Mercury Mariner Insurance in Nevada – 8 Ways to Cut Costs

Are you sick and tired of not being able to afford to buy car insurance? You’re in the same situation as millions of other consumers. Drivers have multiple insurance companies to pick from, and although it’s nice to be able to choose, it can be more challenging to compare rates and cut insurance costs.

You should make it a habit to get comparison quotes quite often due to the fact that insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best price for Mariner insurance a year ago other companies may now be cheaper. So forget all the misinformation about auto insurance because I’m going to teach you the quickest way to find lower rates on auto insurance.

Discounts are basically free money

Companies do not list every available discount very clearly, so the following is a list of some of the best known and the more hidden auto insurance savings. If you’re not getting every credit available, you’re paying more than you need to.

Theft Prevention System – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
Organization Discounts – Affiliation with a qualifying organization could qualify you for a break on your policy for Mariner insurance.
Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It’s a savings of about 10%.
Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can qualify for discounts of more than 20%.
Drive Less and Save – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
One Accident Forgiven – Certain companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
Auto/Life Discount – Select insurance companies reward you with a discount if you purchase life insurance.
Multiple Vehicles – Buying coverage for multiple vehicles with the same company qualifies for this discount.

It’s important to understand that most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.

For a list of insurance companies with the best auto insurance discounts in Nevada, click here.

How to Compare Auto Insurance Costs in Nevada

Most major insurance companies like GEICO, State Farm and Progressive allow you to get insurance quotes online. Getting online quotes is pretty easy as you simply enter your personal and coverage information as requested by the quote form. When complete, the company’s rating system requests your credit score and driving record and generates pricing information. Online quotes simplifies rate comparisons, but the time it takes to visit multiple sites and fill out multiple forms is not the best way to spend an afternoon. But it’s absolutely necessary to have as many quotes as possible in order to get the lowest possible prices on auto insurance.

The smarter way to compare rates requires only one form to obtain quotes from multiple companies. The form is fast, requires much less work on your part, and makes rate comparisons much easier to do. After sending the form, it is rated and you can select any or none of the quote results. If the quotes result in lower rates, you simply finish the application and buy the new coverage. It takes just a few minutes to complete and can result in significant savings.

To use this form to compare rates, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you replicate the insurance coverages as close as possible to your current policy. This helps ensure you will be getting an apples-to-apples comparison for similar coverage.

Can you really save that much by switching?

Nevada consumers can’t get away from ads for car insurance savings from the likes of GEICO, State Farm and Progressive. They all seem to make the same claim that you’ll save big if you change your coverage to them.

How does each company make almost identical claims? This is how they do it.

Different companies can use profiling for the type of driver that earns them a profit. A good example of a desirable insured might be profiled as over the age of 50, has no tickets, and drives less than 10,000 miles a year. A propective insured who matches those parameters will get very good rates and most likely will pay quite a bit less when switching companies. free Nevada insurance quote

Potential insureds who don’t meet this ideal profile will have to pay a higher premium which usually ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. That’s why insurance companies can claim big savings. Because of the profiling, it is so important to quote coverage with many companies. It’s impossible to know which insurance companies will provide you with the cheapest rates.

Auto insurance coverages 101

Knowing the specifics of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages offered by auto insurance companies.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as prosthetic devices, hospital visits, pain medications and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverage

Collision insurance covers damage to your Mariner from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hail damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability

Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things such as pain and suffering, funeral expenses, medical services and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford. Nevada state law requires minimum liability limits of 15,000/30,000/10,000 but it’s recommended drivers buy higher limits.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mercury Mariner.

Since many Nevada drivers only carry the minimum required liability limits (15/30/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

The best insurance company isn’t always the cheapest

The cheapest Mercury Mariner insurance can be sourced both online in addition to many Nevada insurance agents, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.

While you’re price shopping online, never reduce needed coverages to save money. There are many occasions where an insured dropped collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

More tips and info about auto insurance can be read at the Nevada Division of Insurance website. Nevada drivers can read consumer alerts, find out which companies have the most complaints, and find a variety of consumer forms.