Save Money on Mercury Mariner Insurance in Charlotte

How long have you put off shopping around for cheaper car insurance rates in Charlotte, NC? Charlotte drivers have many options when trying to find low-cost Mercury Mariner insurance. They can either waste time struggling with agents to get rate comparisons or utilize the internet to get rate quotes.

There is a better way to shop for car insurance and you need to know the best way to quote coverages for a Mercury and obtain the best price possible from Charlotte insurance agents and online providers.

If you have insurance now or just want to save money, you can use these techniques to find the best rates while maintaining coverages. These techniques will familiarize you with the best ways to compare prices and some tricks to saving. Vehicle owners only need to know the quickest way to compare insurance rates using one simple form.

The method we recommend to compare insurance rates from multiple companies is to realize most larger insurance companies allow for online access to compare their rates. The one thing you need to do is provide information including whether or not you need a SR-22, marital status, if it has an anti-theft system, and the ages of drivers. Your rating data is instantly sent to many highly-rated insurers and they return rate quotes instantly to find the best rate.

To find lower cheap Mercury Mariner insurance rates now, click here then complete the form.

The companies shown below can provide price quotes in Charlotte, NC. To buy the best car insurance in NC, we suggest you visit as many as you can in order to find the most affordable rates.

Cheap Charlotte auto insurance rates with discounts

Car insurance is not cheap, but you may be missing some discounts that can drop the cost substantially. A few discounts will automatically apply at the time of quoting, but some must be inquired about before being credited. If you check and find you aren’t receiving every discount possible, you are throwing money away.

• Defensive Driver Discounts – Taking time to complete a course that instructs on driving safety can save you 5% or more if your company offers it.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Low Miles Discount – Low annual miles could earn lower premium rates on the low mileage vehicles.
• Government Employee Discount – Having worked for a branch of the government could qualify for a slight premium decrease with select insurance companies.
• Active Military Service – Having a family member in the military may qualify for rate reductions.
• Anti-theft System – Cars that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your Charlotte car insurance quote.
• Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
• 55 and Retired – Seniors may qualify for better auto insurance rates.
• Good Driver Discounts – Accident-free drivers may save up to 50% more than drivers with accident claims.

We need to note that most credits do not apply to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. So when the math indicates you can get free auto insurance, it doesn’t quite work that way.

The chart below compares Mercury Mariner insurance prices with and without discounts. The premium estimates are based on a male driver, no tickets, no at-fault accidents, North Carolina 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, multi-policy, multi-car, homeowner, claim-free, and marriage discounts applied.

To locate auto insurance companies who offer auto insurance discounts in Charlotte, click here to view.

Rates and statistics

The premium table below showcases estimates of policy rates for Mercury Mariner models. Learning more about how insurance policy premiums are established is important to be able to make smart choices when choosing a car insurance company.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Information does not factor in vehicle garaging location which can influence premiums noticeably.

Deductible analysis

The hardest decision when buying coverage is where should you set your physical damage deductibles. The rates below summarize the rate differences when you choose different coverage deductibles. The first rate table uses a $250 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Prices do not factor in specific Charlotte garaging location which can revise prices substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $19 more each month or $228 a year averaged for all Mariner models than buying the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 39 months between claims, you would probably save some money if you opt for a higher deductible.

An important thing to remember is that raising deductibles to save money means you pay more out-of-pocket if you have a claim. It will be required that you have some savings in the bank in the event you have to pay more for the deductible.

Yearly car insurance costs for men versus women

The diagram below illustrates the comparison of Mercury Mariner auto insurance rates for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, comp and collision included, $250 deductibles, single marital status, and no policy discounts are applied.