If you’re searching for cheaper insurance online, do you get confused by the wide range of auto insurance companies in your area? You’re not alone. You have so many companies to choose from that it can really be a real challenge to find the perfect company for you. If you’ve ever been there, you know that Aurora is an awesome place to live, but paying high auto insurance rates can make it nearly impossible for many drivers to pay for enough auto insurance coverage.
It’s a known fact that insurance companies don’t want their policyholders to compare prices. People who shop for lower prices are likely to switch to a new company because there are good odds of finding a lower rate. Surprisingly, a recent survey revealed that people who regularly shopped around saved as much as $70 a month compared to other drivers who don’t make a habit of comparing rates.
If finding budget-friendly car insurance is the reason you’re reading this, then having some insight into the best ways to shop for insurance coverage can make the process less intimidating.
The best way we recommend to compare rate quotes for Mercury Mariner insurance in Aurora is to know the trick most of the bigger providers participate in online systems to provide you with a free rate quote. To get started, all you need to do is take a few minutes to give details such as if you require a SR-22, what you do for a living, types of safety features, and if you’re married. Your insurance information is instantly sent to all major companies and you should receive rate quotes very quickly.
To compare multiple company cheap Mercury Mariner insurance rates now, click here and find out if you can get cheaper insurance in Aurora.
The car insurance companies shown below provide price comparisons in Colorado. If you wish to find cheap auto insurance in Aurora, CO, we suggest you get rate quotes from several of them in order to get a fair rate comparison.
Don’t overlook these Mercury Mariner insurance discounts
The price of auto insurance can be rather high, but there may be some discounts that may help make it more affordable. Some discounts will apply when you complete an application, but a few need to be manually applied prior to receiving the credit. If you’re not getting every credit available, you are throwing money away.
- E-sign Discounts – A few larger online companies give back up to $50 for buying your policy online.
- Anti-theft Discount – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
- Passive Restraints and Air Bags – Vehicles equipped with air bags could see savings of up to 25% or more.
- Good Grades Discount – Being a good student may save you up to 25%. The good student discount can last well after school through age 25.
- Seat Belt Usage – Drivers who require all occupants to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
- Defensive Driver Discounts – Taking part in a safe driver course may get you a small discount and also improve your driving technique.
- One Accident Forgiven – Not really a discount, but some insurance companies will forgive one accident before they charge you more for coverage so long as you haven’t had any claims for a specific time period.
- Military Rewards – Having a family member in the military may lower your premium rates slightly.
- Federal Government Employee – Active or former government employment could cut as much as 10% off with select insurance companies.
- Onboard Data Collection – Policyholders that allow their company to look at their driving habits by using a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they are good drivers.
You can save money using discounts, but most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way.
The example below visualizes the comparison of Mercury Mariner annual premium costs with and without discounts. The information is based on a male driver, no driving violations, no at-fault accidents, Colorado 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 safe-driver, multi-policy, claim-free, marriage, homeowner, and multi-car discounts applied.
To find insurance companies that provide some of the discounts listed above in Aurora, click here.
Car insurance statistics and figures
The premium information displayed below showcases different coverage costs for Mercury Mariner models. Having a good grasp of how auto insurance premiums are figured can help customers make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $260 | $424 | $388 | $22 | $116 | $1,210 | $101 |
| Mariner Premier 2WD | $260 | $516 | $388 | $22 | $116 | $1,302 | $109 |
| Mariner AWD | $260 | $516 | $388 | $22 | $116 | $1,302 | $109 |
| Mariner Hybrid 2WD | $260 | $608 | $456 | $28 | $136 | $1,488 | $124 |
| Mariner Premier AWD | $294 | $516 | $388 | $22 | $116 | $1,336 | $111 |
| Mariner Hybrid AWD | $294 | $608 | $456 | $28 | $136 | $1,522 | $127 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate information does not factor in specific zip code location which can impact prices greatly.
Can higher deductibles save money?
When shopping for car insurance, a common question is what deductibles to buy. The premium rates below lay out the differences in price when you buy lower versus higher policy deductibles. The first rate quote example uses a $250 deductible for physical damage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $272 | $376 | $298 | $18 | $90 | $1,079 | $90 |
| Mariner Premier 2WD | $272 | $458 | $298 | $18 | $90 | $1,161 | $97 |
| Mariner AWD | $272 | $458 | $298 | $18 | $90 | $1,161 | $97 |
| Mariner Hybrid 2WD | $272 | $538 | $352 | $20 | $106 | $1,313 | $109 |
| Mariner Premier AWD | $306 | $458 | $298 | $18 | $90 | $1,195 | $100 |
| Mariner Hybrid AWD | $306 | $538 | $352 | $20 | $106 | $1,347 | $112 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $168 | $236 | $298 | $18 | $90 | $810 | $68 |
| Mariner Premier 2WD | $168 | $288 | $298 | $18 | $90 | $862 | $72 |
| Mariner AWD | $168 | $288 | $298 | $18 | $90 | $862 | $72 |
| Mariner Hybrid 2WD | $168 | $340 | $352 | $20 | $106 | $986 | $82 |
| Mariner Premier AWD | $190 | $288 | $298 | $18 | $90 | $884 | $74 |
| Mariner Hybrid AWD | $190 | $340 | $352 | $20 | $106 | $1,008 | $84 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price information does not factor in vehicle location which can revise premium rates substantially.
Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $26 more each month or $312 every year than selecting the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 29 months between claim filings, you would probably be better off if you opt for a higher deductible. The table below shows the way this determination is made.
| Average monthly premium for $250 deductibles: | $101 |
| Average monthly premium for $1,000 deductibles (subtract): | – $75 |
| Monthly savings from raising deductible: | $26 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $26 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 29 months |
An important sidenote is that increasing deductibles to lower your rates results in more money out-of-pocket when you do file a claim. That will force you to have some funds available in the event you need to pay the deductible.
The information below illustrates how your choice of deductibles and can influence Mercury Mariner insurance premiums for different ages of insureds. The data assumes a married female driver, full coverage, and no other discounts are factored in.
Premiums by gender and age
The chart below illustrates the difference between Mercury Mariner car insurance costs for male and female drivers. The price estimates are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
Cost difference between full coverage and liability
The chart below visualizes the comparison of Mercury Mariner insurance rates with full coverage compared to only the Colorado minimum liability coverage. The price estimates are based on a clean driving record, no claims, $100 deductibles, single marital status, and no discounts are factored in.
Should you buy full coverage or liability only?
There is no definitive guideline of when to stop paying for comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s pretend your Mercury Mariner replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $2,000 after the policy deductible has been paid. If you are paying more than $200 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where removing full coverage is not financially feasible. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Local Aurora auto insurance agents
Some people prefer to visit with an insurance agent and that can be a great decision The best thing about comparing rates online is you can get lower rates but still work with a licensed agent. Putting coverage with local agents is definitely important in Aurora.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information is sent to companies in Aurora who want to provide quotes to get your business. It makes it easy because there is no need to find an agent on your own due to the fact that quote results will go straight to your inbox. You can get cheaper auto insurance rates AND an agent nearby. If you wish to get a comparison quote from a specific insurance company, don’t hesitate to jump over to their website and submit a quote form there.
Types of car insurance agents in Aurora
If you prefer to buy auto insurance from a reputable insurance agent or broker, it helps to know the two different agency structures and how they differ in how they quote coverages. Agents are classified as either independent or exclusive.
Independent Agents
Agents of this type are not locked into one company so they have the ability to put coverage with many different companies and find the cheapest rate. If they quote lower rates, they simply move the coverage in-house and the insured can keep the same agent. If you need cheaper auto insurance rates, it’s recommended you get quotes from at a minimum one independent agency in order to have the best price comparison. Most independent agents also contract with smaller mutual companies which may have better rates.
Featured below is a list of independent agencies in Aurora that may be able to provide free price quotes.
- L.A. Insurance Agency
9601 E Colfax Ave – Aurora, CO 80010 – (303) 577-2400 – View Map - A All City Auto Insurance
9720 E Colfax Ave – Aurora, CO 80010 – (303) 364-0555 – View Map - A Complete Auto Insurance Agency
543 Sable Blvd – Aurora, CO 80011 – (303) 650-0060 – View Map
Exclusive Auto Insurance Agencies
Exclusive agents write business for a single company like Farmers Insurance, State Farm, or Allstate. They generally cannot place coverage with different providers so they have to upsell other benefits. They are usually well trained on their company’s products and that allows them to sell at a higher price point. Drivers often use the same exclusive agent mainly due to loyalty to the company rather than low rates.
Below is a list of exclusive agencies in Aurora who can help you get comparison quotes.
- Allstate Insurance: Jeff Heinrich
5001 S Parker Rd – Aurora, CO 80015 – (303) 773-2019 – View Map - Allstate Insurance: Mario J Morales
14241 E 4th Ave #305 – Aurora, CO 80011 – (303) 366-6800 – View Map - John Baer – State Farm Insurance Agent
6155 S Main St #240 – Aurora, CO 80016 – (303) 680-7777 – View Map
Finding the right insurance agent is decision based upon more than just a cheap price. Here are some questions you should ask.
- Does the agent have a valid license to sell insurance in Colorado?
- Do they have cheaper tiers of coverage?
- Do the companies they represent have a solid financial rating?
- Did they already check your driving record and credit reports?
- Do they see any coverage gaps in your plan?
- What is the agency’s Better Business Bureau rating?
- Do they offer rental car reimbursement?
- Are they able to provide referrals?
When in doubt talk to an agent
When choosing coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different.
Here are some questions about coverages that may help highlight whether your personal situation would benefit from professional advice.
- Do I need roadside assistance coverage?
- Am I covered when using my vehicle for business?
- Is extra glass coverage worth it?
- Am I covered if I wreck a rental car?
- Should I sign the liability waiver when renting a car?
- Are there any extra discounts I can get?
- If I drive on a suspended license am I covered?
- Do I benefit by insuring my home with the same company?
- How can I get my company to pay me more for my totaled car?
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form.
Components of Your Mercury Mariner Insurance Prices
When buying car insurance it’s important to understand the different types of things that come into play when calculating your policy premiums. If you know what determines premiums, this allows you to make educated decisions that can earn you lower premium levels.
Your career may increase premiums – Do you work in a high-stress field? Occupations such as fire fighters, airline pilots, and accountants tend to have the highest average rates because of job stress and lots of time spent at work. On the flip side, occupations like actors, historians and homemakers get better rates.
Vehicles with better crash test results save money – Vehicles with good safety scores tend to have lower insurance rates. These vehicles help reduce the chance of injuries in an accident and fewer injuries translates directly to fewer claims and cheaper rates on your policy. If your Mercury Mariner earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
Put fewer miles on your vehicle – The more you drive in a year’s time the more you will pay for car insurance. A lot of insurance companies charge rates based upon how you use the vehicle. Cars and trucks that sit idle most of the time get more affordable rates than vehicles that have high annual mileage. An improperly rated Mariner is just wasting money. Make sure your car insurance policy correctly shows the correct usage.
Protect yourself with liability coverage – Your car insurance policy’s liability coverage kicks in when a jury decides you are liable for personal injury or accident damage. It will provide legal defense to defend your case. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
Costs impacted by your city – Residing in less populated areas of the country has it’s advantages if you are looking for the lowest rates. Drivers who live in large cities regularly have congested traffic and a longer drive to work. Less people living in that area corresponds to lower accident rates and a lower car theft rate.
No coverage gaps is important – Driving your car without having proper coverage can get you a ticket and your next policy will cost more because you let your insurance lapse. Not only will you pay more, being ticketed for driving with no insurance could result in fines and jail time.
Raise deductibles and save – Physical damage protection, aka comp and collision, covers damage that occurs to your Mercury. Some coverage claims would be a dented fender, hitting a deer, and damage caused by flying debris. Your deductibles define how much you are willing to pay if a claim is determined to be covered. The more expense you have to pay, the less your company will charge you for insurance.
Insurance is not optional
Despite the fact that insurance is not cheap in Aurora, insurance may be required and benefits you in several ways.
- Almost all states have mandatory insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance in order to license the vehicle. In Colorado 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 Mariner has a loan, it’s most likely the lender will make it a condition of the loan that you have comprehensive coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the bank will be required to insure your Mercury at a much higher premium rate and force you to pay for the much more expensive policy.
- Insurance preserves your Mercury Mariner and your assets. It will also reimburse you for medical transport and hospital expenses that are the result of an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If you have damage to your Mercury as the result of the weather or an accident, collision and comprehensive coverages will cover the repair costs.
The benefits of having insurance greatly outweigh the cost, especially when you need to use it. Unknowingly, the average driver overpays as much as $850 per year so it’s recommended you shop around at every policy renewal to make sure the price is not too high.
Persistent drivers can save
When you buy Aurora auto insurance online, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, an insured cut full coverage and found out when filing a claim that they should have had better coverage. The aim is to find the BEST coverage at an affordable rate and still be able to protect your assets.
You just learned a lot of information how to lower your Mercury Mariner insurance rates in Aurora. The key thing to remember is the more times you quote, the better chance you’ll have of finding cheaper Aurora auto insurance quotes. You may even be surprised to find that the biggest savings come from the least-expected company.
Discount Mercury Mariner insurance in Aurora can be found from both online companies and also from your neighborhood Aurora agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and usually these regional carriers sell through independent agencies.
How to save money on Mercury Mariner insurance in Aurora
The most effective way to find more affordable Mercury Mariner insurance is to start doing a yearly price comparison from providers in Aurora. Drivers can shop around by following these steps.
- Try to learn a little about how insurance works and the factors you can control to prevent expensive coverage. Many rating criteria that increase rates such as distracted driving and an imperfect credit rating can be rectified by making minor changes in your lifestyle.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from a single company like Progressive or Allstate, while independent agencies can give you price quotes from multiple companies.
- Compare the quotes to the premium of your current policy to see if you can save by switching companies. If you find better rates and buy the policy, make sure coverage is continuous and does not lapse.
- Notify your current company to cancel your current coverage. Submit a down payment and signed policy application for your new coverage. Once the application is submitted, store the certificate of insurance in your vehicle’s glove compartment or console.
A valuable tip to remember is that you’ll want to make sure you compare the same liability limits and deductibles on every quote request and and to get price quotes from as many different companies as possible. Doing this guarantees the most accurate price comparison and maximum price selection.
More detailed auto insurance information is located in the articles below:
- Understanding Limits and Deductibles (Allstate)
- Who Has Cheap Aurora Auto Insurance Rates for Welfare Recipients? (FAQ)
- How Much is Car Insurance for a Company Car in Aurora? (FAQ)
- Who Has Affordable Aurora Auto Insurance for Teenagers? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Single Moms in Aurora? (FAQ)
- Who Has Cheap Car Insurance for Active Military in Aurora? (FAQ)
- Winter Driving (Insurance Information Institute)
- Alcohol Impaired Driving FAQ (iihs.org)
- What Does No-Fault Insurance Cover? (Allstate)
- Your Car has been Stolen: Now What? (Allstate)