Save Money on Mercury Mariner Insurance in Honolulu

It’s hard to believe, but a large majority of consumers have purchased from the same company for over three years, and just under half have never shopped around. Honolulu insurance shoppers could save as much as 40% every year by just comparing rate quotes, but most tend to underestimate the amount of savings they would get if they switched to a cheaper policy.

Insurance rates Mercury Mariner in HonoluluReally, the only way to get low-cost car insurance rates is to compare prices annually from insurance carriers in Honolulu. Drivers can shop around by following these steps.

A crucial key to this process is that you’ll want to make sure you compare identical coverages on every quote and and to get rates from every company you can. Doing this enables an accurate price comparison and the best price quote selection.

We hope to familiarize you with the best way to quote coverages. If you currently have car insurance, you should be able to get lower rates using the techniques presented in this article. Smart shoppers just need to learn the most efficient way to quote multiple rates from many companies at once.

Analysis of coverages

The information below covers a range of insurance prices for Mercury Mariner models. Being aware of how insurance prices are calculated can aid in making informed decisions when comparing rate quotes.


Mercury Mariner Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $204 $284 $226 $14 $68 $796 $66
Mariner Premier 2WD $204 $344 $226 $14 $68 $856 $71
Mariner AWD $204 $344 $226 $14 $68 $856 $71
Mariner Hybrid 2WD $204 $406 $264 $16 $80 $970 $81
Mariner Premier AWD $230 $344 $226 $14 $68 $882 $74
Mariner Hybrid AWD $230 $406 $264 $16 $80 $996 $83
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can change premiums noticeably.

Comparison of policy deductibles

One of the hardest decisions when shopping for car insurance is how high should the deductibles for physical damage be. The following insurance rates approximate how much more you’ll pay between high and low comp and collision deductibles. The first price estimate table uses a $250 physical damage deductible and the second pricing table uses a $500 deductible.


Mercury Mariner insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $204 $284 $226 $14 $68 $821 $68
Mariner Premier 2WD $204 $344 $226 $14 $68 $881 $73
Mariner AWD $204 $344 $226 $14 $68 $881 $73
Mariner Hybrid 2WD $204 $406 $264 $16 $80 $995 $83
Mariner Premier AWD $230 $344 $226 $14 $68 $907 $76
Mariner Hybrid AWD $230 $406 $264 $16 $80 $1,021 $85
Get Your Own Custom Quote Go

Mercury Mariner insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $166 $228 $226 $14 $68 $702 $59
Mariner Premier 2WD $166 $278 $226 $14 $68 $752 $63
Mariner AWD $166 $278 $226 $14 $68 $752 $63
Mariner Hybrid 2WD $166 $328 $264 $16 $80 $854 $71
Mariner Premier AWD $188 $278 $226 $14 $68 $774 $65
Mariner Hybrid AWD $188 $328 $264 $16 $80 $876 $73
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in vehicle location which can raise or lower insurance rates substantially.

We can estimate from the data above that using a $250 deductible will cost you approximately $10 more each month or $120 annually than selecting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at a minimum 25 months between claims, you would come out ahead if you opt for a higher deductible.

The example below shows how choosing a deductible and can impact Mercury Mariner insurance rates for different ages of insureds. Data assumes a married male driver, full physical damage coverage, and no other discounts are factored in.

Parts of your car insurance policy

Knowing the specifics of your policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Mercury Mariner.

Since a lot of drivers carry very low liability coverage limits (which is 20/40/10), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability

This coverage can cover damage that occurs to people or other property. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 20/40/10 which stand for $20,000 in coverage for each person’s injuries, a total of $40,000 of bodily injury coverage per accident, and property damage coverage for $10,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like emergency aid, repair bills for other people’s vehicles, court costs and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible. Hawaii state minimum liability requirements are 20/40/10 but you should think about purchasing more liability than the minimum.

The next chart shows why low liability limits may not be enough.

Comprehensive car insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, fire damage, hitting a bird, falling objects and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision insurance

Collision insurance covers damage to your Mariner resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a parking meter, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible on your Mariner to save money on collision insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for doctor visits, dental work, funeral costs and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Compare but don’t skimp

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many cases where someone dropped comprehensive coverage or liability limits and learned later that it was a big mistake. Your objective should be to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.

We just presented some good ideas how you can get a better price on Mercury Mariner insurance in Honolulu. It’s most important to understand that the more you quote Honolulu auto insurance, the better chance you’ll have of finding affordable Mercury Mariner insurance quotes. Consumers may even find the best price on car insurance is with a company that doesn’t do a lot of advertising.

Drivers leave their current company for a variety of reasons including an unsatisfactory settlement offer, delays in responding to claim requests, lack of trust in their agent and even being labeled a high risk driver. Regardless of your reason for switching companies, finding a great new company is not as difficult as it may seem.

More detailed car insurance information is located at these sites: