Cheap Rates for Mercury Mariner Insurance in Madison

A recent survey discovered that the vast majority of consumers renewed their policy with the same company for well over three years, and almost 40% of drivers have never compared rates with other companies. With the average insurance premium being $1,847, American drivers could save roughly $850 every year, but they don’t believe the benefits if they switched to a cheaper policy.

Insurance rates Mercury Mariner in MadisonIf saving money is your primary concern, then the best way to get more affordable auto insurance rates in Madison is to annually compare prices from companies that insure vehicles in Wisconsin. Rate comparisons can be done by completing these steps.

A good piece of advice is that you’ll want to compare the same level of coverage on each quote request and and to get price estimates from as many carriers as you can. Doing this guarantees a fair rate comparison and a complete price analysis.

Locating the best rates in Madison is not that difficult. If you have insurance now or need a new policy, take advantage of these tips to buy cheaper car insurance while maximizing coverage. Smart shoppers just have to know the proper methods to compare company rates using one simple form.

Verify you’re receiving every discount

Car insurance companies don’t list the entire discount list in an easy-to-find place, so we took the time to find both well-publicized and also the lesser-known discounts that may be available.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, that’s just not realistic.

The example below illustrates the comparison of Mercury Mariner auto insurance rates with and without discounts being applied to the rates. The premiums assume a female driver, no driving violations, no at-fault accidents, Wisconsin state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, homeowner, multi-car, and claim-free discounts applied.

Auto insurance companies that may offer some of the above discounts include:

If you are trying to find low cost Madison car insurance quotes, ask each company or agent which discounts you may be entitled to. Some of the discounts discussed earlier may not be offered in every state. If you would like to view companies that offer many of these discounts in Madison, follow this link.

Lowering your Mercury Mariner car insurance rates is surprisingly easy. You just need to take a few minutes to get quotes from online providers.

Doing price comparisons online is so simple that it replaces the need to actually drive to different Madison agent offices. The ability to get quotes online makes this process obsolete unless your situation requires the professional assistance of a local Madison agent. Drivers can comparison shop online but still have the advice of a local agent.

The providers in the list below offer free rate quotes in Wisconsin. To locate the best car insurance in Madison, we suggest you visit two to three different companies to get the most competitive price.

Mercury Mariner coverage statistics

The rate table below covers detailed analysis of insurance premium costs for Mercury Mariner models. Learning a little about how prices are calculated is important for drivers to make smart choices when purchasing an insurance policy.

Mercury Mariner Insurance Rates in Madison, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $112 $168 $188 $12 $56 $536 $45
Mariner Premier 2WD $112 $206 $188 $12 $56 $574 $48
Mariner AWD $112 $206 $188 $12 $56 $574 $48
Mariner Hybrid 2WD $112 $242 $220 $14 $66 $654 $55
Mariner Premier AWD $128 $206 $188 $12 $56 $590 $49
Mariner Hybrid AWD $128 $242 $220 $14 $66 $670 $56
Get Your Own Custom Quote Go

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can alter premium rates considerably.

Violations and accidents raise rates

The diagram below shows how violations and accident claims raise Mercury Mariner auto insurance costs for different insured age categories. The data assumes a single female driver, full coverage, $1,000 deductibles, and no discounts are applied.

How much insurance do I need?

When choosing the best insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your financial needs are unique and a cookie cutter policy won’t apply. These are some specific questions can help discover if you could use an agent’s help.

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Should I get advice from a local insurance agent?

A lot of people still like to talk to an insurance agent and that can be a great decision Good agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of getting free rate quotes online is that you can obtain the best rates and still choose a local agent.

Madison insurance agentsUpon completion of this short form, your coverage information is instantly submitted to companies in Madison who will give competitive quotes and help you find cheaper coverage. It’s much easier because you don’t need to find an agent on your own as quotes are delivered to you directly. If you need to get a price quote from a particular provider, don’t hesitate to find their quoting web page and submit a quote form there.

Choosing a insurance company should depend on more than just a cheap price quote. Some important questions to ask are:

If you want to buy auto insurance from a reputable agency, you should know the different types of agencies and how they function. Insurance agencies in Madison may be either exclusive or independent (non-exclusive). Either one can handle auto insurance, but it’s important to point out how they differ since it can impact the type of agent you choose.

Exclusive Agents

Exclusive agencies work for only one company and some examples include State Farm or Allstate. These agents are unable to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive agents are highly trained in insurance sales which helps them compete with independent agents.

Listed below is a short list of exclusive agencies in Madison that are able to give comparison quotes.

424 S Park StMadison, WI 53715(608) 257-5132View Map

637 E Washington AveMadison, WI 53703(608) 249-3111View Map

5555 Odana Rd #201Madison, WI 53719(608) 278-7055View Map

View more Madison agents

Independent Insurance Agents

These type of agents are not employed by one company so they can insure your vehicles with an assortment of companies and find you the best rates. To transfer your coverage to a different company, an independent agent can move your coverage and you can keep the same agent.

When searching for an agent, you need to contact independent agents to have the best price comparison.

Listed below are Madison independent agents willing to provide rate quotes.

6601 Grand Teton Plaza #7Madison, WI 53719(608) 203-8666View Map

3830 Atwood AveMadison, WI 53714(608) 273-3361View Map

2045 Atwood Ave #113AMadison, WI 53704(608) 251-3009View Map

View more Madison agents

Choosing the best vehicle insurance in Wisconsin is an important decision

Despite the high cost, paying for auto insurance is required for several reasons.

First, the majority of states have mandatory insurance requirements which means the state requires specific minimum amounts of liability insurance if you drive a vehicle. In Wisconsin these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you took out a loan on your car, most lenders will require you to carry insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may insure your Mercury for a much higher rate and force you to reimburse them the higher price.

Third, insurance protects both your vehicle and your personal assets. Insurance will also pay for most medical and hospital costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of having auto insurance greatly outweigh the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is overpaying over $869 every year so compare rate quotes each time the policy renews to be sure current rates are still competitive.

Insurance specifics

Knowing the specifics of your insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.

Collision protection

Collision insurance pays for damage to your Mariner caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, rolling your car, damaging your car on a curb, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible on your Mariner in order to get cheaper collision rates.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses like prosthetic devices, rehabilitation expenses, ambulance fees and pain medications. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Mercury Mariner.

Because many people only purchase the least amount of liability that is required (Wisconsin limits are 25/50/10), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability auto insurance

This coverage provides protection from damage that occurs to other people or property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/10 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $10,000.

Liability coverage protects against claims like funeral expenses, medical expenses, pain and suffering, medical services and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford. Wisconsin requires drivers to carry at least 25/50/10 but you should consider buying better liability coverage.

The next chart demonstrates why buying minimum limits may not provide you with enough coverage.

Comprehensive coverage (or Other than Collision)

This pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as falling objects, a broken windshield and hitting a deer. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Be persistent to save money

In this article, we presented a lot of information how to reduce Mercury Mariner insurance premium rates online in Madison. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even discover the most savings is with the least-expected company. Regional companies often have lower prices on specific markets compared to the large companies like Allstate, GEICO and Progressive.

Lower-priced car insurance in Madison can be purchased online and also from your neighborhood Madison agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who may not have the ability to get quotes online and these small, regional companies provide coverage only through independent agents.

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