Trying to come up with a payment for overpriced insurance can sap your checking account and possibly require you to analyze your spending habits. Comparing cost estimates is an excellent way to tighten up your finances.
A recent insurance study discovered that the vast majority of insurance customers have bought insurance from the same company for well over three years, and nearly the majority have never even compared rates from other companies. Consumers in Texas can save about $1,766 each year, but most tend to underestimate how much they could save if they switch to a new company. With consumers having so many options for buying lower-cost insurance for a Mercury Mariner in Corpus Christi, it can be difficult for drivers to pick the best insurance company.
Locating the best rates in Corpus Christi is not that difficult. If you are insured now or are looking for a new policy, you will benefit by learning to save money and possibly find even better coverage. Drivers only need to know the least time-consuming way to buy car insurance from many different companies online.
Finding Mercury Mariner insurance in Corpus Christi, Texas
Many insurance companies provide price estimates direct online. Doing online quotes for Mercury Mariner insurance in Corpus Christi is fairly straightforward as you simply enter your required coverages as requested by the quote form. Once you submit the form, their system sends out for credit information and your driving record and returns a price based on these factors. Using the web to get rate quotes for Mercury Mariner insurance in Corpus Christi streamlines rate comparisons, and it’s also necessary to have as many quotes as possible if you want to get cheaper car insurance pricing.
In order to find out how much you can save on car insurance, compare quotes from the companies shown below. If you have coverage now, it’s recommended you input the limits and deductibles exactly as shown on your declarations page. This makes sure you are getting a price comparison for exact coverage.
The companies shown below offer price comparisons in Corpus Christi, TX. If multiple companies are listed, we recommend you get prices from several of them in order to get a fair rate comparison.
Save with these discounts
Not many people think insurance is cheap, but there are discounts available that you may not even be aware of. Some discounts will apply when you purchase, but once in a while a discount must be specially asked for in order for you to get them.
- Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
- Low Miles Discount – Driving fewer miles can earn slightly better prices than normal.
- Safe Driver Discount – Insureds who avoid accidents may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
- Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices help deter theft and therefore earn up to a 10% discount.
- Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents and the ABS can save up to 10%.
As a disclaimer on discounts, most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like comp or med pay. Even though the math looks like you would end up receiving a 100% discount, nobody gets a free ride.
The diagram below shows the difference between Mercury Mariner car insurance costs with and without policy discounts. Data assumes a male driver, no claims or driving citations, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, marriage, multi-policy, and homeowner discounts applied.
Large auto insurance companies and some of their more popular discounts are shown below.
- GEICO may have discounts that include anti-theft, daytime running lights, air bags, emergency military deployment, membership and employees, defensive driver, and federal employee.
- MetLife may include discounts for claim-free, multi-policy, good driver, good student, accident-free, defensive driver
- State Farm has discounts for multiple policy, accident-free, safe vehicle, driver’s education, and good driver.
- Progressive has savings for multi-policy, online signing, continuous coverage, good student, online quote discount, and homeowner.
- Mercury Insurance discounts include location of vehicle, low natural disaster claims, good driver, good student, age of vehicle, and ease of repair.
- 21st Century policyholders can earn discounts including teen driver, defensive driver, anti-lock brakes, 55 and older, air bags, and student driver.
- Allstate offers discounts for good student, multi-policy, EZ pay plan discount, auto/life discount, premier plus, resident student, and new car.
When getting free Corpus Christi auto insurance quotes, it’s a good idea to each company or agent what discounts are available to you. Discounts might not be available to policyholders in Corpus Christi.
Mercury Mariner coverage analysis
The data table shown next showcases estimates of coverage costs for Mercury Mariner models. Being more informed about how auto insurance premiums are calculated can benefit drivers when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $336 | $408 | $424 | $26 | $128 | $1,322 | $110 |
| Mariner Premier 2WD | $336 | $496 | $424 | $26 | $128 | $1,410 | $118 |
| Mariner AWD | $336 | $496 | $424 | $26 | $128 | $1,410 | $118 |
| Mariner Hybrid 2WD | $336 | $584 | $500 | $30 | $150 | $1,600 | $133 |
| Mariner Premier AWD | $378 | $496 | $424 | $26 | $128 | $1,452 | $121 |
| Mariner Hybrid AWD | $378 | $584 | $500 | $30 | $150 | $1,642 | $137 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in specific location information which can impact prices substantially.
Deductible analysis
One of the hardest decisions when shopping for insurance is at what level do you set your deductibles. The following insurance rates summarize the rate difference when you buy lower versus higher policy deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $328 | $486 | $324 | $20 | $96 | $1,279 | $107 |
| Mariner Premier 2WD | $328 | $592 | $324 | $20 | $96 | $1,385 | $115 |
| Mariner AWD | $328 | $592 | $324 | $20 | $96 | $1,385 | $115 |
| Mariner Hybrid 2WD | $328 | $698 | $382 | $22 | $114 | $1,569 | $131 |
| Mariner Premier AWD | $370 | $592 | $324 | $20 | $96 | $1,427 | $119 |
| Mariner Hybrid AWD | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $240 | $328 | $324 | $20 | $96 | $1,008 | $84 |
| Mariner Premier 2WD | $240 | $400 | $324 | $20 | $96 | $1,080 | $90 |
| Mariner AWD | $240 | $400 | $324 | $20 | $96 | $1,080 | $90 |
| Mariner Hybrid 2WD | $240 | $472 | $382 | $22 | $114 | $1,230 | $103 |
| Mariner Premier AWD | $270 | $400 | $324 | $20 | $96 | $1,110 | $93 |
| Mariner Hybrid AWD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in zip code location which can impact auto insurance rates noticeably.
Based on the above data, using a $100 deductible could cost the average driver approximately $26 more each month or $312 a year than opting for the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you have more than 15 months between claims, you would more than likely save some money by selecting a higher deductible.
Males versus Females
The example below illustrates the comparison of Mercury Mariner premium costs for male and female drivers. The premiums are based on no violations or accidents, full coverage, $100 deductibles, drivers are single, and no additional discounts are factored in.
Texas car insurance companies ranked
Choosing a highly-rated auto insurance company is difficult considering how many companies there are in Corpus Christi. The ranking data below may help you choose which providers you want to consider when shopping your coverage around.
Top 10 Corpus Christi Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Corpus Christi Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Why Your Insurance Premiums might be higher
Part of the insurance buying process is learning the rating factors that are used to determine the level of your policy premiums. If you know what determines premiums, this helps enable you to make changes that may result in much lower annual insurance costs.
Listed below are most of the major factors used by companies to determine rates.
Lower rates with GPS tracking and theft deterrents – Driving a car with an alarm system can earn a premium discount. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms can thwart car theft and help bring rates down.
Rural areas have lower premiums – Choosing to live in small towns and rural areas can save you money when talking about insurance. People who live in big cities have to deal with traffic congestion and a longer drive to work. Less people corresponds to lower accident rates and a lower car theft rate.
Gaps in coverage mean higher premiums – Having an insurance coverage lapse can be a sure-fire way to increase your renewal premiums. In addition to paying higher premiums, not being able to provide proof of insurance might get you a revoked license or a big fine. You could then be forced to submit proof of financial responsibility or a SR-22 with the Texas motor vehicle department to get your license reinstated.
Too many claims drive up rates – Auto insurance companies in Texas give lower rates to policyholders that do not abuse their auto insurance. If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is designed for larger claims.
How many coverages with the same company – Most major insurance companies will give a discount to clients that purchase more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to compare other Corpus Christi Mariner insurance rates to ensure the best deal.