How many years has it been since you compared low-cost Mercury Mariner insurance in Tampa? Did you come to the realization that you have high-priced Mercury Mariner insurance in Tampa? Don’t feel bad because there are many Tampa consumers feeling the pinch from expensive car insurance.
It’s well known that insurance companies don’t want their customers to go rate shopping. Insureds who shop around for better prices will, in all likelihood, switch companies because there are good odds of finding lower prices. Surprisingly, a recent survey revealed that drivers who shopped around every year saved approximately $850 each year as compared to drivers who never shopped around for cheaper prices.
If finding the cheapest price on Mercury Mariner insurance is your ultimate objective, learning the best way to compare car insurance can help make the process easier and more efficient.
Steps to finding cheaper quotes for Mercury Mariner insurance in Tampa
The most effective way to find affordable quotes for Mercury Mariner insurance is to compare prices at least once a year from different companies who can sell car insurance in Tampa. You can compare rates by completing these steps.
Step 1: Take a few minutes and learn about the different coverages in a policy and the measures you can take to prevent high rates. Many risk factors that result in higher prices like traffic tickets, fender benders, and a not-so-good credit history can be remedied by making minor changes in your lifestyle. Continue reading for instructions to help prevent expensive coverage and get bigger discounts.
Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like Progressive and State Farm, while agents who are independent can provide prices from multiple insurance companies.
Step 3: Compare the new rate quotes to the price on your current policy to see if a cheaper price is available. If you can save some money, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide adequate notice to your current company to cancel your current policy. Submit the signed application along with the required initial payment to the new company. Once coverage is bound, store the certificate verifying coverage in an easily accessible location.
The critical component of shopping around is that you’ll want to compare the same level of coverage on each price quote and and to look at as many auto insurance providers as possible. Doing this provides a fair price comparison and the best rate selection.
Numerous car insurance companies battle for your hard-earned dollar, so it can be very hard to choose a company to find the absolute lowest cost out there.
Discounts can help lower rates on Mercury Mariner insurance in Tampa
Car insurance is expensive, but there’s a good chance there are discounts to reduce the price significantly. Some of these discounts will be visible when you purchase, but a few must be asked for before being credited.
- Data Collection Discounts – People who choose to allow their insurance company to monitor driving manner by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as they are good drivers.
- Home Ownership Discount – Owning a home in Tampa can save a few bucks because maintaining a house requires personal responsibility.
- Accident-Free Discounts – Insureds with no claims or accidents pay less when compared to accident-prone drivers.
- Defensive Driving Course – Completing a course in safe driver could cut 5% off your bill depending on where you live.
- Resident Student – Older children who live away from home at college and do not have access to a covered vehicle may be insured at a cheaper rate.
- Payment Method – By paying your policy upfront instead of monthly or quarterly installments you can avoid the installment charge.
- Low Mileage Discounts – Keeping the miles down on your Mercury can earn cheaper prices.
Keep in mind that most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, nobody gets a free ride. Any amount of discount will reduce your premiums.
The diagram below shows the comparison of Mercury Mariner car insurance costs with and without some available policy discounts. The information is based on a female driver, no violations or claims, Florida state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, multi-policy, safe-driver, and claim-free discounts applied.
A few of the larger companies and some of their more popular discounts are shown below.
- GEICO has savings for membership and employees, seat belt use, driver training, emergency military deployment, five-year accident-free, and daytime running lights.
- MetLife may include discounts for defensive driver, good driver, claim-free, accident-free, good student, and multi-policy.
- Progressive has discounts for homeowner, good student, online signing, online quote discount, continuous coverage, and multi-policy.
- Travelers may offer discounts for multi-car, continuous insurance, student away at school, driver training, save driver, and multi-policy.
- SAFECO offers premium reductions for homeowner, anti-lock brakes, bundle discounts, safe driver, multi-car, teen safety rewards, and teen safe driver.
- AAA policyholders can earn discounts including multi-car, anti-theft, good driver, pay-in-full, education and occupation, AAA membership discount, and multi-policy.
It’s a good idea to ask each company which discounts you may be entitled to. Some credits might not apply in Tampa. To locate car insurance companies who offer discounts in Tampa, follow this link.
The providers in the list below can provide price comparisons in Florida. If you wish to find the best cheap car insurance in Florida, we recommend you get rates from several of them to get the most affordable price.
Rates and other information
The data table displayed next showcases a range of insurance rates for Mercury Mariner models. Being more informed about how insurance prices are calculated is important for drivers to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $368 | $446 | $464 | $28 | $140 | $1,446 | $121 |
| Mariner Premier 2WD | $368 | $544 | $464 | $28 | $140 | $1,544 | $129 |
| Mariner AWD | $368 | $544 | $464 | $28 | $140 | $1,544 | $129 |
| Mariner Hybrid 2WD | $368 | $640 | $546 | $32 | $164 | $1,750 | $146 |
| Mariner Premier AWD | $414 | $544 | $464 | $28 | $140 | $1,590 | $133 |
| Mariner Hybrid AWD | $414 | $640 | $546 | $32 | $164 | $1,796 | $150 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Information does not factor in specific location information which can lower or raise rates substantially.
Physical damage deductible comparison
When buying auto insurance, a common question is what deductibles to buy. The figures shown below approximate the rate difference between high and low policy deductibles. The first set of prices uses a $250 deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $322 | $446 | $354 | $20 | $106 | $1,273 | $106 |
| Mariner Premier 2WD | $322 | $544 | $354 | $20 | $106 | $1,371 | $114 |
| Mariner AWD | $322 | $544 | $354 | $20 | $106 | $1,371 | $114 |
| Mariner Hybrid 2WD | $322 | $640 | $418 | $24 | $124 | $1,553 | $129 |
| Mariner Premier AWD | $364 | $544 | $354 | $20 | $106 | $1,413 | $118 |
| Mariner Hybrid AWD | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $200 | $280 | $354 | $20 | $106 | $960 | $80 |
| Mariner Premier 2WD | $200 | $342 | $354 | $20 | $106 | $1,022 | $85 |
| Mariner AWD | $200 | $342 | $354 | $20 | $106 | $1,022 | $85 |
| Mariner Hybrid 2WD | $200 | $402 | $418 | $24 | $124 | $1,168 | $97 |
| Mariner Premier AWD | $224 | $342 | $354 | $20 | $106 | $1,046 | $87 |
| Mariner Hybrid AWD | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in garaging location in Tampa which can affect coverage rates greatly.
Based on the above data, using a $250 deductible costs about $30 more each month or $360 every year averaged for all Mariner models than selecting the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 25 months between claim filings, you would come out ahead if you choose a higher deductible. Below is the way you can come to your own conclusion.
| Average monthly premium for $250 deductibles: | $119 |
| Average monthly premium for $1,000 deductibles (subtract): | – $89 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
One big caveat is that increasing deductibles to lower your rates results in more money out-of-pocket when you do file a claim. That will necessitate enough extra money in the event you have to pay more to get your vehicle repaired.
The chart below demonstrates how deductible levels and can increase or decrease Mercury Mariner yearly insurance costs for different age categories. The prices are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
Age-based auto insurance rates by gender in Tampa
The information below illustrates the comparison of Mercury Mariner premium costs for male and female drivers. The data assumes no claims, a clean driving record, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are factored in.
Buying insurance from Tampa insurance agencies
Many people prefer to talk to an insurance agent and we recommend doing that Experienced insurance agents can help you build your policy and help file insurance claims. One of the benefits of comparing insurance prices online is the fact that you can find cheaper rates and still choose a local agent. Putting coverage with local agencies is important particularly in Tampa.
To help locate an agent, after submitting this form (opens in new window), the quote information is immediately sent to participating agents in Tampa that can provide free Tampa auto insurance quotes for your coverage. There is no need to find an agent on your own because prices are sent straight to your inbox. In the event you want to get a rate quote from one company in particular, don’t hesitate to jump over to their website and fill out their quote form.
The different types of car insurance agents
When narrowing the list to find a local insurance agency, you need to know there are two types of insurance agents to choose from. Insurance agencies in Tampa can be classified as either exclusive or independent agents depending on their company appointments. Either type can sell insurance policies, but it’s worth mentioning how they differ since it could factor into your selection of an agent.
Independent Insurance Agencies or Brokers
These agents do not sell for just one brand and that allows them to write policies through many different insurance companies and find the cheapest insurance rates. To transfer your coverage to a different company, an independent agent can move your coverage which is easy for the insured. When comparing rates, we recommend you get quotes from several independent insurance agents to ensure the widest selection of prices.
Shown below is a list of independent agents in Tampa that may be able to give free insurance quotes.
Mesa Insurance Agent
Tampa, FL 33603 – Tampa, FL 33603 – (813) 442-4179 – View Map
Florida Commercial Insurance
4915 W Cypress St – Tampa, FL 33607 – (813) 262-2303 – View Map
Central Florida Insurance Agency of Town ‘N’ Country
7753 W Waters Ave – Tampa, FL 33615 – (813) 885-2900 – View Map
Exclusive Insurance Agencies
These type of agents are contracted to one company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents are unable to shop your coverage around so they have no alternatives for high prices. Exclusive agents are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums.
Below is a list of exclusive agents in Tampa that can give you comparison quotes.
Patricia Potts – State Farm Insurance Agent
4644 W Gandy Blvd #5 – Tampa, FL 33611 – (813) 286-3077 – View Map
Joyce Coleman – State Farm Insurance Agent
8221 Parkedge Dr – Tampa, FL 33637 – (813) 975-1866 – View Map
Allstate Insurance: Bruce Kestenbaum
320 E Fletcher Ave – Tampa, FL 33612 – (813) 513-8800 – View Map
Choosing the best insurance agent should include more criteria than just a cheap price. Agents should be asked these questions:
- Will they make sure you get an adequate claim settlement?
- Do you qualify for any additional discounts?
- How much can you save by raising your physical damage deductibles?
- How long has the business existed?
- Is the agent and/or agency licensed to do business in Florida?
- Will they give you a referral list?
After you get reasonable responses to any questions you have as well as an affordable premium quote, most likely you have located a car insurance agent that is reputable and can service your policy.
How to find a good Florida auto insurance company
Insuring your vehicle with a good quality auto insurance provider can be a challenge considering how many different companies there are to choose from in Florida. The ranking information below may help you decide which car insurance companies you want to consider shopping your coverage with.
| 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 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Smart shoppers get results
When getting Tampa auto insurance quotes online, do not buy less coverage just to save a little money. In many instances, someone sacrificed liability limits or collision coverage only to regret at claim time that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage for the lowest cost and still be able to protect your assets.
A few companies may not provide price quotes online and usually these small insurance companies prefer to sell through independent agents. Cost effective Mercury Mariner insurance is possible online as well as from insurance agents, so you need to compare both so you have a total pricing picture.
How to find affordable quotes for Mercury Mariner insurance in Tampa
If your goal is the lowest price, then the best way to find better pricing on Mercury Mariner insurance in Tampa is to compare prices regularly from companies who can sell car insurance in Florida. Rate comparisons can be done by completing these steps.
- Try to learn about how your policy works and the factors you can control to drop your rates. Many things that result in higher prices like speeding tickets, careless driving and a not-so-good credit history can be eliminated by making small lifestyle or driving habit changes.
- Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agents can provide price quotes for a wide range of insurance providers. Click to view companies
- Compare the price quotes to your current policy to determine if you can save on Mariner insurance in Tampa. If you find a lower rate and decide to switch, ensure there is no coverage lapse between policies.
A valuable tip to remember is that you’ll want to make sure you compare the same level of coverage on each quote request and and to get price quotes from as many companies as possible. Doing this enables the most accurate price comparison and the best price selection.
Additional car insurance information can be read at these links:
- Auto Theft Statistics (Insurance Information Institute)
- Who Has Affordable Auto Insurance for a Chevrolet Equinox in Tampa? (FAQ)
- Who Has the Cheapest Tampa Car Insurance Rates for Lyft Drivers? (FAQ)
- Who Has the Cheapest Tampa Auto Insurance for a Toyota Camry? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Honda CR-V in Tampa? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Toyota Highlander in Tampa? (FAQ)
- Which Company has the Cheapest Car Insurance in Tampa, FL? (FAQ)
- What Auto Insurance is Cheapest for a Ford Fusion in Tampa? (FAQ)
- How Much is Auto Insurance for a Honda Civic in Tampa? (FAQ)
- What Car Insurance is Cheapest for Inexperienced Drivers in Tampa? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Distracted Driving (Insurance Information Institute)
- Teen Driver Licensing Information (iihs.org)