It takes a little time, but the best way to get discount Mercury Mariner insurance is to annually compare prices from different companies in Oklahoma City. Drivers can shop around by following these steps.
Step 1: Read and learn about how companies set rates and the things you can control to keep rates low. Many rating criteria that result in higher rates like careless driving and a less-than-favorable credit history can be remedied by making minor changes in your lifestyle.
Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can give quotes from a single company like GEICO or State Farm, while independent agents can give you price quotes for a wide range of companies. Get quotes now
Step 3: Compare the new rates to the price on your current policy and see if you can save money. If you find better rates and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide written notification to your current company to cancel your current auto insurance policy and submit any necessary down payment along with the completed application to your new company or agent. Be sure to store the certificate verifying coverage in a readily accessible location in your vehicle.
A good piece of advice is to use similar coverage information on every quote and and to get price quotes from as many car insurance companies as possible. Doing this guarantees the most accurate price comparison and plenty of rates choose from.
It’s safe to conclude that insurance companies want to keep you from comparing rates. Insureds who get comparison quotes at least once a year will probably switch companies because the odds are good of finding good coverage at a lower price. A recent car insurance study discovered that people who faithfully checked for cheaper rates saved $70 a month as compared to drivers who don’t regularly compare prices.
If finding the lowest price on Mercury Mariner insurance in Oklahoma City is the reason you’re reading this, knowing the best ways to shop for car insurance can save time and make the process easier.
Finding and comparing more affordable car insurance in Oklahoma City can be fairly easy. If you already have coverage or need new coverage, use these tips to buy cheaper car insurance without sacrificing coverage. Shoppers just have to know the fastest way to shop their coverage around from many different companies online.
Get lower-cost rates with discounts
Some companies don’t always advertise all possible discounts in a way that’s easy to find, so the list below contains a few of the more well known and the harder-to-find discounts that may be available. If you are not receiving all the discounts available, you are not getting the best rate possible.
- Low Miles Discount – Low mileage vehicles may enable drivers to earn better premium rates on cars that stay parked.
- Federal Employees – Federal government employees could provide a small rate reduction with select insurance companies.
- Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
- Homeowners Savings – Simply owning a home can get you a discount due to the fact that maintaining a home means you have a higher level of financial diligence.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school or through a local driver safety program.
- College Student – Any of your kids who live away from home to go to college and do not take a car to college may qualify for this discount.
- Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and that can save you a little bit as well.
- No Claims – Good drivers with no accidents can save substantially in comparison to policyholders that have many claims.
- Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
We need to note that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.
The illustration below shows the difference between Mercury Mariner premium costs with and without discounts. The premium estimates are based on a male driver, no claims or violations, Oklahoma state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, multi-policy, multi-car, and claim-free discounts applied.
Auto insurance companies that may include some of the discounts shown above are:
Before you buy a policy, ask every insurance company which discounts they offer. Discounts may not be offered in Oklahoma City.
Getting a low cost price on insurance is actually easier than you may think. Drivers just need to spend a little time comparing price quotes to discover which company has the cheapest Mercury Mariner rate quotes.
The companies shown below are our best choices to provide price quotes in Oklahoma. If the list has multiple companies, we suggest you visit as many as you can to get a more complete price comparison.
Mercury Mariner insurance coverage information
The coverage table shown next outlines a range of policy rates for Mercury Mariner models. Being more informed about how auto insurance policy rates are figured can benefit drivers when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $242 | $380 | $400 | $24 | $120 | $1,166 | $97 |
| Mariner Premier 2WD | $242 | $462 | $400 | $24 | $120 | $1,248 | $104 |
| Mariner AWD | $242 | $462 | $400 | $24 | $120 | $1,248 | $104 |
| Mariner Hybrid 2WD | $242 | $544 | $470 | $28 | $140 | $1,424 | $119 |
| Mariner Premier AWD | $274 | $462 | $400 | $24 | $120 | $1,280 | $107 |
| Mariner Hybrid AWD | $274 | $544 | $470 | $28 | $140 | $1,456 | $121 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Estimates do not factor in specific Oklahoma City garaging location which can modify prices considerably.
The diagram below illustrates how your choice of deductibles and can influence Mercury Mariner annual premium costs for different age groups. The data is based on a married male driver, comp and collision included, and no discounts are applied to the premium.
Cost of full coverage in Oklahoma City
The diagram below illustrates the difference between Mercury Mariner insurance costs with full physical damage coverage and with liability coverage only. The data assumes no claims, a clean driving record, $250 deductibles, drivers are not married, and no policy discounts are applied.
Guidelines for dropping full coverage
There isn’t a written rule of when to phase out comp and collision coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s pretend your Mercury Mariner replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after paying the physical damage deductible. If you are paying in excess of $400 annually for your policy with full coverage, then it could be time to drop full coverage.
There are some conditions where eliminating full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not buy liability only.
Get Lower-cost Insurance Premiums by Understanding These Factors
It’s important that you understand some of the factors that are used to determine the level of your policy premiums. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to lower premium levels.
Rates increase with policy add-ons – Insurance policies have a lot of optional add-on coverages that can waste your money on your auto insurance policy. Coverages like replacement cost coverage, towing, and Farm Bureau memberships may be costing you every month. They may seem good when you first buy your policy, but your needs may have changed so remove them and pocket the money.
Driving citations inflate costs – Drivers with clean records get better rates compared to bad drivers. Getting just one citation can boost insurance rates to the point where it’s not affordable. Drivers who have received multiple violations such as hit and run, DWI or reckless driving convictions are required to file a SR-22 with their state DMV in order to prevent a license revocation.
The information below illustrates how traffic citations and at-fault fender-benders can drive up Mercury Mariner auto insurance rates for different ages of insureds. The price estimates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
Vehicle features can affect premiums – Choosing to buy a car with a theft deterrent system can help lower your premiums. Systems that thwart thieves like OnStar, LoJack tracking, and tamper alarms all help stop car theft and help bring rates down.
What are good liability insurance limits? – Liability insurance will protect you if ever you are determined to be liable for physical damage or personal injury to other. This coverage provides legal defense coverage to attempt to prove you were not liable. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
Premiums can be impacted by your occupation – Jobs like real estate brokers, architects, and medical professionals generally pay higher average rates in part from stressful work requirements and extremely grueling work hours. Other careers like professors, engineers and retirees get better rates.
Compare rates but buy from a local Oklahoma City insurance agent
Some consumers would prefer to sit down and talk to an agent and that is a smart decision Professional insurance agents can help determine the best coverages and help file insurance claims. One of the benefits of getting free rate quotes online is the fact that you can find cheap rate quotes and still buy from a local agent. Buying from neighborhood agents is especially important in Oklahoma City.
For easy comparison, once you complete this form (opens in new window), your information is emailed to insurance agents in Oklahoma City that provide free Oklahoma City car insurance quotes for your insurance coverage. You won’t need to visit any agencies because prices are sent to you instantly. If you wish to quote rates from a particular provider, don’t hesitate to navigate to their website to submit a rate quote request.
Oklahoma City car insurance agents come in two flavors
If you would like to find a local insurance agency, it can be helpful to understand the different types of agents and how they work. Car insurance agents in Oklahoma City can be classified as either independent agents or exclusive agents depending on their employer. Both properly insure your vehicles, but it’s worth learning how they are different because it can influence which type of agent you select.
Independent Insurance Agents
Independent agents do not sell for just one brand so they can write business amongst many companies depending on which coverage is best. If you want to switch companies, they can switch companies in-house and you don’t have to do anything. When comparing rates, we recommend you include rate quotes from multiple independent agents for the best price selection. They often place coverage with smaller companies which may provide better rates.
Featured below is a short list of independent insurance agents in Oklahoma City that may be able to give you cheap rate quotes.
- Actionplus Insurance Agency
5831 NW 23rd St – Oklahoma City, OK 73127 – (405) 702-9009 – View Map - Shelton Agency
6401 NW Expressway # 100B – Oklahoma City, OK 73132 – (405) 384-1518 – View Map - Bigbie, Hensley and Janway Insurance Agency
5532 N Western Ave – Oklahoma City, OK 73118 – (405) 235-0036 – View Map
Exclusive Agents
Exclusive agencies work for only one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. They are unable to provide other company’s prices so you might not find the best rates. These agents are very knowledgeable on the products they sell which aids in selling service over price. Consumers sometimes use the same exclusive agent mainly due to the brand legacy and the convenience of having all coverages with one company.
Shown below is a short list of exclusive insurance agents in Oklahoma City that can give you price quotes.
- Marcia Corcoran – State Farm Insurance Agent
3135 NW 63rd St b – Oklahoma City, OK 73116 – (405) 848-8878 – View Map - GEICO Insurance Agent
6218 Northwest Expy – Oklahoma City, OK 73132 – (405) 384-1518 – View Map - Charles Reagan – State Farm Insurance Agent
5001 N Pennsylvania Ave #305 – Oklahoma City, OK 73112 – (405) 840-3731 – View Map
Selecting an insurance agency shouldn’t rely on just a cheap price quote. Any agent in Oklahoma City should be forthright in answering these questions:
- What insurance companies do they work with in Oklahoma City?
- Do they receive special compensation for putting your coverage with one company over another?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Will they give you a referral list?
- Do the companies they represent have a solid financial rating?
- Do they offer claims assistance after hours?
- Is insurance their full-time profession?
Car insurance does more than just protect your car
Despite the fact that car insurance is not cheap in Oklahoma City, insuring your vehicle is required by state law in Oklahoma and it also provides benefits you may not be aware of.
- Almost all states have mandatory liability insurance requirements which means the state requires specific minimum amounts of liability protection in order to drive the car. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your vehicle has a lienholder, more than likely the lender will force you to have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender may insure your Mercury at a more expensive rate and force you to reimburse them a much higher amount than you were paying before.
- Car insurance preserves your Mercury and your assets. Insurance will pay for most medical and hospital costs that are the result of an accident. One policy coverage, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If your Mercury gets damaged, your policy will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance are without a doubt worth the cost, specifically if you ever have a liability claim. But the average American driver is overpaying more than $830 a year so it’s important to compare rates every year to save money.
Persistence is the key to cheaper rates
Cost effective Mercury Mariner insurance is definitely available on the web as well as from independent agents in Oklahoma City, so get free Oklahoma City car insurance quotes from both of them in order to have the best price selection to choose from. Some companies may not offer online price quotes and these smaller providers only sell through independent agents.
Insureds change insurance companies for a variety of reasons including poor customer service, delays in paying claims, unfair underwriting practices and even high rates after DUI convictions. Regardless of your reason for switching companies, finding the right auto insurance provider can be easier than you think.
When getting Oklahoma City car insurance quotes online, don’t be tempted to buy poor coverage just to save money. Too many times, drivers have reduced liability limits or collision coverage and discovered at claim time that the savings was not a smart move. The goal is to get the best coverage possible at the best possible price while not skimping on critical coverages.
Much more information about auto insurance in Oklahoma is available at these links:
- Coverage Information (Progressive Insurance)
- Who Has Affordable Car Insurance Rates for a Honda Accord in Oklahoma City? (FAQ)
- What Insurance is Cheapest for Police Officers in Oklahoma City? (FAQ)
- What is the Best Car Insurance in Oklahoma? (FAQ)
- Choosing an Insurance Company (Insurance Information Institute)
- Vehicle Size and Weight FAQ (iihs.org)
- Neck Injury FAQ (iihs.org)