Mercury Mariner Insurance Rates in Jersey City

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Discount Mercury Mariner insuranceIf you want to save the most money, the best way to find discount Mercury Mariner insurance is to start comparing prices yearly from different companies who sell auto insurance in Jersey City.

  • Step 1: Learn about the different coverages in a policy and the measures you can control to prevent expensive coverage. Many policy risk factors that increase rates like distracted driving and poor credit history can be rectified by being financially responsible and driving safely. Keep reading for instructions to help reduce prices and find discounts that you may qualify for.
  • Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from one company like Progressive or State Farm, while independent agents can provide price quotes from multiple insurance companies.
  • Step 3: Compare the price quotes to your current policy to determine if switching companies saves money. If you find better rates and buy the policy, make sure there is no lapse in coverage.
  • Step 4: Notify your company or agent to cancel the current policy. Submit a down payment along with a completed application to your new agent or company. Immediately upon receiving it, keep your new proof of insurance paperwork in your glove compartment.

An important part of this process is that you use similar limits and deductibles on every quote and and to look at as many companies as you can. Doing this helps ensure a fair price comparison and a complete price analysis.

A study showed that most consumers renewed their policy with the same company for over three years, and about 40% of consumers have never shopped around. Consumers in New Jersey could save about 40% a year just by getting comparison quotes, but they don't believe the amount of money they would save if they switch to a new company.

Getting a cheaper price on Mercury Mariner insurance can be surprisingly simple. The only requirement is to spend a few minutes comparing price quotes provided by online insurance companies.

The following companies offer comparison quotes in New Jersey. To find cheap car insurance in Jersey City, NJ, we recommend you compare several of them to get a more complete price comparison.

Lower-cost Jersey City insurance quotes with discounts

Some insurers don't always list every available discount in an easy-to-find place, so the list below contains a few of the more well known and the harder-to-find savings tricks you should be using when you buy Jersey City auto insurance online. If you are not receiving all the discounts you qualify for, you could be saving more on your insurance.Cheaper insurance with discounts

  • More Vehicles More Savings - Purchasing coverage when you have multiple cars on one policy qualifies for this discount.
  • Discount for Passive Restraints - Vehicles equipped with air bags may qualify for discounts up to 30%.
  • Driver Safety - Taking a course that instructs on driving safety could earn you a small percentage discount and make you a better driver.
  • E-sign - Certain larger companies will give you a small discount for completing your application digitally online.
  • Good Students Pay Less - Getting good grades can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
  • Theft Deterrent System - Cars, trucks, and SUVs with anti-theft systems can help prevent theft and earn discounts up to 10% off your Jersey City auto insurance quote.
  • Telematics Discount - Drivers who elect to allow driving data submission to analyze driving habits by installing a telematics device like Allstate's Drivewise could see a rate decrease if they are good drivers.
  • Senior Citizen Discount - Older drivers could receive better insurance rates.
  • Organization Discounts - Being in a civic or occupational organization in Jersey City can get you a small discount on your bill.

Discounts lower rates, but most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as comp or med pay. So even though it sounds like you can get free auto insurance, it just doesn't work that way.

The diagram below visualizes the comparison of Mercury Mariner insurance costs with and without discounts. The information is based on a male driver, no claims or violations, New Jersey state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, multi-car, safe-driver, and claim-free discounts applied.

A partial list of companies that may have some of the above discounts include:

Double check with each company which credits you are entitled to. Some credits might not apply in every state. To find providers with discount insurance rates in New Jersey, click here.

Rates and statistics

The coverage information shown below highlights estimates of insurance rates for Mercury Mariner models. Learning a little about how prices are figured can help drivers make smart choices when purchasing an auto insurance policy.

Mercury Mariner Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $320 $530 $462 $28 $138 $1,478 $123
Mariner Premier 2WD $320 $644 $462 $28 $138 $1,592 $133
Mariner AWD $320 $644 $462 $28 $138 $1,592 $133
Mariner Hybrid 2WD $320 $760 $544 $32 $162 $1,818 $152
Mariner Premier AWD $360 $644 $462 $28 $138 $1,632 $136
Mariner Hybrid AWD $360 $760 $544 $32 $162 $1,858 $155
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Information does not factor in specific zip code location which can influence prices significantly.

An analysis of deductible level

One of the more difficult decisions when buying car insurance is how high should the deductibles for physical damage be. The tables below may help to illustrate the costs and benefits when you buy lower versus higher physical damage deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second data table uses a $1,000 deductible.

Mercury Mariner insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $372 $514 $408 $24 $122 $1,465 $122
Mariner Premier 2WD $372 $626 $408 $24 $122 $1,577 $131
Mariner AWD $372 $626 $408 $24 $122 $1,577 $131
Mariner Hybrid 2WD $372 $738 $480 $28 $144 $1,787 $149
Mariner Premier AWD $420 $626 $408 $24 $122 $1,625 $135
Mariner Hybrid AWD $420 $738 $480 $28 $144 $1,835 $153
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Mercury Mariner insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $230 $324 $408 $24 $122 $1,108 $92
Mariner Premier 2WD $230 $394 $408 $24 $122 $1,178 $98
Mariner AWD $230 $394 $408 $24 $122 $1,178 $98
Mariner Hybrid 2WD $230 $464 $480 $28 $144 $1,346 $112
Mariner Premier AWD $258 $394 $408 $24 $122 $1,206 $101
Mariner Hybrid AWD $258 $464 $480 $28 $144 $1,374 $115
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Prices do not factor in specific location which can alter rates noticeably.

We can estimate from the data above that using a $250 deductible will cost you approximately $34 more each month or $408 for a full year 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 average at a minimum 22 months between claim filings, you would come out ahead by going with a higher deductible. The numbers below show an example of how you can decide this on your own policy.

Average monthly premium for $250 deductibles: $137
Average monthly premium for $1,000 deductibles (subtract): - $103
Monthly savings from raising deductible: $34
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $34
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

One important note is that raising deductibles to get cheaper rates results in more money out-of-pocket if you have a claim. You must have some funds available in order to pay the higher deductible in order to repair your vehicle.

Do you need full coverage?

The diagram below shows the difference between Mercury Mariner car insurance rates when comparing full coverage to liability only. Data assumes no accidents or driving violations, $250 deductibles, single marital status, and no policy discounts are applied.

Guidelines for dropping full coverage

There is no clear-cut formula of when to exclude physical damage coverage, but there is a general convention. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let's say your Mercury Mariner settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after the deductible is paid. If you are currently paying more than $700 annually for physical damage coverage, then it's probably a good time to buy liability coverage only.

There are some conditions where only buying liability is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder's interest. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should not buy liability only.

Learn How to Quote Insurance Cheaper

Multiple criteria are part of the calculation when you get your auto insurance bill. Most are fairly basic such as your driving history, but other factors are more transparent such as whether you are married or your vehicle rating. An important part of buying insurance is that you know some of the elements that are used to determine insurance rates. If you know what determines premiums, this empowers consumers to make smart changes that can earn you big savings.

The factors shown below are just a few of the factors used by companies to determine your rate level.

  • Higher prices for stressful occupations - Occupations such as military generals, architects, and medical professionals tend to have the highest average rates in part from high stress levels and extremely grueling work hours. On the flip side, careers such as actors, engineers and retirees have lower than average premiums.
  • Being married can save you money - Your spouse can get you a discount when shopping for insurance. Having a spouse translates into being more mature than a single person and it's statistically proven that married drivers tend to have fewer serious accidents.
  • Teenagers are high risk - Teenage drivers in New Jersey are known to be careless and easily distracted with other occupants in the car therefore insurance rates are much higher. Parents adding a teenage driver onto a policy can increase premiums substantially. More mature drivers tend to be more responsible, cost insurance companies less in claims, and get fewer tickets.

    The following data uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.

  • Performance makes a difference - The make and model of the car or truck you are trying to find cheaper insurance for makes a big difference in your auto insurance rates. Lower performance four cylinder passenger cars generally have the cheapest insurance rates, but your final cost has many other factors.

    The following data assumes a married female driver age 30, full coverage with $500 deductibles, and no discounts or violations. The chart compares Mercury Mariner rates compared to other makes and models that have different performance risks.

Car insurance agents are professional risk managers

Many people still like to sit down and talk to an agent and that can be a great decision Experienced insurance agents can point out coverage gaps and help in the event of a claim. The biggest benefit of comparing rate quotes online is that drivers can save money and get lower rates but also keep your business local.

Find insurance agent in Jersey CityOnce you complete this simple form, the coverage information is submitted to companies in Jersey City that can provide free Jersey City auto insurance quotes for your auto insurance coverage. You won't even need to contact any insurance agencies due to the fact that quote results will go directly to your email. In the event you want to get a rate quote from a particular provider, you just need to visit that company's website and fill out their quote form.

Finding a good insurance company requires you to look at more than just a cheap quote. The questions below may impact your decision as well.

  • Can you contact them at any time?
  • Do the companies they represent have a solid financial rating?
  • Will the agent help in case of a claim?
  • If you have an accident, will your rates go up?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Does the agent have professional designations like CIC, CPCU or AIC?

Shown below is a short list of insurance companies in Jersey City willing to provide price quotes for Mercury Mariner insurance in Jersey City.

More Jersey City agents

Best car insurance in New Jersey

Ending up with the best car insurance provider is difficult considering how many choices you have in Jersey City. The company information shown below may help you analyze which companies you want to consider purchasing from.

Top Car Insurance Companies in New Jersey
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Mercury Insurance 87 96 100 87% A+ 93.4
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Best Car Insurance Companies

Quote more to save more

Drivers leave their current company for a number of reasons such as denial of a claim, high prices, policy cancellation and not issuing a premium refund. No matter why you want to switch, finding a new company is not as difficult as it may seem.

Throughout this article, we presented many ideas to lower your Mercury Mariner insurance car insurance rates in Jersey City. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even be surprised to find that the lowest car insurance rates come from the smaller companies.

Discount Mercury Mariner insurance in Jersey City can be bought on the web and from local agencies, so get free Jersey City auto insurance quotes from both of them to have the best rate selection. There are still a few companies who may not provide online quoting and most of the time these small insurance companies provide coverage only through independent agents.

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