The recommended way to get low-cost car insurance rates is to regularly compare price quotes from providers in Nashville. Price quotes can be compared by following these guidelines.
- Step 1: Get a basic knowledge of the coverage provided by your policy and the measures you can take to keep rates low. Many rating factors that result in higher rates such as accidents, careless driving, and a less-than-favorable credit history can be controlled by making minor driving habit or lifestyle changes.
- Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agencies can provide prices from multiple companies.
- Step 3: Compare the price quotes to your current policy and see if you can save money. If you find a lower rate quote, make sure there is no coverage gap between policies.
- Step 4: Give proper notification to your current agent or company of your intent to cancel your existing policy. Submit a down payment along with a signed application to your new company or agent. As soon as coverage is bound, store the certificate verifying coverage with the vehicle registration.
One key aspect of rate comparisons is that you use similar limits and deductibles on every price quote and and to look at as many car insurance companies as possible. Doing this provides the most accurate price comparison and and a good selection of different prices.
Unthinkable but true, the vast majority of drivers have purchased from the same company for four years or more, and almost 40% of drivers have never even shopped around for lower-cost coverage. Many drivers in the United States could save themselves almost $860 a year, but they just assume it takes a lot of time to compare rate quotes online.
If you’re already insured or are shopping for new coverage, take advantage of these tips to save money without reducing coverage. Buying the cheapest auto insurance in Nashville can be made easier if you know where to look. Comparison shoppers just have to know the quickest method to compare price quotes using one simple form.
Companies offer money-saving discounts on Mercury Mariner insurance in Nashville
Auto insurance companies don’t necessarily list every discount available very clearly, so the list below contains a few of the more common and the harder-to-find credits available to bring down your rates. If you do not double check each discount you qualify for, you could be saving more on your car insurance.
- No Claim Discounts – Insureds who avoid accidents and claims have much lower rates in comparison with accident-prone drivers.
- Federal Employees – Active or former government employment may qualify for a discount when you quote Nashville auto insurance depending on your car insurance provider.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes have fewer accidents and therefore earn up to a 10% discount.
- Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you could save up to 5%.
- Discount for New Cars – Buying a new car instead of a used Mariner may earn a small discount because new vehicles have to meet stringent safety requirements.
- Senior Discount – Older drivers may receive a small discount on rates.
- Passive Restraints – Cars that have air bags can receive discounts as much as 30%.
- Driving Data Discount – Drivers who elect to allow their car insurance company to scrutinize where and when they drive through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if their driving habits are good.
- Early Signing – Some insurance companies give discounts for switching policies prior to the expiration date on your current Mariner insurance policy. You may see this discount when you get Nashville auto insurance quotes online.
Discounts save money, but please remember that many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, nobody gets a free ride.
The information below shows the difference between Mercury Mariner yearly insurance costs with and without discounts applied. The premiums assume a female driver, no claims or driving citations, Tennessee state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, claim-free, safe-driver, marriage, and multi-car discounts applied.
A list of companies and some of their more popular discounts are:
- Farm Bureau policyholders can earn discounts including driver training, good student, safe driver, renewal discount, multi-vehicle, and multi-policy.
- MetLife offers discounts including good driver, accident-free, good student, multi-policy, claim-free, and defensive driver.
- Progressive discounts include continuous coverage, good student, online quote discount, online signing, and multi-policy.
- AAA includes discounts for multi-car, AAA membership discount, good student, multi-policy, and education and occupation.
- American Family offers premium reductions for good student, Steer into Savings, air bags, accident-free, good driver, defensive driver, and TimeAway discount.
- GEICO may have discounts that include anti-theft, daytime running lights, seat belt use, military active duty, and driver training.
- State Farm has savings for multiple policy, Drive Safe & Save, Steer Clear safe driver discount, good driver, and accident-free.
If you need lower rates, check with each company or agent how you can save money. Depending on the company, some discounts may not apply in Nashville. To find companies that can offer you the previously mentioned discounts in Nashville, click this link.
Where can I get the cheapest Nashville Mercury Mariner insurance?
Finding a better price on auto insurance isn’t really that difficult. Drivers just need to take time to compare rate quotes online with multiple companies.
Comparing free quotes online is easy and it, makes it a waste of time to waste gas driving to and from local Nashville insurance agencies. Comparing online rate quotes makes this process obsolete unless you require the trained guidance of an agent trained in personal lines coverage. Although you can get the lowest quotes online and get advice from an agent in your area.
The providers in the list below can provide quotes in Tennessee. If you want cheap car insurance in Nashville, we suggest you compare several of them in order to get a fair rate comparison.
Analysis of coverages
The price information below outlines different insurance coverage prices for Mercury Mariner models. Having a good grasp of how insurance premiums are established can assist in making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $178 | $286 | $298 | $18 | $88 | $868 | $72 |
| Mariner Premier 2WD | $178 | $348 | $298 | $18 | $88 | $930 | $78 |
| Mariner AWD | $178 | $348 | $298 | $18 | $88 | $930 | $78 |
| Mariner Hybrid 2WD | $178 | $410 | $350 | $20 | $104 | $1,062 | $89 |
| Mariner Premier AWD | $200 | $348 | $298 | $18 | $88 | $952 | $79 |
| Mariner Hybrid AWD | $200 | $410 | $350 | $20 | $104 | $1,084 | $90 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in vehicle garaging location which can affect price quotes greatly.
Physical damage deductible comparison
One common question asked by Nashville drivers is which deductibles should you choose. The tables below illustrate the rate differences of buying low and high policy deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $248 | $368 | $246 | $14 | $74 | $975 | $81 |
| Mariner Premier 2WD | $248 | $448 | $246 | $14 | $74 | $1,055 | $88 |
| Mariner AWD | $248 | $448 | $246 | $14 | $74 | $1,055 | $88 |
| Mariner Hybrid 2WD | $248 | $528 | $288 | $18 | $86 | $1,193 | $99 |
| Mariner Premier AWD | $280 | $448 | $246 | $14 | $74 | $1,087 | $91 |
| Mariner Hybrid AWD | $280 | $528 | $288 | $18 | $86 | $1,225 | $102 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $182 | $250 | $246 | $14 | $74 | $766 | $64 |
| Mariner Premier 2WD | $182 | $304 | $246 | $14 | $74 | $820 | $68 |
| Mariner AWD | $182 | $304 | $246 | $14 | $74 | $820 | $68 |
| Mariner Hybrid 2WD | $182 | $358 | $288 | $18 | $86 | $932 | $78 |
| Mariner Premier AWD | $204 | $304 | $246 | $14 | $74 | $842 | $70 |
| Mariner Hybrid AWD | $204 | $358 | $288 | $18 | $86 | $954 | $80 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rates do not factor in specific zip code location which can alter coverage prices significantly.
Based on these figures, using a $100 deductible costs approximately $21 more each month or $252 every year than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have at least 19 months between claims, you would probably save some money going with the higher deductible.
The illustration below demonstrates how deductibles and can change Mercury Mariner yearly insurance costs for each different age category. The premiums are based on a single female driver, full coverage, and no discounts are applied to the premium.
Auto insurance cost for men versus women in Nashville
The chart below illustrates the comparison of Mercury Mariner auto insurance costs for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $100 deductibles, single marital status, and no other discounts are factored in.
Mercury Mariner liability-only versus full coverage
The information below illustrates the difference between Mercury Mariner insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no accidents or driving violations, $1,000 deductibles, single status, and no discounts are applied to the premium.
When to switch to liability coverage only
There isn’t a written rule for dropping physical damage coverage, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Mercury Mariner claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,000 after paying the physical damage deductible. If you are currently paying more than $500 annually for physical damage coverage, then you may need to consider dropping full coverage.
There are some conditions where dropping physical damage coverage is not recommended. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Why You Might Pay Higher Rates in Nashville
Many things are part of the calculation when pricing auto insurance. A few of the factors are predictable like your driving record, although some other factors are less obvious such as your credit history or your vehicle rating.
Shown below are some of the major factors used by insurance companies to determine your prices.
- Save by driving less – The more you drive in a year the more you’ll pay to insure it. A lot of insurance companies charge to insure your cars based upon how much you drive. Vehicles that do not get driven very much qualify for better rates as compared to vehicles used primarily for driving to work. Verify your declarations sheet correctly shows how each vehicle is driven, because it can save money. Having an incorrect usage rating on your Mariner can cost quite a bit.
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Insurance prices and vehicle performance – The performance level of the car you need to insure makes a significant difference in how high your rates are. Economy passenger cars normally have pretty low rates, but your final cost has many other factors.
The following data uses these assumptions: single female driver age 30, full coverage with $100 deductibles, and no discounts or violations. The chart compares Mercury Mariner policy rates compared to other models of vehicles that have different risk factors.
- Your credit rating is important – A driver’s credit score is a big factor in determining premium rates. If your credit can use some improvement, you could be paying less to insure your Mercury Mariner by repairing your credit. People with good credit tend to file fewer claims and have better driving records than drivers with lower ratings.
- Urban residents pay more – Living in less populated areas of the country has it’s advantages when shopping for auto insurance. Drivers in populated areas have to deal with more auto accidents and much longer commute distances. Fewer drivers and short commutes translates into fewer accidents and a lower car theft rate.
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Bad drivers pay high costs – Being a careful driver has a lot to do with how much you pay for insurance. Good drivers get better prices compared to bad drivers. Getting just one speeding ticket may cause rates to rise to the point where it’s not affordable. Drivers who get careless tickets such as reckless driving or DUI may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to legally drive.
The information below demonstrates how citations and at-fault accidents impact Mercury Mariner auto insurance costs for each age group. The costs are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
- Five star safety rating saves money – Safer cars can get you lower premiums. Safe vehicles result in less severe injuries and reduced instances of injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Mercury has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
When to get professional advice
Always keep in mind that when comparing the best insurance coverage for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Your needs are unique to you so this has to be addressed. For example, these questions might point out whether your personal situation might need professional guidance.
- Am I covered when using my vehicle for business?
- Is my vehicle covered by my employer’s policy when using it for work?
- What can I do if my company won’t pay a claim?
- I have a DUI can I still get coverage?
- What is motorclub and do I need it?
- Does my car insurance cover rental cars?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.
Insurance agencies near you
A small number of people just prefer to sit down and talk to an agent and we recommend doing that Most agents can help you build your policy and give you someone to call. The biggest benefit of comparing insurance prices online is that you can find the best rates but still work with a licensed agent.
To make it easy to find an agent, after completing this form (opens in new window), the quote information is immediately sent to companies in Nashville that provide free Nashville auto insurance quotes to get your business. It simplifies rate comparisons since you won’t have to drive around because quoted prices will be sent instantly to you. If you wish to compare prices from a specific auto insurance provider, just jump over to their website and complete a quote there.
Picking an insurer needs to be determined by more than just a low price. These are some questions you should get answers to.
- How is replacement cost determined on your vehicle?
- Can they help ensure a fair claim settlement?
- Is the agent and/or agency licensed to do business in Tennessee?
- Which insurance company do they prefer to write with?
- How much experience to they have in personal lines coverages?
- Will you work with the agent or an assistant?
- Do the companies they represent have a solid financial rating?
- Is auto insurance their primary focus in Nashville?
Exclusive or Independent: There is a difference
If you are wanting to purchase auto insurance from a reliable insurance agent, it can be helpful to understand the different types of agents and how they are distinctly different. Auto insurance policy providers are classified as either independent (non-exclusive) or exclusive. Both types can provide auto insurance policies, but it’s important to know how they differ since it may influence your agent selection.
Exclusive Auto Insurance Agents
Agents that choose to be exclusive generally can only insure with one company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot provide other company’s prices so you need to shop around if the rates are high. Exclusive agencies are very knowledgeable on their company’s products and that allows them to sell at a higher price point.
Listed below are Nashville exclusive insurance agencies willing to provide comparison quotes.
Marvin Cook – State Farm Insurance Agent
308 Donelson Pike – Nashville, TN 37214 – (615) 391-4966 – View Map
Cheryl Crewse – State Farm Insurance Agent
15582 Old Hickory Blvd – Nashville, TN 37211 – (615) 831-1800 – View Map
Ray Watts – State Farm Insurance Agent
4703 Gallatin Pike – Nashville, TN 37216 – (615) 228-1338 – View Map
Independent Agents (or Brokers)
Agents of this type can sell policies from many different companies so they can quote policies amongst many companies and find you cheaper rates. If prices rise, an independent agent can move your coverage and you can keep the same agent. When comparing auto insurance rates, you need to get several quotes from several independent insurance agents so that you can do a thorough price comparison.
Shown below are independent agencies in Nashville that can give you comparison quotes.
Manning Agency
104 Woodmont Blvd – Nashville, TN 37205 – (615) 383-6700 – View Map
HQ Insurance, Inc.
2451 Atrium Way – Nashville, TN 37214 – (615) 884-3535 – View Map
Robins Insurance Agency, Inc.
30 Burton Hills Blvd #300 – Nashville, TN 37215 – (615) 665-9200 – View Map
Once you have reasonable responses to these questions and locked in a price quote, you may have found an insurance agency that will provide auto insurance coverage.
Why do I need car insurance?
Even though it’s not necessarily cheap to insure a Mercury in Nashville, auto insurance is required for several reasons.
- Just about all states have minimum liability requirements which means you are required to carry specific limits of liability coverage if you don’t want to risk a ticket. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If your Mercury has a lienholder, almost all lenders will make it mandatory that you have insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender may insure your Mercury for a lot more money and require you to pay the higher premium.
- Auto insurance protects not only your Mercury Mariner but also your financial assets. It also can pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of carrying enough insurance are definitely more than the cost, particularly if you ever have a claim. An average driver in America is overpaying over $825 a year so you should quote your policy with other companies at every policy renewal to be sure current rates are still competitive.
Which car insurance company is best in Nashville?
Ending up with the highest-rated insurer is difficult considering how many different companies sell coverage in Tennessee. The ranking data shown next may help you choose which coverage providers you want to consider when shopping around.
Top 10 Nashville Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Don’t give up on cheap premiums
When getting Nashville auto insurance quotes online, you should never skimp on critical coverages to save a buck or two. In many instances, someone sacrificed liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at the lowest possible cost, but do not skimp to save money.
The cheapest Mercury Mariner insurance in Nashville is possible from both online companies as well as from independent agents in Nashville, and you need to comparison shop both to have the best selection. There are still a few companies who may not offer online quoting and many times these regional carriers prefer to sell through local independent agents.
To learn more, take a look at these articles:
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Single Moms in Nashville? (FAQ)
- Who Has Affordable Auto Insurance Rates After a Speeding Ticket in Nashville? (FAQ)
- Who Has Affordable Auto Insurance for a Subaru Outback in Nashville? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Ride Shares in Nashville? (FAQ)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Speed and Speed Limit FAQ (iihs.org)
- Can I Drive Legally without Insurance? (Insurance Information Institute)