Affordable Mercury Mariner Insurance in Tulsa

A recent insurance study discovered that a large majority of insurance policyholders have bought insurance from the same company for over three years, and approximately 38% of consumers have never compared rates to find cheap insurance. Most drivers in Oklahoma could save themselves $600 a year just by getting comparison quotes, but most tend to underestimate how much money they would save if they switch to a new company.

The best way to get more affordable Mercury Mariner insurance is to compare quotes annually from insurance carriers who provide car insurance in Tulsa.

• First, it will benefit you to learn about how insurance works and the measures you can take to keep rates down. Many risk factors that result in higher rates like traffic tickets, fender benders, and a less-than-favorable credit rating can be amended by making minor changes in your lifestyle.
• Second, compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like GEICO or Allstate, while agents who are independent can provide rate quotes from many different companies.
• Third, compare the quotes to your current policy premium to determine if switching companies saves money. If you can save money, verify that coverage does not lapse between policies.
• Fourth, give notification to your agent or company of your intent to cancel your current coverage and submit payment along with a signed and completed policy application to the new company. Make sure you safely store the certificate verifying coverage with the vehicle registration.

An important bit of advice to remember is to use the same coverage limits and deductibles on every quote request and to quote with every company you can. This guarantees an accurate price comparison and maximum price selection.

Mercury Mariner detailed coverage information

The coverage table shown below showcases a range of rate quotes for Mercury Mariner models. Learning more about how car insurance prices are calculated can help guide drivers when making informed decisions when shopping around for a new policy.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rates do not factor in vehicle location which can affect insurance rates substantially.

Where to set your deductibles

One of the most common insurance questions is how high should your deductibles be. The figures shown below may help to illustrate the price difference between low and high comp and collision deductibles. The first pricing table uses a $250 deductible and the second pricing table uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Prices do not factor in your specific Tulsa location which can change prices noticeably.

Based on the figures above, using a $250 deductible could cost the average driver approximately $17 more each month or $204 for a full year than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at least 15 months between claims, you would probably come out ahead if you choose the higher deductible.

The example below shows how choosing a deductible and can increase or decrease Mercury Mariner yearly insurance costs for each age group. The rates are based on a married male driver, full coverage, and no discounts are applied.

Careless Tulsa drivers pay higher rates

The example below demonstrates how traffic citations and at-fault collisions drive up Mercury Mariner auto insurance rates for different age groups of insureds. The data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

Four Things That Affect Your Insurance Prices

Lots of factors are used in the calculation when pricing auto insurance. Some of the criteria are obvious like an MVR report, although some other factors are more transparent like your vehicle usage or how financially stable you are. When buying car insurance it’s important to understand some of the factors that help determine the price you pay for car insurance. If you understand what determines base rates, this enables informed choices that could help you find lower premium levels.

The factors shown below are a few of the things used by your company to calculate your rates.

Combine and save – Many car insurance companies allow lower prices to insureds who consolidate policies with them such as combining an auto and homeowners policy. The discount can add up to ten percent or more. If you currently are using one company, it’s still a good idea to check prices from other companies to help ensure you have the lowest rates.

Your liability protection limits – Liability coverage is the coverage that protects you if ever you are found liable for causing damage or personal injury in an accident. Liability provides legal defense to defend your case. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.

Costs are impacted by vehicle performance – The performance level of the vehicle you need to insure makes a huge difference in your auto insurance rates. Economy passenger vehicles usually have the lowest rates, but the cost you end up paying is determined by many additional factors.

The chart below is based on a married female driver age 40, full coverage with $100 deductibles, and no discounts or violations. It compares Mercury Mariner car insurance rates compared to other models of vehicles that have a range of performances.

Extra coverages that may not be needed – There are a ton of extra coverages that you can buy if you aren’t careful. Add-on coverages like coverage for rental cars, better glass coverage, and additional equipment coverage may not be needed and are just wasting money. They may sound like good ideas when talking to your agent, but if they’re wasting money remove them from your policy.

Final considerations

Throughout this article, we presented a lot of information how to find lower-cost Mercury Mariner insurance in Tulsa. The most important thing to understand is the more price quotes you have, the better your comparison will be. Drivers may even discover the biggest savings come from the smaller companies. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.

Cheap Mercury Mariner insurance in Tulsa can be bought on the web as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not offer the ability to get a quote online and these smaller companies only sell through local independent agencies.

To read more, feel free to browse the articles below:

• Winter Driving (Insurance Information Institute)
• What Auto Insurance is Cheapest for Drivers Over Age 50 in Tulsa? (FAQ)
• How Much are Car Insurance Rates for Police Officers in Tulsa? (FAQ)
• Who Has the Cheapest Tulsa Auto Insurance for Drivers with Good Credit? (FAQ)
• How Much are Tulsa Car Insurance Quotes for a Chevrolet Silverado? (FAQ)
• Teen Driver Statistics (Insurance Information Institute)
• How Can I Save Money on Auto Insurance? (Insurance Information Institute)
• Shopping for a Safe Car (Insurance Information Institute)