Save Money on Mercury Mariner Insurance in Omaha

Insurance rates Mercury Mariner in OmahaTo save the most money, the best way to get affordable Mercury Mariner insurance is to do a yearly price comparison from insurers who provide car insurance in Omaha.

  1. Try to learn about how insurance companies determine prices and the things you can control to prevent expensive coverage. Many factors that are responsible for high rates such as your driving record and a substandard credit score can be remedied by making small lifestyle or driving habit changes. Keep reading for additional ideas to get cheaper rates and find additional discounts you may qualify for.
  2. Quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while independent agencies can provide rate quotes from multiple sources.
  3. Compare the new rate quotes to your existing policy and determine if cheaper Mariner coverage is available in Omaha. If you find better rates, make sure there is no lapse in coverage.
  4. Tell your current company of your decision to cancel your current policy and submit a down payment along with a completed application to the new company. As soon as you can, place the new certificate verifying coverage in an easily accessible location in your vehicle.

One piece of advice is to try to compare identical limits and deductibles on each quote request and and to get rates from as many carriers as you can. This enables a fair rate comparison and the best price selection.

It’s an obvious assumption that insurance companies don’t want you shop around. People who shop around are highly likely to move their business because of the good chance of finding a more affordable policy premium. A study discovered that people who routinely compared rates saved over $72 a month compared to other drivers who never compared rates.

If finding the best rates on Mercury Mariner insurance is why you’re reading this, then learning about how to choose a company and compare auto insurance can help simplify the process.

Free Omaha Mercury Mariner insurance price quotes

The companies shown below can provide price comparisons in Omaha, NE. If you want to find cheap car insurance in NE, it’s highly recommended you visit several of them to get the best price comparison.

Do you qualify for discounts on Mercury Mariner insurance in Omaha?

Not too many consumers would say car insurance is affordable, but you might already qualify for some discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be specifically requested prior to getting the savings.Cheaper car insurance with discounts

As a footnote on discounts, most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck.

The illustration below illustrates the difference between Mercury Mariner yearly insurance costs with and without policy discounts. The premium estimates are based on a male driver, no violations or claims, Nebraska 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 multi-policy, homeowner, claim-free, marriage, safe-driver, and multi-car discounts applied.

A partial list of companies that may offer policyholders these discounts include:

When getting free Omaha auto insurance quotes, it’s a good idea to all the companies to apply every possible discount. Some credits might not apply in your area.

Coverage analysis

The price information below highlights a range of prices for Mercury Mariner models. Having knowledge of how rates are formulated can be useful when making smart policy decisions.

Mercury Mariner Insurance Rates in Omaha, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $286 $470 $344 $20 $102 $1,222 $102
Mariner Premier 2WD $286 $574 $344 $20 $102 $1,326 $111
Mariner AWD $286 $574 $344 $20 $102 $1,326 $111
Mariner Hybrid 2WD $286 $676 $404 $24 $122 $1,512 $126
Mariner Premier AWD $324 $574 $344 $20 $102 $1,364 $114
Mariner Hybrid AWD $324 $676 $404 $24 $122 $1,550 $129
Get Your Own Custom Quote Go

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Estimates do not factor in vehicle garaging location which can increase or decrease coverage prices significantly.

An analysis of deductible level

One of the most common auto insurance questions is which deductibles should you choose. The premium rates below may help to illustrate the price difference when you buy lower versus higher physical damage deductibles. The first price estimate table uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.

Mercury Mariner insurance rates 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
Get Your Own Custom Quote Go

Mercury Mariner insurance rates with $1,000 deductibles
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

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can increase or decrease price quotes noticeably.

Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $31 more each month or $372 every year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 29 months between claim filings, you would save money if you choose the higher deductible. Below is a better example of how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $95
Average monthly premium for $1,000 deductibles (subtract): – $64
Monthly savings from raising deductible: $31
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

One important caveat is that a higher deductible level means you will have to cover more of the damage yourself when you have a claim. You need to have some money saved in the event you need to pay the deductible.

The chart below shows how choosing a deductible and can raise or lower Mercury Mariner insurance prices for different insured age categories. The data is based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

Liability only or full coverage

The illustration below shows the difference between Mercury Mariner premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Nebraska. The premium estimates are based on a clean driving record, no claims, $1,000 deductibles, marital status is single, and no discounts are applied.

Guidelines for eliminating full coverage

There is no definitive rule of when to eliminate physical damage coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s pretend your Mercury Mariner book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after the policy deductible has been paid. If you are currently paying more than $800 annually for full coverage, then you may need to consider dropping full coverage.

There are a few cases where only buying liability is not in your best interest. If you still have a lienholder on your title, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

Informed Drivers Can Reduce Insurance Rates

It’s important that you understand the factors that come into play when calculating the rates you pay for insurance. If you know what impacts premium levels, this allows you to make good choices that can help you get lower premium levels. Lots of things are used when you get a price on insurance. Some factors are common sense like an MVR report, but others are more transparent like your continuous coverage or how safe your car is.

The items below are some of the major factors utilized by car insurance companies to help set your rates.