Cheapest Quotes for Mercury Mariner Insurance in Virginia Beach

Insurance for Mercury MarinerThe easiest way to find cheaper quotes for auto insurance rates in Virginia Beach is to start doing a yearly price comparison from different companies who sell insurance in Virginia.

  1. It will benefit you to learn about what coverages are included in your policy and the changes you can make to keep rates down. Many factors that cause high rates such as traffic citations, accidents, and a low credit score can be rectified by improving your driving habits or financial responsibility.
  2. Compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agents can give you price quotes from multiple companies.
  3. Compare the new rates to the price on your current policy and determine if cheaper Mariner coverage is available. If you find a lower rate quote and switch companies, make sure there is no coverage gap between policies.
  4. Provide proper notification to your current company of your intent to cancel your existing policy. Submit the required down payment along with the signed application to your new carrier. Immediately upon receiving it, store the certificate verifying proof of insurance in your vehicle’s glove compartment or console.

An important part of this process is that you use similar deductibles and liability limits on each quote request and and to get quotes from as many different companies as possible. Doing this helps ensure a fair rate comparison and a complete price analysis.

It’s an obvious statement that insurance companies don’t want you to look at other companies. Consumers who shop around for the cheapest price are very likely to buy a different policy because the odds are good of finding a policy with better rates. A survey found that people who regularly compared price quotes saved $3,450 over four years compared to people who never compared prices.

If finding the cheapest price on car insurance in Virginia Beach is your objective, learning the best way to shop and compare coverages can save time and money.

Get cheaper Mercury Mariner insurance rates in Virginia Beach

Auto insurance is not inexpensive, but you may qualify for discounts that can drop the cost substantially. Some discounts will apply when you quote, but some discounts are required to be asked for prior to receiving the credit.Auto insurance discounts

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as comp or med pay. So when it seems like it’s possible to get free car insurance, you’re out of luck.

The example below shows the difference between Mercury Mariner premium costs with and without discounts applied to the premium. The prices are based on a male driver, no claims or violations, Virginia state minimum liability limits, full physical damage 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, multi-car, claim-free, and homeowner discounts applied.

If you would like to see a list of providers that offer multiple discounts in Virginia Beach, click here to view.

Most of the larger companies allow consumers to get price estimates on the web. Getting Mercury Mariner insurance prices online is pretty painless because you just enter your personal and coverage information into the form. After you submit the form their quoting system will obtain credit information and your driving record and returns a price determined by many factors. Using the web to get quotes for Mercury Mariner insurance in Virginia Beach makes it easy to compare insurance prices and it’s necessary to do this if you are searching for the best rate.

To find out what other companies charge, compare rates from the companies below. To compare your current rates, we recommend you copy the coverage information identical to your current policy. This way, you will have a price comparison based on identical coverages.

The auto insurance companies shown below have been selected to offer price comparisons in Virginia. If your goal is to find the best cheap car insurance in VA, we suggest you click on several of them to get the most affordable price.

Insurance analysis for a Mercury Mariner

The table displayed next covers a range of insurance costs for Mercury Mariner models. Knowing how rates are formulated can help drivers make smart choices when selecting a policy.

Mercury Mariner Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $156 $250 $284 $16 $86 $792 $66
Mariner Premier 2WD $156 $306 $284 $16 $86 $848 $71
Mariner AWD $156 $306 $284 $16 $86 $848 $71
Mariner Hybrid 2WD $156 $360 $334 $20 $100 $970 $81
Mariner Premier AWD $176 $306 $284 $16 $86 $868 $72
Mariner Hybrid AWD $176 $360 $334 $20 $100 $990 $83
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Prices do not factor in vehicle garaging location which can revise prices significantly.

Should you raise deductibles?

One common question asked by Virginia Beach drivers is where should you set your physical damage deductibles. The comparisons below show the costs and benefits when you choose different deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Mercury Mariner insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $198 $276 $218 $12 $66 $795 $66
Mariner Premier 2WD $198 $336 $218 $12 $66 $855 $71
Mariner AWD $198 $336 $218 $12 $66 $855 $71
Mariner Hybrid 2WD $198 $394 $258 $16 $78 $969 $81
Mariner Premier AWD $224 $336 $218 $12 $66 $881 $73
Mariner Hybrid AWD $224 $394 $258 $16 $78 $995 $83
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Mercury Mariner insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $162 $222 $218 $12 $66 $680 $57
Mariner Premier 2WD $162 $270 $218 $12 $66 $728 $61
Mariner AWD $162 $270 $218 $12 $66 $728 $61
Mariner Hybrid 2WD $162 $318 $258 $16 $78 $832 $69
Mariner Premier AWD $182 $270 $218 $12 $66 $748 $62
Mariner Hybrid AWD $182 $318 $258 $16 $78 $852 $71
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Prices do not factor in specific location information which can raise or lower premiums greatly.

We can derive from the above data that using a $250 deductible could cost the average driver approximately $10 more each month or $120 a year than choosing the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 25 months between claim filings, you would probably be better off if you choose a higher deductible.

The information below shows how different deductible levels and can increase or decrease Mercury Mariner insurance costs for different insured age categories. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Full coverage versus liability-only in Virginia Beach

The illustration below visualizes the comparison of Mercury Mariner premium costs with and without physical damage coverage. Data assumes no claims or driving violations, $1,000 deductibles, single status, and no discounts are taken into consideration.

Are you wasting money on full coverage?

There isn’t a steadfast formula for dropping comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your Mercury Mariner replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after you pay the deductible. If you are paying more than $200 a year to have full coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where only buying liability is not a good plan. If you still have a lienholder on your title, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should maintain full coverage.

Shop online but buy locally

A small number of people would rather buy from a local agent and that is a smart decision One of the great benefits of comparing insurance prices online is that you can obtain the best rates and still have an agent to talk to. And supporting neighborhood insurance agencies is important especially in Virginia Beach.

After completing this simple form, your coverage information is transmitted to local insurance agents that can give you free Virginia Beach auto insurance quotes and help you find cheaper coverage. There is no reason to even leave your home because prices are sent directly to you. You can find lower rates without a big time investment. In the event you want to get a comparison quote from a specific company, don’t hesitate to navigate to their website to submit a rate quote request.

Two different types of auto insurance agents

If you are wanting to purchase car insurance from a reliable agent, it’s helpful to know the types of agencies and how they are slightly different. Agents in Virginia Beach are classified as either exclusive or independent agents depending on their company appointments.

Independent Insurance Agents

Independent agencies do not have single company limitations so they can quote policies with a variety of different insurance companies and find you the best rates. If you are not satisfied with one company, your agent can just switch to a different company which makes it simple for you. If you need lower rates, you absolutely need to contact a couple of independent agencies to have the most options to choose from.

Featured below is a short list of independent agencies in Virginia Beach that may be able to provide pricing information.

301 Bendix Rd #300Virginia Beach, VA 23452(757) 468-6100View Map

4176 S Plaza Trail Ste 101Virginia Beach, VA 23452(757) 340-1200View Map

1501 Cornwell LnVirginia Beach, VA 23454(757) 340-0028View Map

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Exclusive Agents

Exclusive agents are contracted to one company and some examples include Allstate, State Farm and Farm Bureau. They usually cannot compare other company’s rates so you might not find the best rates. They are well trained on sales techniques which helps them sell insurance even at higher premiums.

The following are exclusive agencies in Virginia Beach willing to provide price quotes.

4388 Holland Road Ste. 110Virginia Beach, VA 23452(757) 499-6813View Map

4382 Holland Plaza Shopping Ctr, # CeVirginia Beach, VA 23452(757) 431-0217View Map

2492 N Landing Rd #101Virginia Beach, VA 23456(757) 467-2800View Map

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Deciding on an insurance agency requires you to look at more than just a low price. Below are some questions you should ask.

Virginia Beach car insurance companies ranked

Insuring your vehicle with the top auto insurance company is difficult considering how many choices drivers have in Virginia Beach. The ranking data in the next section may help you analyze which car insurance companies you want to consider purchasing from.

Best Car Insurance Companies in Virginia Beach
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Erie Insurance 87 84 85 85% A+ 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Shop smart and save

When shopping online for auto insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at an affordable rate, but do not skimp to save money.

In this article, we presented some good ideas how you can compare Mercury Mariner insurance premium rates in Virginia Beach. The key thing to remember is the more companies you get prices for, the better your comparison will be. Consumers may even find the best premium rates are with a lesser-known regional company. Smaller companies often have lower prices on specific markets compared to the large companies like GEICO and State Farm.

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