Mercury Mariner Insurance Quotes in Chicago

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.

Insurance quote for Mercury Mariner in ChicagoIt’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.

Mercury Mariner Insurance Cost Estimates in Chicago, IL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $108 $172 $250 $14 $76 $620 $52
Mariner Premier 2WD $186 $274 $290 $18 $88 $856 $71
Mariner AWD $218 $398 $226 $14 $68 $924 $77
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 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.Save money with discounts

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.

Insurance agents in ChicagoTo 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.

2538 N Lincoln AveChicago, IL 60614(773) 871-0808View Map

4806 N Milwaukee AveChicago, IL 60630(773) 202-9666View Map

3338 W Foster AveChicago, IL 60625(773) 604-4334View Map

W.A. George Insurance Agency
155 N Michigan Ave #300Chicago, IL 60601(312) 729-5265View Map

More Chicago agents

Finding the right insurer shouldn’t rely on just the price. You should also get answers to these questions.

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.Auto insurance savings

For example, these questions might help in determining whether your personal situation may require specific advice.

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.

Liability insurance

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

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

Collision 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: