Compare Mercury Mariner Insurance Rate Quotes in Philadelphia

Trying to find low-cost insurance for a Mercury Mariner in Pennsylvania can turn out to be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to compare auto insurance rates and you need to know the absolute fastest way to compare rates on a Mercury and get the lowest possible price.

Locating the most cost-effective car insurance policy in Philadelphia can initially seem challenging. If you have a current car insurance policy or are looking for a new policy, you can learn to lower your rates and still get good coverage. You just need to understand the most effective way to shop from many different companies.

Many insurance companies make it easy to get prices for coverage on their websites. Doing online price comparisons for Mercury Mariner insurance in Philadelphia is very simple as you simply type in the coverages you want into a form. Once entered, their system pulls your driving and credit reports and quotes a price based on many factors.

Using the web to get rates for Mercury Mariner insurance in Philadelphia helps simplify price comparisons, and it is important to compare as many rates as possible if you want to get the best insurance rates.

To save time and find out if lower rates are available, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you replicate your coverages as shown on your current policy. Doing this guarantees you will have rate quotes for similar insurance coverage.

The following companies can provide comparison quotes in Philadelphia, PA. If multiple companies are shown, it’s a good idea that you visit as many as you can in order to get a fair rate comparison.

Rates and detailed analysis

The price information displayed next highlights different insurance premium costs for Mercury Mariner models. Learning as much as possible about how rate quotes are established can benefit drivers when making informed decisions when shopping around for a new policy.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Prices do not factor in vehicle garaging location which can lower or raise premiums considerably.

Deductible analysis

A question often asked by Philadelphia drivers is how high should the physical damage deductibles be. The following insurance rates approximate the difference in cost when you select higher and lower policy deductibles. The first set of rates uses a $250 deductible for physical damage and the second set of rates uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate information does not factor in your specific Philadelphia location which can affect auto insurance rates greatly.

Based on these figures, using a $250 deductible costs an average of $13 more each month or $156 annually than choosing the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 19 months between claim filings, you would save money if you decide on a higher deductible.

The chart below illustrates how choosing a deductible and can affect Mercury Mariner yearly insurance costs for each different age category. The data assumes a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

Three reasons car insurance is important

Even though it can be expensive, insuring your vehicle is required in Pennsylvania but it also protects you in many ways.

First, just about all states have minimum liability requirements which means state laws require a specific minimum amount of liability in order to be legal. 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.

Second, if your Mercury Mariner has a loan, most banks will have a requirement that you have insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender may insure your Mercury for a much higher rate and force you to pay for the expensive policy.

Third, insurance safeguards both your assets and your vehicle. It will also pay for most medical and hospital costs for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.

The benefits of carrying adequate insurance are definitely more than the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is currently overpaying as much as $865 each year so it’s recommended you shop around at least once a year to ensure rates are competitive.

Good Decisions Result in Lower Insurance Costs

Many things are used in the calculation when quoting car insurance. Some factors are common sense like a motor vehicle report, but other factors are less apparent such as whether you are married or how financially stable you are.

The itemized list below are some of the factors used by insurance companies to determine prices.

Uninterrupted coverage lowers insurance rates – Having a lapse in insurance coverage can be a sure-fire way to pay more for insurance. Not only will rates go up, failure to provide proof of insurance may earn you a steep fine or even jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with the Pennsylvania department of motor vehicles.

Fast cars cost more to insure – The make and model of the car you drive makes a significant difference in your premium level. The cheapest insurance rates tend to be for small economy passenger vehicles, but other factors influence the final cost greatly.

The following data uses these variables: single female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It shows Mercury Mariner insurance premiums compared to other models that have a range of performance risks.

Pay lower prices if you’re married – Having a significant other may earn you lower rates on your policy. Marriage may mean you are more mature and it’s statistically proven that drivers who are married are more cautious.

Low stress job equals lower rates – Occupations such as military generals, executives, and financial analysts usually pay higher rates than average in part from intense work requirements and long work days. On the flip side, professions such as professors, athletes and the unemployed pay lower than average rates.

Consolidate and save – Many insurers apply better rates to clients that purchase more than one policy, otherwise known as a multi-policy discount. This can amount to ten or even fifteen percent. Even if you’re getting this discount it’s always a smart idea to shop around to make sure you are getting the best deal.

Philadelphia auto insurance discounts

Not many people think insurance is cheap, but there are discounts available that you may not know about. Many discounts should be triggered when you complete an application, but occasionally some discounts must be inquired about in order for you to get them.

• Defensive Driving Course – Taking part in a course in safe driver can save you 5% or more if you qualify.
• Multiple Policy Discount – If you can bundle your auto and homeowners insurance with the same company you could save up to 20% and get you affordable Mercury Mariner insurance rates in Philadelphia.
• Telematics Devices – Policyholders that allow their company to look at vehicle usage by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if their driving habits are good.
• Good Student Discount – Getting good grades could provide a savings of up to 20% or more. Many companies even apply the discount to college students until age 25.
• College Student – Children who are enrolled in higher education away from home and don’t have a car could qualify for this discount.
• Low Miles Discount – Driving fewer miles can qualify you for discounted prices on garaged vehicles.
• Professional Memberships – Belonging to qualifying employment or professional organizations could qualify you for a break on your next auto insurance statement.
• Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts may earn rate discounts of 20% or more.
• Accident Free – Drivers who don’t have accidents have much lower rates as compared to insureds who have frequent claims or accidents.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle up could cut 10% or more off the personal injury premium cost.

As a footnote on discounts, many deductions do not apply to the whole policy. Most only cut the cost of specific coverages such as comp or med pay. Even though it appears adding up those discounts means a free policy, auto insurance companies aren’t that generous.

The information below shows the difference between Mercury Mariner auto insurance rates with and without discounts applied to the policy rates. The data is based on a female driver, no violations or accidents, Pennsylvania 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, multi-policy, homeowner, claim-free, multi-car, and safe-driver discounts applied.

Insurance companies that have these benefits include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

Check with all the companies how you can save money. All car insurance discounts may not be available in every state. To see a list of companies that have a full spectrum of discounts in Pennsylvania, click this link.

When in doubt talk to an agent

When selecting adequate coverage for your personal vehicles, there really isn’t a cookie cutter policy. You are unique and a cookie cutter policy won’t apply.
These are some specific questions might point out whether you would benefit from professional advice.

• How high should deductibles be on a Mercury Mariner?
• What if I owe more than I can insure my car for?
• Why do I have to buy liability insurance?
• Is my nanny covered when driving my vehicle?
• Will damage be repaired with OEM parts?
• Do I have coverage when using my vehicle for my home business?
• What is the ISO rating for a Mercury Mariner?
• Is my custom stereo system covered?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Local Philadelphia insurance agencies

Many people would rather sit down and talk to an agent and there is nothing wrong with that. Good insurance agents are trained to spot inefficiencies and help in the event of a claim. The biggest benefit of comparing auto insurance online is you may find cheap auto insurance quotes and also buy local.

After filling out this form (opens in new window), your information is instantly submitted to insurance agents in Philadelphia who will gladly provide quotes for your insurance coverage. You won’t need to drive around because prices are sent to you directly. If you need to compare rates from a specific auto insurance provider, you can always go to their quote page and complete a quote there.

Selecting a insurance company requires more thought than just a cheap price quote. These are valid questions to ask:

• Do the coverages you’re quoting properly cover your vehicle?
• How would your car be valued if totaled?
• How often do they review coverages?
• Is there a 24/7 contact number?
• Will they take your side in the event of a claim?

Choose an insurance agent wisely

If you want to use a local Philadelphia insurance agency, it’s helpful to know the different types of agents and how they can write your policy. Auto insurance agents are considered either independent agents or exclusive agents depending on their employer. Either one can properly insure your vehicles, but it’s important to know the differences because it can impact which type of agent you select.

Exclusive Agents

Agents of this type can only provide one company’s prices and examples are American Family, State Farm, and Allstate. They are unable to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agencies are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage. Some people will only choose to use a exclusive agent mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.

Listed below is a short list of exclusive insurance agents in Philadelphia who may provide you with price quote information.

• Joe Ems – State Farm Insurance Agent
  7348 Frankford Ave – Philadelphia, PA 19136 – (215) 333-5100 – View Map
• Brian Madalion – State Farm Insurance Agent
  7208 Ogontz Ave – Philadelphia, PA 19138 – (215) 549-4900 – View Map
• State Farm – Philadelphia – Thanh Pham
  254 S 10th St – Philadelphia, PA 19107 – (215) 238-7400 – View Map

View more Philadelphia agents

Independent Agents (or Brokers)

These type of agents do not work for one specific company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and you can keep the same agent.

When comparing rates, you will definitely want to include several independent insurance agents to have the most options to choose from. Many independent agencies also insure through lesser-known insurance companies which can be an advantage.

Listed below are independent insurance agencies in Philadelphia who can help you get price quotes.

• Philadelphia Insurance Companies
  231 St Asaphs Rd #100 – Bala Cynwyd, PA 19004 – (610) 617-7900 – View Map
• Torri Insurance Agency
  214 Fairmount Ave – Philadelphia, PA 19123 – (800) 701-5909 – View Map
• America Insurance Agency Inc
  7214 Frankford Ave – Philadelphia, PA 19135 – (800) 283-0500 – View Map

View more Philadelphia agents

A little work can save a LOT of money

We’ve covered a lot of techniques to shop for Mercury Mariner insurance online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the best price on insurance is with an unexpected company. Some small companies may only write in your state and offer lower car insurance rates compared to the large companies like State Farm or Progressive.

Cost effective Mercury Mariner insurance can be found online as well as from insurance agents, so get free Philadelphia car insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers do not provide rates over the internet and usually these small insurance companies provide coverage only through local independent agents.

For more information, take a look at these articles:

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Who Has Affordable Philadelphia Auto Insurance Rates After a Speeding Ticket? (FAQ)
• What Car Insurance is Cheapest for a Chevrolet Traverse in Philadelphia? (FAQ)
• Who Has Affordable Philadelphia Car Insurance Quotes for a Ford Fusion? (FAQ)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
• How do I File a Claim? (Insurance Information Institute)
• Prom Night Tips for Teen Drivers (State Farm)