Best Quotes for Mercury Mariner Insurance in Anchorage

We don’t have to tell you that insurance companies want to keep you from comparing rates. Insureds who shop around for cheaper rates will probably buy a new policy because they stand a good chance of finding better rates. A recent study showed that consumers who did price comparisons regularly saved about $3,400 over four years as compared to drivers who never compared rates.

If finding budget-friendly car insurance in Anchorage is your target objective, then having some insight into how to quote and compare car insurance can help you succeed in saving money.

It takes a few minutes, but the best way to save on Mercury Mariner insurance is to start comparing rates regularly from different companies who provide auto insurance in Anchorage.

1. Learn about the coverage provided by your policy and the measures you can take to prevent expensive coverage. Many rating factors that cause high rates like at-fault accidents and an unacceptable credit history can be eliminated by paying attention to minor details. Keep reading for ideas to help reduce prices and find additional discounts.
2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can give quotes from a single company like GEICO or Allstate, while independent agents can quote prices from multiple insurance companies. View companies
3. Compare the new quotes to the price on your current policy to see if a cheaper rate is available in Anchorage. If you find a lower rate quote, ensure there is no coverage lapse between policies.
4. Give notification to your current company of your intent to cancel the current policy and submit a signed application and payment to the newly selected company. Once the application is submitted, keep your new proof of insurance certificate in a readily accessible location in your vehicle.

An important part of this process is that you’ll want to make sure you compare similar coverage information on every price quote and to quote with as many auto insurance providers as possible. Doing this enables a level playing field and plenty of rates choose from.

If you have insurance now, you will surely be able to find better prices using these methods. These techniques will teach you a little about how car insurance works and also save some money in the process Although Alaska consumers must comprehend the way insurance companies price online insurance and take advantage of how the system works.

Free Anchorage Mercury Mariner insurance quotes

All major insurance companies allow consumers to get insurance quotes online. Doing online quotes for Mercury Mariner insurance in Anchorage doesn’t take much effort as you simply type in the coverage amounts you desire into the quote form. When complete, the system orders reports for credit and driving violations and generates pricing information based on these factors.

Getting online rates for Mercury Mariner insurance in Anchorage makes it simple to compare prices and it’s necessary to compare as many rates as possible if you want to get a lower rate.

To save time and find out what other companies charge, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you copy deductibles and limits as close as possible to your current policy. Using the same limits helps guarantee you will have comparison quotes using the same coverage and limits.

The auto insurance companies shown below are ready to provide price comparisons in Alaska. To buy the best auto insurance in Anchorage, it’s highly recommended you get price quotes from several of them to get the cheapest price.

Analysis of coverages

The coverage table shown next outlines a range of coverage costs for Mercury Mariner models. Having a good understanding how car insurance premiums are determined can aid in making smart choices when purchasing an auto insurance policy.

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alaska minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price estimates do not factor in specific zip code location which can revise rates considerably.

Analysis of deductible levels

One of the most common insurance questions is how low should you set your deductibles. The following insurance rates approximate the difference in cost between high and low insurance deductibles. The first rate table uses a $250 deductible for physical damage and the second pricing table uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in garaging location in Anchorage which can lower or raise auto insurance rates significantly.

Based on these figures, using a $250 deductible will cost you roughly $12 more each month or $144 each year averaged for all Mariner models than quoting the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 21 months between claims, you would save money if you opt for a higher deductible.

Comparison of insurance rates by age and gender in Anchorage

The example below shows the comparison of Mercury Mariner insurance prices for male and female drivers. The rates are based on no violations or claims, comp and collision included, $100 deductibles, marital status is single, and no policy discounts are applied.

Rate difference between full and liability-only coverage

The illustration below shows the comparison of Mercury Mariner car insurance rates when comparing full coverage to liability only. The rates are based on no claims or driving citations, $250 deductibles, drivers are not married, and no discounts are applied.

When to drop comprehensive and collision

There isn’t a written rule of when to exclude full coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than around 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let’s pretend your Mercury Mariner replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $6,000 after paying your deductible. If it’s costing you more than $600 annually for physical damage coverage, then you may need to consider dropping full coverage.

There are some situations where only buying liability is not a good idea. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

Insurance in Alaska serves several purposes

Despite the high cost of buying insurance for a Mercury Mariner in Anchorage, paying for insurance is not optional due to several reasons.

First, almost all states have mandatory insurance requirements which means state laws require a minimum amount of liability coverage in order to drive the car legally. In Alaska these limits are 50/100/25 which means you must have $50,000 of bodily injury coverage per person, $100,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your Mercury Mariner, more than likely the lender will stipulate that you carry insurance to guarantee payment of the loan. If coverage lapses or is canceled, the bank will be required to insure your Mercury at a much higher premium rate and make you pay the higher price.

Third, insurance safeguards not only your car but also your financial assets. It also can pay for medical bills for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay for a defense attorney if you are sued as the result of your driving. If you have damage to your Mercury as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.

The benefits of buying enough insurance definitely exceed the price paid, specifically if you ever have a liability claim. But the average American driver is overpaying more than $700 annually so compare rate quotes at least once a year to save money.

How Insurance Companies Calculate Mercury Mariner Insurance Costs

Many factors are taken into consideration when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but some are not as apparent like your vehicle usage or how safe your car is. Smart consumers have a good feel for some of the factors that come into play when calculating insurance rates. When you understand what controls the rates you pay, this enables you to make decisions that could result in lower rates.

• Bundle policies to earn discounts – Many insurers will give a discount to buyers who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, it’s always a smart idea to get quotes from other companies to guarantee you are still saving the most. You may still find better rates by buying insurance from more than one company.
• Be proud to be claim-free – If you frequently file small claims, don’t be surprised to see either policy cancellation or increased premiums. Auto insurance companies in Alaska provide cheaper rates to drivers who do not file claims often. Auto insurance is designed for the large, substantial claims.
• Raising coverage deductibles lowers costs – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Mercury from damage. Some examples of claims that would be covered could be a broken windshield, flood damage, and burglary. Physical damage deductibles are how much you are willing to pay out-of-pocket if a claim is determined to be covered. The more damage repair cost you are required to pay out-of-pocket, the better rate you will receive.
• Eliminate extra policy coverages – There are a lot of extra coverages that you can buy on your Mariner policy. Things like coverage for rental cars, death and dismemberment, and extra life insurance coverage could be just wasting money. You may think they are a good idea initially, but now you might not need them so remove them from your policy.
• Low mileage costs less – The higher the mileage driven annually the higher the price you pay to insure it. A lot of insurance companies charge rates based upon how much you drive. Cars left parked in the garage get more affordable rates than vehicles that are driven to work every day. Verify your insurance policy is showing how each vehicle is driven. A policy that improperly rates your Mariner may be wasting your money.
• Big cities have higher premiums – Living in areas with lower population is a positive aspect when trying to find low car insurance rates. Residents of big cities tend to have more traffic problems and more time behind the wheel. Less people means fewer accidents in addition to fewer liability claims.
• Higher prices for coverage lapses – Driving without insurance coverage in place is not a good idea and any future policy may cost more because you let your insurance lapse. Not only will you pay more, getting caught without coverage will get you fines or a revoked license.

• Premiums drop with age – More mature drivers have been proven to be more responsible, cost insurance companies less in claims, and are safer drivers. Teenage drivers are proven to be more careless when driving with friends so insurance rates are higher.

  The following chart assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

Car insurance policy discounts for Mercury Mariner insurance in Anchorage

Car insurance companies don’t necessarily list the complete list of policy discounts very well, so we researched a few of the more common as well as the least known credits that you can use to lower your rates.

• Good Grades Discount – Performing well in school can save 20 to 25%. You can use this discount normally well after school through age 25.
• Safe Driver Discounts – Drivers who avoid accidents may save up to 50% more than less cautious drivers.
• Theft Prevention Discount – Cars optioned with advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
• Data Collection Discounts – Insureds that choose to allow data collection to monitor vehicle usage by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they show good driving skills.
• Military Discounts – Being on active deployment in the military could be rewarded with lower prices.
• Discounts for New Vehicles – Buying a new car instead of a used Mariner can cost up to 25% less compared to insuring an older model.
• Driver Training Discounts – Passing a course that instructs on driving safety can save you 5% or more and easily pay for the cost of the class.

Discounts lower rates, but some credits don’t apply to the entire policy premium. Most only cut individual premiums such as medical payments or collision. If you do the math and it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

The illustration below shows the difference between Mercury Mariner insurance prices with and without discounts applied to the rates. The premium estimates are based on a female driver, no violations or claims, Alaska state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, multi-policy, safe-driver, and marriage discounts applied.

Companies and their offered discounts are detailed below.

• GEICO has discounts for seat belt use, anti-lock brakes, multi-policy, anti-theft, five-year accident-free, emergency military deployment, and multi-vehicle.
• Travelers offers discounts including multi-policy, hybrid/electric vehicle, new car, driver training, and home ownership.
• Nationwide discounts include anti-theft, good student, multi-policy, Farm Bureau membership, business or organization, and accident-free.
• Farmers Insurance offers discounts for bundle discounts, homeowner, good student, distant student, pay in full, and early shopping.
• Esurance has savings for DriveSense, defensive driver, online shopper, good student, and Pac-12 alumni.
• State Farm may have discounts that include multiple autos, accident-free, defensive driving training, driver’s education, Steer Clear safe driver discount, anti-theft, and good driver.
• Progressive policyholders can earn discounts including good student, online quote discount, online signing, multi-policy, and continuous coverage.
• Mercury Insurance offers premium reductions for good driver, multi-car, low natural disaster claims, good student, age of vehicle, and multi-policy.

When getting a coverage quote, ask every prospective company how you can save money. Some credits might not be offered on policies in your area. If you would like to view providers with discount car insurance rates in Anchorage, click here to view.

Will just any policy work for me?

When it comes to buying adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

• What if a claim settlement is too low?
• Am I covered if hit by an uninsured driver?
• What states are considered no-fault?
• Can I insure my car for more than it’s worth?
• Do I have coverage when pulling a U-Haul trailer?
• How can I force my company to pay a claim?
• Should I rate my Mercury Mariner as pleasure use or commute?
• Is business equipment covered while in my vehicle?
• How does medical payments coverage work?
• Do they offer discounts for home and auto coverage?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form.

You may need advice from a local insurance agent

Certain consumers still like to sit down with an agent and that is a personal choice. The biggest benefit of comparing rate quotes online is you can get the best rates and still choose a local agent. Buying from and supporting small agencies is still important in Anchorage.

After filling out this quick form, the quote information is emailed to local insurance agents in Anchorage who will give you bids for your auto insurance coverage. There is no need to contact any insurance agencies since price quotes are sent straight to your inbox. You can find lower rates without requiring a lot of work. If for some reason you want to quote rates for a specific company, don’t hesitate to visit that company’s website and give them your coverage information.

If you would like to find an insurance agent, it’s helpful to know the different types of agencies and how they differ in how they quote coverages. Auto insurance policy providers can be categorized as either independent agents or exclusive agents.

Independent Auto Insurance Agents

These type of agents are normally appointed by many insurers so they can insure your vehicles amongst many companies and find you cheaper rates. If they find a lower price, your policy is moved internally and the insured can keep the same agent. When comparing rate quotes, you will want to check rates from independent agents to have the most options to choose from. Most independent agents also contract with small mutual carriers who may have lower rates.

Featured below is a small list of independent agents in Anchorage that may be able to give comparison quotes.

• Kent S Kallander Insurance Agency Inc
  1317 W Northern Lights Blvd #9 – Anchorage, AK 99503 – (907) 563-1492 – View Map
• Kevin Dykman Agency
  4450 Cordova St #120 – Anchorage, AK 99503 – (907) 563-5300 – View Map
• Conrad-Houston Insurance
  507 W Northern Lights Blvd – Anchorage, AK 99503 – (907) 276-7667 – View Map

View more Anchorage agents

Exclusive Auto Insurance Agencies

Exclusive agents can only provide one company’s prices and examples are Allstate, State Farm and Farm Bureau. They usually cannot shop your coverage around so you might not find the best rates. Exclusive agencies are usually quite knowledgeable in insurance sales which can be an advantage. Consumers often buy from the same agent for years primarily because of the brand name and solid financial strength.

Shown below is a list of exclusive agents in Anchorage that are able to give rate quotes.

• Bill Evans – State Farm Insurance Agent
  805 Gambell St – Anchorage, AK 99501 – (907) 276-2424 – View Map
• Allstate Insurance: Kay Rodriguez
  5001 Arctic Blvd Ste 201 – Anchorage, AK 99503 – (907) 562-0003 – View Map
• Herb Schlereth – State Farm Insurance Agent
  225 E Fireweed Ln #101 – Anchorage, AK 99503 – (907) 277-5548 – View Map

View more Anchorage agents

Picking the best car insurance agent should include more criteria than just a cheap price. These are some valid questions you should ask.

• Is there any savings for paying the full premium?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• When do they do policy reviews?
• Can they provide you with a list of referrals?
• Do they assist clients in filing claims?

Once you have positive feedback to these questions and locked in a price quote, you may have just found a car insurance agent that can be relied on to properly insure your vehicles.

Find affordable rates by being thorough

Some insurance companies don’t offer the ability to get a quote online and most of the time these small insurance companies only sell through independent agencies. Budget-conscious Mercury Mariner insurance is attainable both online and from local agencies, so you should compare both in order to have the best chance of saving money.

Insureds who switch companies do it for any number of reasons including lack of trust in their agent, being labeled a high risk driver, high rates after DUI convictions or even questionable increases in premium. Regardless of your reason, finding the right insurance provider is pretty easy and you might even save some money in the process.

As you restructure your insurance plan, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, someone dropped full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.

More learning opportunities

• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Who Has Cheap Anchorage Auto Insurance for Teenage Females? (FAQ)
• Who Has Affordable Car Insurance Rates for a 20 Year Old Female in Anchorage? (FAQ)
• Event Data Recorders FAQ (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Institute)
• Protecting Teens from Drunk Driving (Insurance Information Institute)