Compare Mercury Mariner Insurance Quotes in Lubbock

Unbelievable but true according to a study the vast majority of consumers have purchased from the same company for more than four years, and almost 40% of drivers have never even compared quotes to find affordable rates. Texas drivers could cut their rates by approximately $1,800 a year just by comparing rates, but most just don’t grasp how much savings they would realize if they just switched companies.

To save the most money, the best way to get affordable Mercury Mariner insurance in Lubbock is to annually compare prices from insurers in Texas.

• Step 1: Spend a few minutes and learn about how insurance works and the changes you can make to keep rates low. Many rating criteria that result in higher rates like traffic violations, accidents, and an unacceptable credit history can be amended by making lifestyle changes or driving safer.
• Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like GEICO or State Farm, while agents who are independent can quote rates for a wide range of companies. Find a Lubbock insurance agent
• Step 3: Compare the new rate quotes to your existing coverage and see if you can save money. If you find a lower rate and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Step 4: Provide notification to your current company of your decision to cancel the current policy and submit payment along with a signed and completed policy application to the new company. Be sure to place your new certificate verifying proof of insurance in an easily accessible location in your vehicle.

The most important part of shopping around is that you use the same amount of coverage on each quote request and and to get price quotes from as many different companies as possible. This helps ensure a fair price comparison and and a good selection of different prices.

Compare Lubbock Mercury Mariner insurance rate quotes

To get the cheapest Mercury Mariner rate quotes, there a variety of ways to obtain and compare prices from lots of Texas insurance companies. The easiest way to find cheaper Mercury Mariner rates is to get quotes online.

It’s so fast and easy to compare rate quotes online that it takes the place of having to spend time driving to each insurance agency near you. The ability to get quotes online reduces the need to sit down with an agent unless you prefer the professional abilities that only an agent can give. Although, it is possible obtain prices from the web and still use a local agent. Just keep in mind that comparing all the rates in your area gives you a better chance of getting more affordable insurance.

The following companies are our best choices to provide price comparisons in Texas. If you want to find cheap auto insurance in Lubbock, TX, we suggest you visit two to three different companies in order to get a fair rate comparison.

Car insurance does more than just protect your car

Even though it can be expensive, maintaining insurance serves several important purposes.

• Most states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability insurance in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a lien on your Mercury, more than likely the lender will make it a condition of the loan that you buy full coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank may buy a policy for your Mercury at a much higher premium rate and force you to pay much more than you were paying before.
• Car insurance preserves both your assets and your vehicle. It will also pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if anyone sues you for causing an accident. If your Mercury gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of having car insurance more than offset the price you pay, especially if you ever need it. But the average driver in Texas overpays more than $830 a year so smart consumers compare quotes every year to be sure current rates are still competitive.

Coverage information

The data table shown next highlights a range of insurance policy prices for Mercury Mariner models. Knowing how rates are figured can aid in making informed coverage decisions.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Prices do not factor in vehicle garaging location which can alter insurance rates significantly.

Should you raise deductibles?

One of the hardest decisions when shopping for car insurance is how high should the deductibles for physical damage be. The comparison tables below may aid in understanding the rate differences between high and low comp and collision deductibles. The first set of rates uses a $100 deductible and the second price chart uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can alter coverage rates greatly.

Based on this data, using a $100 deductible will cost you approximately $26 more each month or $312 a year than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 15 months between claims, you would probably come out ahead if you elect the higher deductible.

The diagram below illustrates how your choice of deductibles and can affect Mercury Mariner insurance costs for different age groups of insureds. The costs are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

Lower rates by qualifying for discounts

Some insurance providers don’t always publicize all available discounts very clearly, so the following list contains both the well known and the harder-to-find credits available to bring down your rates.

• Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up could cut 10% or more on the premium charged for medical payments and/or PIP.
• Claim-Free Discount – Insureds with no claims or accidents have much lower rates in comparison with drivers who are more careless.
• Pay Early and Save – By making one initial payment instead of monthly or quarterly installments you may have a lower total premium amount.
• Mature Driver Discount – Drivers that qualify as senior citizens can get a slight reduction on a Lubbock auto insurance quote.
• Theft Deterrent Discount – Vehicles that have factory anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
• Drivers Education – Require your teen driver to complete a driver education course as it can save substantially.
• Fewer Miles Equal More Savings – Low annual miles can qualify you for cheaper prices.
• Good Student – Getting good grades can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
• Paperless Signup – A few larger online companies provide a small discount for buying your policy digitally online.
• Discounts for New Vehicles – Adding a new car to your policy can be considerably cheaper due to better safety requirements for newer models.

Discounts lower rates, but most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as medical payments or collision. Even though it appears all those discounts means the company will pay you, insurance companies aren’t that generous. But any discount will help reduce your policy premium.

The chart below illustrates the comparison of Mercury Mariner premium costs with and without policy discounts. The premiums assume a male driver, no claims, a clean driving record, Texas state minimum liability limits, full physical damage coverage, and $500 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.

Companies and their offered discounts include:

• State Farm discounts include defensive driving training, multiple autos, driver’s education, good student, good driver, safe vehicle, and student away at school.
• GEICO has discounts for seat belt use, air bags, multi-policy, membership and employees, and emergency military deployment.
• SAFECO may offer discounts for anti-theft, bundle discounts, homeowner, accident prevention training, safe driver, teen safe driver, and multi-car.
• Farmers Insurance may have discounts that include switch companies, alternative fuel, good student, business and professional, early shopping, and electronic funds transfer.
• AAA offers premium reductions for pay-in-full, AAA membership discount, multi-car, education and occupation, multi-policy, anti-theft, and good student.
• USAA policyholders can earn discounts including good student, multi-policy, vehicle storage, defensive driver, driver training, and military installation.

It’s a good idea to ask each insurance company how you can save money. A few discounts may not be offered in Lubbock. To see a list of companies that offer discounts in Texas, click here to view.

Buying from insurance agents

Certain consumers just prefer to visit with an insurance agent and that is OK! One of the great benefits of getting online price quotes is that you can obtain cheap auto insurance rates but still work with a licensed agent. Supporting local insurance agents is still important in Lubbock.

Upon completion of this form (opens in new window), your information is emailed to local insurance agents who want to provide quotes to get your business. You never need to search for any insurance agencies as quotes are delivered to you. You can find lower rates without the usual hassles of price shopping. If you need to quote rates for a specific company, you would need to navigate to their website and complete a quote there.

If you are wanting to purchase auto insurance from a reputable agency, there are two different types of agencies that you can select. Agencies in Lubbock are classified as either independent or exclusive depending on the company they work for.

Independent Auto Insurance Agencies

Agents in the independent channel often have many company appointments so they can quote policies through many companies and get you the best rates possible. If your premiums go up, the agent simply finds a different carrier without you having to go to a different agency.

When shopping rates, you should always get some free quotes from several independent agencies to have the most options to choose from.

Below are independent insurance agents in Lubbock that may be able to give price quote information.

More Lubbock agents

Exclusive Agencies

Agents that elect to be exclusive work for only one company and some examples include Farmers Insurance and State Farm. Exclusive agencies are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive agents receive extensive training on their company’s products which aids in selling service over price.

Listed below is a list of exclusive insurance agents in Lubbock that are able to give rate quotes.

More Lubbock agents

Finding a good insurance agent requires you to look at more than just a cheap quote. Get answers to these questions too.

• Does the agent have professional designations like CIC, CPCU or AIC?
• What are their preferred companies if they are an independent agency?
• Do you need full coverage on every vehicle?
• Are they able to influence company decisions when a claim is filed?
• Are there any discounts for paying up front?
• Which insurance companies are they affiliated with?
• Can you choose the body shop in case repairs are needed?
• How would your car be valued if totaled?

If you receive answers to your satisfaction to any questions you have in addition to an acceptable price estimate, you may have just found an insurance agent that meets the criteria to provide auto insurance coverage.

Don’t give up on affordable premiums

When you buy Lubbock auto insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, an insured cut full coverage and found out when filing a claim they didn’t purchase enough coverage. The aim is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

We just showed you a lot of information how to find cheap Mercury Mariner insurance in Lubbock. The key concept to understand is the more rate comparisons you have, the better likelihood of getting affordable Lubbock auto insurance quotes. Drivers may even discover the lowest rates are with a company that doesn’t do a lot of advertising. Some small companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as Allstate, GEICO and Progressive.

To read more, feel free to visit the following helpful articles:

• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Who Has the Cheapest Car Insurance Rates for Drivers Over Age 50 in Lubbock? (FAQ)
• How Much is Car Insurance for Low Income Drivers in Lubbock? (FAQ)
• Who Has Cheap Lubbock Auto Insurance Quotes for Handicapped Drivers? (FAQ)
• Vehicle Insurance in the U.S. (Wikipedia)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Avoiding Deer Collisions (Insurance Information Institute)