Cheap Insurance for a Mercury Mariner in Nashville

Discount Mercury Mariner insuranceThe 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.

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.

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:

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.

Mercury Mariner Insurance Rates in Nashville, TN
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.

Mercury Mariner insurance prices with $100 deductibles
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
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Mercury Mariner insurance prices with $500 deductibles
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.

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.

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.

Insurance agents in NashvilleTo 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.

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.

308 Donelson PikeNashville, TN 37214(615) 391-4966View Map

15582 Old Hickory BlvdNashville, TN 37211(615) 831-1800View Map

4703 Gallatin PikeNashville, TN 37216(615) 228-1338View Map

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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.

104 Woodmont BlvdNashville, TN 37205(615) 383-6700View Map

2451 Atrium WayNashville, TN 37214(615) 884-3535View Map

30 Burton Hills Blvd #300Nashville, TN 37215(615) 665-9200View Map

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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.

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

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. 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.

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