Cheapest Mercury Mariner Insurance in Seattle

Want to know an easy way to compare the cheapest Mercury Mariner insurance in Seattle? No car owner likes having to buy car insurance, particularly when the cost is too high.

Unbelievable but true, the vast majority of consumers have purchased from the same company for at least four years, and almost half have never quoted car insurance rates at all. Washington consumers can save hundreds of dollars each year by just comparing rate quotes, but they won’t spend time to compare other rate quotes. Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate increase brand awareness with ads and it is difficult to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Best companies for cheap Mercury Mariner insurance in Washington

The companies shown below can provide price comparisons in Seattle, WA. If more than one company is shown, we suggest you compare several of them to get the best price comparison.

Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rates do not factor in vehicle garaging location which can revise premium rates considerably.

Comparison of policy deductibles

The illustration below highlights how deductible choice and can increase or decrease Mercury Mariner insurance rates for each different age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

Analysis of deductible levels

When comparing car insurance rates, the most common question is where should you set your physical damage deductibles. The figures shown below may help you to understand the rate difference when you select higher and lower physical damage deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in specific location which can influence insurance rates noticeably.

We can derive from the above data that using a $250 deductible will cost you about $12 more each month or $144 every year than buying the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to average more than 21 months between claims, you would come out ahead if you choose the higher deductible.

Yearly car insurance costs for men versus women

The diagram below shows the difference between Mercury Mariner auto insurance rates for male and female drivers. Data assumes no claims or driving violations, comp and collision included, $250 deductibles, marital status is single, and no policy discounts are applied.

Car insurance quotes and discounts

Car insurance is not an enjoyable expense, but you may find discounts that can help lower your rates. Most are applied when you purchase, but less common discounts must be inquired about before being credited.

• Clubs and Organizations – Having an affiliation with a qualifying organization is a good way to get lower rates on your next renewal.
• Telematics Data Discounts – Drivers who elect to allow data collection to spy on where and when they drive by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates as long as they are good drivers.
• Multiple Policy Discount – If you can combine your homeowners and auto policy and place coverage with the same company they may give you a discount of at least 10 to 15 percent or more.
• Lower Rates for Military – Being deployed in the military could qualify you for better premium rates.
• Accident Forgiveness – This isn’t a discount exactly, but a few companies such as Progressive, Allstate, and GEICO will forgive one accident before raising your premiums so long as you are claim-free for a particular time prior to the accident.

As a footnote on discounts, some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as medical payments or collision. Just because it seems like you could get a free car insurance policy, it just doesn’t work that way.

A few popular companies and a summarized list of policyholder discounts include:

• Travelers offers discounts for new car, driver training, student away at school, multi-car, and hybrid/electric vehicle.
• 21st Century policyholders can earn discounts including teen driver, anti-lock brakes, early bird, defensive driver, 55 and older, homeowners, and theft prevention.
• State Farm may offer discounts for good driver, passive restraint, accident-free, multiple policy, and anti-theft.
• GEICO has savings for multi-vehicle, anti-theft, driver training, military active duty, good student, and five-year accident-free.
• SAFECO includes discounts for accident prevention training, drive less, teen safe driver, anti-theft, homeowner, and teen safety rewards.
• AAA has discounts for AAA membership discount, multi-policy, education and occupation, pay-in-full, good driver, multi-car, and anti-theft.

When getting a coverage quote, ask all companies you are considering what discounts are available to you. Some discounts listed above might not apply in every state. To choose companies with discount car insurance rates in Seattle, click here.

Local Seattle insurance agents

Many people still prefer to buy from a licensed agent and we recommend doing that Experienced insurance agents can point out coverage gaps and help you file claims. The biggest benefit of comparing rates online is that you can find better rates and still have an agent to talk to.

By using this quick form, the quote information is transmitted to local insurance agents in Seattle that provide free Seattle car insurance quotes for your coverage. There is no reason to find an agent as quotes are delivered to you instantly. If for some reason you want to get a comparison quote for a specific company, don’t hesitate to search and find their rate quote page and fill out their quote form.

Choosing a insurer shouldn’t rely on just the quoted price. The answers to these questions are important, too.

• Are there any discounts for paying up front?
• Do they make recommendations based only on price?
• Are all drivers listed on the coverage quote?
• How long has the business existed?
• Is the agent properly licensed in Washington?

Exclusive or Independent: There is a difference

If you are wanting to find a local agent, there are two different types of agencies and how they operate. Auto insurance agents in Seattle are classified as either exclusive or independent agents depending on their company appointments. Either one can sell affordable auto insurance policies, but it’s important to point out the difference in the companies they write for because it can impact the kind of agent you use.

Exclusive Insurance Agencies

Agents that choose to be exclusive generally can only insure with one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot shop your coverage around so always compare other rates. Exclusive agencies are well schooled on their company’s products which helps offset the inability to provide other markets.

The following is a short list of exclusive agencies in Seattle who may provide you with rate quotes.

View more Seattle agents

Independent Auto Insurance Agents

Agents that choose to be independent are not required to write business for one company and that is an advantage because they can write policies with an assortment of companies and get you the best rates possible. If they find a cheaper price, they simply move your policy to a different company and you don’t have to do anything.

When comparing auto insurance rates, we recommend you get quotes from multiple independent agents to ensure the widest selection of prices.

Listed below are independent agencies in Seattle willing to provide price quote information.

View more Seattle agents

If you receive satisfactory answers to all your questions and an acceptable price quote, chances are good that you have found an auto insurance agent that will insure your vehicles. Keep in mind consumers can terminate coverage whenever you choose to so don’t feel you are locked into any specific company for any length of time.

Compare but don’t skimp

As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. Too many times, an insured dropped liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your objective should be to purchase a proper amount of coverage at an affordable rate, but don’t skip important coverages to save money.

More affordable car insurance in Seattle can be purchased on the web in addition to many Seattle insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies don’t offer price quotes online and most of the time these small insurance companies sell through independent insurance agents.

You just learned a lot of ways to reduce Mercury Mariner insurance rates online in Seattle. It’s most important to understand that the more companies you get auto insurance rates for, the better chance you’ll have of finding affordable Mercury Mariner insurance quotes. Consumers may even find the most savings is with a small local company. Regional companies may only write in your state and offer lower auto insurance rates compared to the large companies like Progressive or GEICO.

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