A recent auto insurance study discovered that the vast majority of consumers kept their policy with the same company for at least the last four years, and nearly the majority have never quoted rates to find cheaper coverage. Drivers in the United States could save themselves 46.5% a year just by comparing rates, but they assume it’s a waste of time to compare rate quotes online.
If you want to find the absolute lowest rates, then the best way to find cheaper Mercury Mariner insurance is to start doing a yearly price comparison from insurance carriers who provide car insurance in Jacksonville. Rate comparisons can be done by following these steps.
First, take a little time to learn about car insurance and the measures you can take to prevent expensive coverage. Many things that cause high rates such as at-fault accidents, speeding tickets, and a poor credit rating can be amended by being financially responsible and driving safely. This article provides ideas to prevent rate hikes and get discounts that may be overlooked.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from one company like Progressive or State Farm, while independent agencies can provide price quotes for many different companies.
Third, compare the new rate quotes to your existing rates and see if you can save money. If you find a lower rate, verify that coverage does not lapse between policies.
Fourth, provide written notification to your current company of your intention to cancel the current policy. Submit the application along with any required down payment to the new company. Immediately upon receiving it, keep your new certificate of insurance in a readily accessible location in your vehicle.
The most important part of this process is that you use the same physical damage deductibles and liability limits on each quote and and to get rates from as many carriers as you can. This helps ensure a fair rate comparison and a complete price analysis.
Companies offering affordable Mercury Mariner rate quotes in Jacksonville, FL
The following companies can provide free rate quotes in Jacksonville, FL. If more than one company is shown, it’s a good idea that you visit as many as you can to get a more complete price comparison.
Auto insurance data for a Mercury Mariner
The table displayed next showcases a range of insurance premium costs for Mercury Mariner models. Having a good understanding how insurance premiums are figured can be of help when making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $308 | $522 | $400 | $24 | $120 | $1,374 | $115 |
| Mariner Premier 2WD | $308 | $636 | $400 | $24 | $120 | $1,488 | $124 |
| Mariner AWD | $308 | $636 | $400 | $24 | $120 | $1,488 | $124 |
| Mariner Hybrid 2WD | $308 | $748 | $472 | $28 | $142 | $1,698 | $142 |
| Mariner Premier AWD | $348 | $636 | $400 | $24 | $120 | $1,528 | $127 |
| Mariner Hybrid AWD | $348 | $748 | $472 | $28 | $142 | $1,738 | $145 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium amounts do not factor in specific garaging location which can lower or raise auto insurance rates significantly.
Physical damage deductibles
One of the hardest decisions when shopping for auto insurance is which deductible level should you buy. The figures shown below sum up the rate differences of buying low and high comp and collision deductibles. The first price estimate table uses a $100 deductible for physical damage and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $358 | $532 | $354 | $20 | $106 | $1,395 | $116 |
| Mariner Premier 2WD | $358 | $648 | $354 | $20 | $106 | $1,511 | $126 |
| Mariner AWD | $358 | $648 | $354 | $20 | $106 | $1,511 | $126 |
| Mariner Hybrid 2WD | $358 | $764 | $418 | $24 | $124 | $1,713 | $143 |
| Mariner Premier AWD | $406 | $648 | $354 | $20 | $106 | $1,559 | $130 |
| Mariner Hybrid AWD | $406 | $764 | $418 | $24 | $124 | $1,761 | $147 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $200 | $280 | $354 | $20 | $106 | $960 | $80 |
| Mariner Premier 2WD | $200 | $342 | $354 | $20 | $106 | $1,022 | $85 |
| Mariner AWD | $200 | $342 | $354 | $20 | $106 | $1,022 | $85 |
| Mariner Hybrid 2WD | $200 | $402 | $418 | $24 | $124 | $1,168 | $97 |
| Mariner Premier AWD | $224 | $342 | $354 | $20 | $106 | $1,046 | $87 |
| Mariner Hybrid AWD | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in specific location which can impact auto insurance rates substantially.
Based on the figures above, using a $100 deductible would cost the average driver about $42 more each month or $504 every year than choosing the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 21 months between claims, you would more than likely save some money if you opt for a higher deductible.
Auto insurance rates based on gender
The information below illustrates the difference between Mercury Mariner insurance premiums for male and female drivers. The information is based on no violations or accidents, comp and collision included, $250 deductibles, single marital status, and no discounts are factored in.
Cost difference between full coverage and liability
The diagram below illustrates the comparison of Mercury Mariner annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Florida. The price estimates are based on no violations or claims, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
Are you wasting money on full coverage?
There is no specific rule that is best for determining when to drop full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s say your Mercury Mariner replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $2,000 after paying your policy deductible. If you are paying more than $200 a year for your policy with full coverage, then it could be time to drop full coverage.
There are some circumstances where eliminating full coverage is not advised. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not buy liability only.
How Insurance Providers Calculate Mercury Mariner Insurance Rates
Lots of factors are part of the calculation when you get a price on insurance. Some of the criteria are obvious like an MVR report, but some are less obvious such as your marital status and annual miles driven. Smart consumers have a good feel for some of the things that help calculate the rates you pay for insurance. If you understand what impacts premium levels, this allows you to make educated decisions that may result in lower rates.
Shown below are most of the major factors used by companies to determine your premiums.
- Marriage is a factor – Your spouse may cut your premiums on your policy. Having a significant other means you’re more financially stable and statistics prove married couples file fewer claims.
- Know your credit score – Having a good credit history will be a significant factor in determining what you pay. Insureds with very good credit scores tend to be less risk to insure than drivers with lower credit ratings. If your credit rating can use some improvement, you could save money insuring your Mercury Mariner if you improve your credit rating.
- How much liability insurance do you need? – The liability coverage on your policy will afford coverage if you are ruled to be at fault for causing damage or personal injury in an accident. Your liability coverage provides legal defense coverage starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
- Incidental coverages can cost a lot – There are a lot of extra add-on coverages that can waste your money but may not be useful. Insurance for personal injury protection, death and dismemberment, and extra life insurance coverage could be just wasting money. You may think they are a good idea when talking to your agent, but if you’ve never needed them in the past remove them and pocket the money.
Get lower-cost rates by taking advantage of discounts
Car insurance can be pricey, but discounts can save money and there are some available that can dramatically reduce your bill. A few discounts will automatically apply when you get a quote, but some may not be applied and must be requested specifically prior to receiving the credit.
- Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts may qualify for discounts up to 30%.
- Seat Belts Save more than Lives – Forcing all vehicle occupants to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.
- Smart Student Discounts – Performing well in school can get you a discount of up to 25%. The good student discount can last up to age 25.
- No Charge for an Accident – Not necessarily a discount, but certain companies will turn a blind eye to one accident without getting socked with a rate hike as long as you don’t have any claims for a certain period of time.
- Early Renewal Discounts – A few car insurance companies give discounts for renewing your policy before your current Mariner insurance policy expires. Ten percent is about the average savings.
- E-sign – Some car insurance companies will give you a small discount simply for signing online.
Discounts lower rates, but many deductions do not apply to your bottom line cost. Some only apply to specific coverage prices like medical payments or collision. Despite the appearance that all those discounts means the company will pay you, car insurance companies aren’t that generous.
The illustration below shows the difference between Mercury Mariner insurance premiums with and without discounts applied to the premium. Data assumes a male driver, a clean driving record, no claims, Florida state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, safe-driver, claim-free, and multi-policy discounts applied.
A few popular companies and a partial list of their discounts can be found below.
- Progressive may offer discounts for multi-policy, multi-vehicle, homeowner, good student, continuous coverage, online signing, and online quote discount.
- AAA offers discounts including good student, education and occupation, multi-policy, AAA membership discount, pay-in-full, and multi-car.
- Farmers Insurance has savings for good student, teen driver, early shopping, homeowner, and business and professional.
- GEICO policyholders can earn discounts including anti-lock brakes, federal employee, driver training, emergency military deployment, anti-theft, and military active duty.
- Esurance may have discounts that include good driver, multi-policy, emergency road assistance, anti-lock brakes, DriveSense, defensive driver, and good student.
- SAFECO may include discounts for anti-lock brakes, teen safe driver, homeowner, multi-car, accident prevention training, and teen safety rewards.
- State Farm has discounts for multiple policy, driver’s education, multiple autos, good driver, Drive Safe & Save, Steer Clear safe driver discount, and anti-theft.
If you need inexpensive Jacksonville auto insurance quotes, ask all companies you are considering to give you their best rates. Savings might not be offered on policies in Jacksonville.
Independent and exclusive insurance agencies
Many drivers just prefer to talk to a local agent and that is a smart decision Most agents will help you protect your assets and help you file claims. The biggest benefit of price shopping on the web is that you can find cheap rate quotes and still buy from a local agent.
After completing this form (opens in new window), your insurance data is sent to local insurance agents in Jacksonville that provide free Jacksonville auto insurance quotes for your business. There is no reason to find an agent as quotes are delivered to the email address you provide. If you have a need to compare rates from a specific insurance company, you just need to jump over to their website and fill out their quote form.
Finding a good company is decision based upon more than just a cheap quote. Some important questions to ask are:
- Are they in the agency full-time?
- Do they receive special compensation for putting your coverage with one company over another?
- How often do they review coverages?
- Do you qualify for any additional discounts?
- Do they feel the quoted coverages are adequate?
- What are the financial ratings for the companies they represent?
Pick the best auto insurance agent in Jacksonville for you
When researching a local Jacksonville insurance agency, you must know there are a couple types of agencies from which to choose. Jacksonville agents can be classified as either independent agents or exclusive agents depending on their employer. Either type can sell affordable car insurance policies, but it is a good idea to know the differences since it can affect your selection of an agent.
Exclusive Agencies
These type of agents can only provide pricing for a single company like State Farm or Allstate. Exclusive agencies are unable to compare other company’s rates so always compare other rates. Exclusive agencies are well trained on sales techniques and that can be a competitive advantage. Many people use the same exclusive agent partially due to the brand legacy and the convenience of having all coverages with one company.
Below is a short list of exclusive insurance agents in Jacksonville that are able to give price quotes.
- David Beam – State Farm Insurance Agent
10400 San Jose Blvd Ste 2 – Jacksonville, FL 32257 – (904) 379-4156 – View Map - Chris Frank – State Farm Insurance Agent
9475 Philips Hwy Ste 15 – Jacksonville, FL 32256 – (904) 900-1727 – View Map - Debra Braddock – State Farm Insurance Agent
9310 Old Kings Rd S #1901 – Jacksonville, FL 32257 – (904) 737-0829 – View Map
Independent Car Insurance Agencies
These agents are not locked into one company and that enables them to quote your coverage through many companies depending on which coverage is best. To transfer your coverage to a different company, they can switch companies in-house which requires no work on your part.
If you are trying to find cheaper rates, you will definitely want to get rate quotes from at least one independent agent so that you can do a thorough price comparison. Most have the option of insuring with lesser-known insurance companies that many times have cheaper rates.
Below are independent insurance agencies in Jacksonville who can help you get rate quotes.
- The Maverick Insurance Agency
9119 Merrill Rd #8 – Jacksonville, FL 32225 – (904) 743-6661 – View Map - Zellner Insurance Agency
4114 Sunbeam Rd #101 – Jacksonville, FL 32257 – (904) 356-1492 – View Map - Erwin Insurance, LLC
841 Prudential Drive, 12th Floor – Jacksonville, FL 32207 – (904) 764-7531 – View Map
More comparisons equals cheap rates
We covered some good ideas how to lower your Mercury Mariner insurance auto insurance rates in Jacksonville. The most important thing to understand is the more you quote Jacksonville auto insurance, the higher the chance of saving money. You may even find the lowest auto insurance rates are with a company that doesn’t do a lot of advertising.
People change insurance companies for any number of reasons including poor customer service, delays in paying claims, denial of a claim and high rates after DUI convictions. Regardless of your reason, switching companies is not as hard as you think.
Low-cost Mercury Mariner insurance in Jacksonville can be bought online and from local insurance agents, so you need to quote Jacksonville auto insurance with both to have the best selection. Some car insurance companies may not provide the ability to get quotes online and usually these smaller companies provide coverage only through independent agents.
More resources
- Crash Avoidance Technologies FAQ (iihs.org)
- What is the Best Cheap Auto Insurance in Jacksonville, Florida? (FAQ)
- How Much is Jacksonville Car Insurance for Inexperienced Drivers? (FAQ)
- How Much are Car Insurance Quotes for Immigrants in Jacksonville? (FAQ)
- Who Has Affordable Car Insurance Quotes for Unemployed Drivers in Jacksonville? (FAQ)
- Who Has the Cheapest Jacksonville Car Insurance Quotes for a Honda Accord? (FAQ)
- What Car Insurance is Cheapest for Drivers Requiring a SR22 in Jacksonville? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)