Are you tired of scraping the payment together to make your auto insurance payment? You have the same problem as most other vehicle owners in Illinois.
It’s shocking but almost 70% of drivers in Illinois kept their coverage with the same auto insurance company for at least the last four years, and virtually 40% of consumers have never shopped around. Most drivers in America can cut their rates by up to 46.5% a year just by comparing rates, but they assume it’s a waste of time to find cheap rates by getting comparison quotes.
Companies like State Farm, Farmers Insurance, GEICO and Allstate all claim big savings with ads and it is difficult to sift through the bull and find the best price available.
You should take the time to compare rates every six months because auto insurance prices are rarely the same from one policy term to another. Just because you had the lowest rate on Mercury Mariner insurance in Chicago a few years ago you may be paying too much now. You’ll find a ton of advice on Mariner insurance on the internet, but you can learn a bunch of ideas how to buy auto insurance cheaper in Chicago.
If you are already insured, you should be able to lower your rates using this information. Locating the best rates in Chicago is quite easy if you know the best way to do it. But Illinois consumers benefit from understanding how big insurance companies determine prices and use this information to your advantage.
Cheap Chicago Mercury Mariner insurance quotes online
When comparing auto insurance rates, know that comparing a large number of companies helps you find the best offered rates. Not every company provides price estimates online, so you also need to get quotes from them, too.
The providers in the list below are ready to provide free quotes in Chicago, IL. If multiple companies are listed, we suggest you visit several of them in order to find the cheapest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Mariner Premier 2WD||$186||$274||$290||$18||$88||$856||$71|
|Mariner Hybrid 2WD||$142||$316||$274||$16||$82||$830||$69|
|Mariner Premier AWD||$138||$246||$268||$16||$80||$748||$62|
|Mariner Hybrid AWD||$110||$214||$250||$14||$76||$664||$55|
|Get Your Own Custom Quote Go|
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in zip code location which can lower or raise coverage rates considerably.
Reckless driving habits raise auto insurance rates
The chart below demonstrates how speeding tickets and at-fault claims can raise Mercury Mariner insurance rates for different age categories. The premiums assume a single male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.
Physical damage deductibles
The illustration below shows how choosing a deductible and can change Mercury Mariner annual premium costs for different age categories. The data assumes a married male driver, comp and collision included, and no additional discounts are factored in.
Protect your Mariner and other assets
Despite the high insurance cost for a Mercury Mariner in Chicago, insuring your vehicle serves an important purpose.
- The majority of states have compulsory liability insurance requirements which means you are required to carry specific minimum amounts of liability insurance coverage in order to get the vehicle licensed. In Illinois these limits are 20/40/15 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If your vehicle has a lien holder, almost every bank will make it mandatory that you buy full coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank may insure your Mercury for a much higher rate and require you to pay for the expensive policy.
- Insurance protects not only your Mercury Mariner but also your financial assets. It also can pay for medical transport and hospital expenses that are the result of an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit in the event you are sued. If your vehicle suffers damage from an accident or hail, your policy will pay all costs to repair after the deductible has been paid.
The benefits of insuring your Mariner are without a doubt worth the cost, particularly if you ever have a claim. An average driver in America is wasting up to $810 a year so compare rate quotes every year to ensure rates are inline.
These five discounts can slash Mercury Mariner insurance rates
Some insurers don’t always advertise all available discounts very clearly, so we researched some of the best known and also the lesser-known credits available to you.
- Multi-line Discount – If the company offers life insurance, you could get a discount if you purchase a life policy as well.
- Discounts for Government Workers – Active or retired federal employment can earn a discount up to 10% with certain companies.
- Payment Method – By paying your entire bill at once rather than paying monthly you may have a lower total premium amount.
- Distant Student Discount – Kids who are enrolled in a college that is more than 100 miles from Chicago and don’t have a car may be able to be covered for less.
- Telematics Data Discounts – Insureds that choose to allow their auto insurance company to spy on driving habits through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they are good drivers.
A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only reduce specific coverage prices like medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
To choose providers with the best Mercury Mariner insurance discounts in Chicago in Illinois, follow this link.
Compare prices but buy from a local Chicago insurance agency
Many drivers prefer to sit down and talk to an agent and that is recommended in a lot of cases A nice benefit of getting online price quotes is that you can obtain better rates and still buy from a local agent. And supporting local agents is important especially in Chicago.
To help locate an agent, after submitting this simple form, the quote information gets sent to participating agents in Chicago that provide free Chicago car insurance quotes and help you find cheaper coverage. There is no need to find an agent on your own since rate quotes are delivered to you instantly. You can find the lowest rates and a licensed agent to work with. If for some reason you want to quote rates from a specific auto insurance provider, feel free to search and find their rate quote page and fill out their quote form.
The following are agents in Chicago that can give you comparison quotes for Mercury Mariner insurance in Chicago.
W.A. George Insurance Agency
155 N Michigan Ave #300 – Chicago, IL 60601 – (312) 729-5265 – View Map
Finding the right insurer shouldn’t rely on just the price. You should also get answers to these questions.
- What are their preferred companies if they are an independent agency?
- Does the agent have professional designations like CIC, CPCU or AIC?
- What company holds the largest book of business for them?
- Has the agent ever had any license suspensions?
- If your car is in the repair shop, do you have coverage for a rental car?
- What insurance companies do they work with in Chicago?
- Can they give you a list of client referrals?
- Will high miles depreciate repair valuations?
Tailor your auto insurance coverage to you
When buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. You are unique.
For example, these questions might help in determining whether your personal situation may require specific advice.
- How does medical payments coverage work?
- What is an SR-22 filing?
- Should I sign the liability waiver when renting a car?
- Is my business laptop covered if it gets stolen from my vehicle?
- Is pleasure use cheaper than using my Mercury Mariner to commute?
- Is a fancy paint job covered?
- Do I pay less for low miles?
- What is no-fault insurance?
- What if I don’t agree with a claim settlement offer?
- Is my dog or cat covered if injured in an accident?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.
The coverage is in the details
Understanding the coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
This will cover injuries or damage you cause to a person or their property. This insurance protects YOU from claims by 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 policy limits of 20/40/15 that means you have $20,000 bodily injury coverage, a per accident bodily injury limit of $40,000, and $15,000 of coverage for damaged property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage protects against things like medical services, court costs, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford. Illinois state law requires minimum liability limits of 20/40/15 but you should think about purchasing higher limits.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Mercury Mariner.
Since many Illinois drivers carry very low liability coverage limits (which is 20/40/15), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things like hitting a bird, vandalism, a tree branch falling on your vehicle and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like ambulance fees, pain medications and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
This pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like driving through your garage door, crashing into a ditch, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible on your Mariner in order to get cheaper collision rates.
One last note
You just read a lot of tips how to get a better price on Mercury Mariner insurance in Chicago. The most important thing to understand is the more providers you compare, the better your chances of lowering your car insurance rates. You may even find the lowest rates come from an unexpected company.
Lower-priced auto insurance in Chicago can be bought on the web in addition to local insurance agencies, so you should compare both to get a complete price analysis. Some insurance providers do not provide rate quotes online and many times these small insurance companies work with independent agencies.
Consumers leave their current company for a variety of reasons including high prices, high rates after DUI convictions, delays in paying claims or even being labeled a high risk driver. It doesn’t matter what your reason, finding a new auto insurance company can be easier than you think.
Additional detailed information is located by following these links:
- State Laws for Cellphones and Texting (iihs.org)
- What Car Insurance is Cheapest for Hybrid Vehicles in Chicago? (FAQ)
- What Car Insurance is Cheapest for Immigrants in Chicago? (FAQ)
- Who Has Affordable Chicago Car Insurance Quotes for Drivers Over Age 60? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Ford Fusion in Chicago? (FAQ)
- Who Has Affordable Auto Insurance for Drivers Under 25 in Chicago? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Low Credit Scores in Chicago? (FAQ)
- How Much are Auto Insurance Quotes for Seniors in Chicago? (FAQ)
- What Does No-Fault Insurance Cover? (Allstate)
- Safe Vehicles for Teens (iihs.org)