How to Compare Cleveland Mercury Mariner Insurance

Insurance quote for Mercury Mariner in ClevelandWant to know an easy way to compare more competitive Mercury Mariner insurance in Cleveland? Having to pay for pricey Mercury Mariner insurance in Cleveland can bleed your bank account and possibly require you to analyze your spending habits.

A recent car insurance study revealed that over 70% of drivers have stayed with the same insurance company for well over three years, and just short of a majority have never taken the time to shop around. With the average premium in Ohio being $1,300, drivers can cut their rates by roughly 55% a year just by getting comparison quotes, but they don’t know how much money they would save if they just switched companies.

With so many online and local companies to choose from, it can be hard to find the right car insurance provider.

It’s smart to take a look at other company’s rates every six months because car insurance prices change frequently. Despite the fact that you may have had the best quotes on Mercury Mariner insurance in Cleveland a couple years back a different company probably has better rates today. Block out anything you think you know about car insurance because you’re about to find out one of the quickest ways to lower your rates without sacrificing coverage.

Our goal in writing this article instruct you on how to get online quotes and some tricks to saving. If you are insured now, you will definitely be able to reduce premiums using this strategy. Although Ohio car owners benefit from understanding how big insurance companies market insurance on the web because it can help you find the best coverage.

What Determines Mercury Mariner Insurance Rates?

Many different elements are used in the calculation when you quote your car insurance policy. A few of the factors are predictable like your driving record, but others are less obvious such as your credit history or your commute time. A large part of saving on insurance is knowing a few of the rating criteria that aid in calculating the price you pay for insurance. If you have a feel for what controls the rates you pay, this allows you to make educated decisions that will entitle you to lower premium levels.

Listed below are some of the factors used by companies to determine prices.

Mercury Mariner insurance analysis

The price information displayed below outlines a range of insurance costs for Mercury Mariner models. Knowing how insurance policy premiums are determined can be of help when making decisions on which coverage to buy.

Mercury Mariner Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $168 $274 $250 $14 $76 $782 $65
Mariner Premier 2WD $168 $334 $250 $14 $76 $842 $70
Mariner AWD $168 $334 $250 $14 $76 $842 $70
Mariner Hybrid 2WD $168 $394 $296 $18 $88 $964 $80
Mariner Premier AWD $190 $334 $250 $14 $76 $864 $72
Mariner Hybrid AWD $190 $394 $296 $18 $88 $986 $82
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Information does not factor in zip code location which can revise coverage prices considerably.

Deductible analysis

A question often asked by Cleveland drivers is which deductible level should you buy. The tables below lay out the differences in premium rates when you buy lower versus higher policy deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Mercury Mariner insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $196 $290 $192 $12 $58 $773 $64
Mariner Premier 2WD $196 $352 $192 $12 $58 $835 $70
Mariner AWD $196 $352 $192 $12 $58 $835 $70
Mariner Hybrid 2WD $196 $416 $226 $14 $68 $945 $79
Mariner Premier AWD $220 $352 $192 $12 $58 $859 $72
Mariner Hybrid AWD $220 $416 $226 $14 $68 $969 $81
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Mercury Mariner insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $142 $196 $192 $12 $58 $600 $50
Mariner Premier 2WD $142 $238 $192 $12 $58 $642 $54
Mariner AWD $142 $238 $192 $12 $58 $642 $54
Mariner Hybrid 2WD $142 $280 $226 $14 $68 $730 $61
Mariner Premier AWD $160 $238 $192 $12 $58 $660 $55
Mariner Hybrid AWD $160 $280 $226 $14 $68 $748 $62
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price estimates do not factor in Cleveland location which can alter insurance rates considerably.

Based on the above data, using a $100 deductible will cost in the ballpark of $17 more each month or $204 for a full year than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 24 months between claim filings, you would save more money if you elect the higher deductible.

Do you need full coverage?

The illustration below visualizes the comparison of Mercury Mariner car insurance rates with and without physical damage coverage. The premiums assume no violations or accidents, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

When to eliminate full coverage

There is no clear-cut rule of when to eliminate comp and collision coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s say your Mercury Mariner replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after paying your policy deductible. If you are paying in excess of $200 annually for full coverage, then it could be time to drop full coverage.

There are some conditions where only buying liability is not a good plan. If you still have a loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should maintain full coverage.

Insurance policy discounts for Mercury Mariner insurance in Cleveland

Car insurance is not cheap, but there may be some discounts that may help make it more affordable. Most are applied at the time of purchase, but occasionally some discounts must be specifically requested prior to receiving the credit.Save money with discounts

One thing to note about discounts is that some credits don’t apply to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. Even though it appears it’s possible to get free car insurance, it just doesn’t work that way.

The example below illustrates the difference between Mercury Mariner car insurance costs with and without discounts applied to the premium. The costs are based on a male driver, a clean driving record, no claims, Ohio state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, multi-policy, claim-free, and marriage discounts applied.

If you would like to view insurers that provide some of the discounts listed above in Ohio, follow this link.

Ohio auto insurance companies ranked

Insuring your vehicle with the highest-rated car insurance provider is difficult considering how many different companies sell coverage in Cleveland. The company rank data listed below could help you choose which coverage providers to look at purchasing from.

Top 10 Cleveland Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 92%
  2. Erie Insurance – 88%
  3. American Family – 88%
  4. State Farm – 88%
  5. Nationwide – 88%
  6. 21st Century – 88%
  7. AAA Insurance – 87%
  8. Liberty Mutual – 87%
  9. Farmers Insurance – 87%
  10. The Hartford – 87%

Top 10 Cleveland Car Insurance Companies Ranked by Customer Service

  1. Mercury Insurance
  2. Nationwide
  3. State Farm
  4. Safeco Insurance
  5. American Family
  6. Titan Insurance
  7. Travelers
  8. Liberty Mutual
  9. GEICO
  10. Erie Insurance

A conclusion for your car insurance search

As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice liability coverage limits and discovered at claim time that it was a big mistake. Your objective should be to get the best coverage possible at the best possible price, but don’t skip important coverages to save money.

Cost effective Mercury Mariner insurance can be found on the web and from local agencies, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies don’t offer price quotes online and these small, regional companies only sell through independent insurance agencies.

How to find the cheapest rates for Mercury Mariner insurance in Cleveland

If you want to save money, the best way to get low-cost Mercury Mariner insurance in Cleveland is to start comparing rates regularly from insurance carriers that sell auto insurance in Ohio. Rate comparisons can be done by following these steps.

  1. Read and learn about how insurance companies determine prices and the steps you can take to prevent rate increases. Many policy risk factors that cause high rates such as accidents, traffic violations, and a less-than-favorable credit score can be controlled by making minor driving habit or lifestyle changes.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or State Farm, while independent agents can provide prices from many different companies.
  3. Compare the price quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate quote and make a switch, make sure coverage does not lapse between policies.

An important note is to make sure you’re comparing the same deductibles and limits on every quote request and and to get quotes from every company you can. This ensures a fair price comparison and the best rate selection.

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