Car Insurance Quotes for a Mercury Mariner in Chula Vista

If saving the most money is your goal, then the best way to find low-cost prices for Mercury Mariner insurance is to start comparing prices regularly from different companies that sell auto insurance in Chula Vista.

  1. Try to learn about how companies price auto insurance and the modifications you can make to prevent expensive coverage. Many rating factors that cause rate increases like traffic citations and a negative credit rating can be remedied by paying attention to minor details.
  2. Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive or State Farm, while independent agents can provide rate quotes from multiple companies.
  3. Compare the new rates to the price on your current policy and determine if cheaper Mariner coverage is available. If you can save some money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Provide notification to your current agent or company of your decision to cancel your current auto insurance policy. Submit the required down payment along with the signed application to the new company. Don’t forget to put the new proof of insurance paperwork with your registration paperwork.

The key thing to remember is to make sure you enter similar coverage information on each quote request and and to get rates from as many different insurance providers as possible. Doing this guarantees an apples-to-apples comparison and a good representation of prices.

Insurance for Mercury MarinerIt’s an obvious conclusion that car insurance companies want to keep you from shopping around. People who do rate comparisons are very likely to buy a different policy because there is a great chance of finding a more affordable policy. Surprisingly, a recent survey revealed that people who compared prices regularly saved approximately $850 each year compared to policyholders who didn’t regularly shop around.

If finding discount rates on Mercury Mariner insurance in Chula Vista is why you’re here, then learning about the best way to quote and compare insurance can make shopping around easier.

Locating the best rates in Chula Vista is really quite simple as long as you have a good starting point. If you’re already insured, you will be able to lower your rates using these tips. But California vehicle owners must know how insurance companies calculate their prices and apply this information to your search.

How Insurance Providers Determine Mercury Mariner Insurance Costs

An important part of buying insurance is that you know the different types of things that aid in calculating your policy premiums. If you know what impacts premium levels, this allows you to make good choices that can earn you lower premium levels.

Listed below are some of the most rate-impacting factors car insurance companies consider when setting your rates.

The quickest way to compare car insurance company rates for Mercury Mariner insurance in Chula Vista is to take advantage of the fact almost all companies allow for online access to give rate comparisons. To get started, all you need to do is give them rating details like deductibles desired, if you went to college, what your job is, and whether you are married. That information is instantly provided to insurance carriers in your area and you should receive rate quotes almost instantly.

To find lower cheaper Mercury Mariner insurance rates now, click here and find out if you can get cheaper insurance in Chula Vista.

The companies in the list below are our best choices to provide free quotes in Chula Vista, CA. If you want the best car insurance in Chula Vista, it’s highly recommended you visit several of them in order to get a fair rate comparison.

Coverage information

The information displayed below highlights estimates of insurance premium costs for Mercury Mariner models. Learning a little about how auto insurance premiums are established can be valuable when making smart choices when selecting a coverage provider.

Mercury Mariner Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $328 $534 $488 $28 $146 $1,524 $127
Mariner Premier 2WD $328 $650 $488 $28 $146 $1,640 $137
Mariner AWD $328 $650 $488 $28 $146 $1,640 $137
Mariner Hybrid 2WD $328 $766 $574 $34 $172 $1,874 $156
Mariner Premier AWD $370 $650 $488 $28 $146 $1,682 $140
Mariner Hybrid AWD $370 $766 $574 $34 $172 $1,916 $160
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rates do not factor in vehicle location which can affect price quotes greatly.

Deductible analysis

The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The comparison tables below show how much more you’ll pay between high and low comp and collision deductibles. The first price estimate table uses a $250 deductible for physical damage and the second price table uses a $500 deductible.

Mercury Mariner insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $342 $472 $376 $22 $112 $1,349 $112
Mariner Premier 2WD $342 $576 $376 $22 $112 $1,453 $121
Mariner AWD $342 $576 $376 $22 $112 $1,453 $121
Mariner Hybrid 2WD $342 $678 $442 $26 $132 $1,645 $137
Mariner Premier AWD $386 $576 $376 $22 $112 $1,497 $125
Mariner Hybrid AWD $386 $678 $442 $26 $132 $1,689 $141
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Mercury Mariner insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mariner 2WD $278 $382 $376 $22 $112 $1,170 $98
Mariner Premier 2WD $278 $464 $376 $22 $112 $1,252 $104
Mariner AWD $278 $464 $376 $22 $112 $1,252 $104
Mariner Hybrid 2WD $278 $546 $442 $26 $132 $1,424 $119
Mariner Premier AWD $314 $464 $376 $22 $112 $1,288 $107
Mariner Hybrid AWD $314 $546 $442 $26 $132 $1,460 $122
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Estimates do not factor in vehicle location which can raise or lower price quotes significantly.

Based on this data, using a $250 deductible costs approximately $17 more each month or $204 annually than requesting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 15 months between claims, you would most likely save money by going with a higher deductible. The illustration below shows how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $126
Average monthly premium for $500 deductibles (subtract): – $109
Monthly savings from raising deductible: $17
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

An important sidenote is that raising deductibles results in having to pay to pay more out-of-pocket at claim time. That will require a higher level of savings in the event you need to pay the deductible for vehicle repair.

The diagram below illustrates how choosing a deductible and can affect Mercury Mariner premium costs for different categories of driver ages. The data assumes a married female driver, full physical damage coverage, and no discounts are factored in.

Cost comparison with and without full coverage

The diagram below illustrates the difference between Mercury Mariner premium costs when comparing full coverage to liability only. The data is based on no claims or driving citations, $250 deductibles, single status, and no discounts are applied.

When to drop comprehensive and collision coverage

There isn’t a written rule to stop paying for physical damage coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s say your Mercury Mariner replacement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $4,000 after the policy deductible has been paid. If you are paying over $400 a year to have full coverage, then you might want to think about dropping full coverage.

There are some situations where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Why car insurance is not optional

Even though Chula Vista Mariner insurance rates can get expensive, maintaining insurance is required in California but also provides important benefits.

The benefits of buying enough insurance definitely exceed the cost, particularly if you ever have a claim. The average driver in America overpays more than $869 every year so you should quote your policy with other companies each time the policy renews to make sure the price is not too high.

Companies offer money-saving discounts on Mercury Mariner insurance in Chula Vista

Auto insurance is easily one of your largest bills, but you might find some hidden discounts that could drop your premiums quite a bit. Certain credits will be shown at quote time, but a few must be specifically requested prior to receiving the credit.Cheaper auto insurance with discounts

Consumers should know that most discounts do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, it’s just not the way it works.

The information below illustrates the difference between Mercury Mariner car insurance rates with and without discounts being applied to the rates. The prices are based on a female driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, claim-free, homeowner, and marriage discounts applied.

A few companies who might offer some of the discounts shown above include:

If you need lower rates, check with every insurance company the best way to save money. Some credits may not apply to policies in your state.

Do I need an insurance agency?

Certain consumers prefer to sit down with an agent. An additional benefit of price shopping on the web is that you can find cheaper rates but still work with a licensed agent.

Insurance agents in Chula VistaAfter filling out this simple form, your information is instantly submitted to agents in your area who will give competitive quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies since rate quotes are delivered to the email address you provide. You can find the lowest rates without having to waste a lot of time. If you have a need to compare prices for a specific company, don’t hesitate to visit that company’s website and give them your coverage information.

Finding a good provider requires more thought than just the quoted price. Below are some questions you should ask.

If you want to use a good Chula Vista insurance agent, you must know there are a couple different types of agencies to choose from. Auto insurance agents in Chula Vista can be categorized as either independent agents or exclusive agents.

Exclusive Auto Insurance Agents

Agents that choose to be exclusive have only one company to place business with and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot shop your coverage around so they are skilled at selling on more than just price. These agents are trained well on the products they sell and that allows them to sell at a higher price point. Consumers frequently use the same agent primarily because of loyalty to the company and solid financial strength.

Listed below are exclusive agencies in Chula Vista that are able to give price quote information.

View more Chula Vista agents

Independent Agencies or Brokers

Agents in the independent channel are not required to write business for one company and that enables them to quote your coverage with any number of different companies and find the cheapest auto insurance rates. If prices rise, they simply switch companies in-house and you don’t have to find a new agent. When comparison shopping, you will definitely want to check rates from at a minimum one independent agency to maximize your price options. Most independent agents also contract with small regional insurance companies that can offer cheaper rates than bigger companies.

Listed below are independent insurance agencies in Chula Vista that are able to give rate quotes.

View more Chula Vista agents

Ratings for Chula Vista car insurance companies

Picking the top insurance provider can be difficult considering how many choices there are in Chula Vista. The ranking information shown below can help you pick which auto insurance companies to look at comparing prices from.

Best Car Insurance Companies in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Auto insurance savings summarized

We just presented a lot of techniques to shop for Mercury Mariner insurance online. The most important thing to understand is the more times you quote, the better your comparison will be. You may even be surprised to find that the lowest priced auto insurance comes from some of the lesser-known companies.

As you prepare to switch companies, do not buy less coverage just to save a little money. There are many occasions where drivers have reduced collision coverage only to discover later they didn’t have enough coverage. Your goal should be to purchase plenty of coverage for the lowest price, but do not skimp to save money.

Drivers who switch companies do it for many reasons like questionable increases in premium, lack of trust in their agent, denial of a claim and unfair underwriting practices. It doesn’t matter what your reason, finding a new company is actually quite simple.

Additional auto insurance information is located at the links below