Drivers with Bad Credit in Pittsburgh? (FAQ)
- Collision Insurance Coverage (Nationwide)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Preventing Carjacking and Theft (Insurance Information Institute)