Smart shoppers know that auto insurance companies don’t want policyholders to compare prices from other companies. Insureds who rate shop once a year are very likely to switch companies because they have good chances of finding a policy with more affordable rates. A recent survey revealed that consumers who make a habit of shopping around saved as much as $3,450 over four years compared to other drivers who never shopped for cheaper rates.
If saving the most money on car insurance in Chula Vista is your intention, understanding the best ways to find and compare auto insurance can make the process less intimidating.
If your goal is the lowest price, then the best way to find more affordable Mercury Marauder insurance is to make a habit of regularly comparing prices from companies who provide car insurance in Chula Vista.
- First, gain an understanding of the different coverages in a policy and the changes you can make to keep rates down. Many risk factors that result in higher prices such as traffic citations, accidents, and a negative credit rating can be eliminated by making minor driving habit or lifestyle changes.
- Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like GEICO and Allstate, while independent agencies can provide prices from multiple companies.
- Third, compare the new rate quotes to your current policy and determine if there is any savings. If you find a better price and make a switch, verify that coverage does not lapse between policies.
An important bit of advice to remember is to try to use identical limits and deductibles on each quote and to quote with as many different companies as possible. This helps ensure the most accurate price comparison and the best price selection.
If you already have coverage or just want cheaper coverage, you will benefit by learning to shop for the lowest rates while maintaining coverages. Pricing the most affordable auto insurance coverage in Chula Vista is not that difficult. Smart shoppers just have to use how to shop for auto insurance from many companies at once.
Companies offering Mercury Marauder insurance in Chula Vista
The auto insurance companies shown below can provide free quotes in California. If multiple companies are listed, it’s highly recommended you get rates from several of them to get the best price comparison.
Do you qualify for discounts?
Car insurance is expensive, but you might already qualify for some discounts to cut the cost considerably. Certain discounts will be applied at the time of purchase, but some need to be inquired about before they will apply. If you aren’t receiving every discount available, you are paying more than you should be.
- Student Driver Training – Have your child complete a driver education course in school.
- Organization Discounts – Belonging to qualifying clubs or civic groups can get you a small discount when getting a Chula Vista auto insurance quote.
- Discounts for Federal Employees – Active or retired federal employment could cut as much as 10% off but check with your company.
- Early Signing – Select car insurance companies give a discount for switching policies early. The savings is around 10%.
- Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% on medical payment and PIP coverage.
Consumers should know that most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, it’s just not the way it works. But all discounts will definitely reduce your overall bill.
Auto insurance companies that may offer some of the above discounts include:
Before you buy a policy, ask each company or agent which discounts they offer. Some discounts listed above might not be available to policyholders in your area. To choose companies who offer car insurance discounts in Chula Vista, follow this link.
How Insurance Companies Determine Mercury Marauder Insurance Prices
Many things are part of the calculation when quoting car insurance. Some factors are common sense like your driving record, although others are less apparent like your vehicle usage or your vehicle rating. When buying auto insurance it’s important to understand a few of the rating criteria that go into determining auto insurance rates. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could result in cheaper rates.
High credit history translates to low costs – An insured’s credit history is a large factor in determining your rates. Drivers who have very high credit ratings tend to be less risk to insure than drivers with worse credit. So if your credit is lower than you’d like, you could pay less to insure your Mercury Marauder by improving your credit score.
Gender as a rate factor – The statistics show that females tend to be a little less risky than males. This data doesn’t prove that males are worse at driving than females. They both cause at-fault accidents in similar numbers, but men have costlier accidents. In addition to higher claims, males also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
Tickets increase prices – Your driving record has a lot to do with how much you pay for insurance. Having a single moving violation may cause rates to rise to the point where it’s not affordable. Good drivers get better prices than bad drivers. Drivers unfortunate enough to have dangerous violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
Don’t let your auto insurance policy lapse – Allowing your coverage to lapse is a fast way to pay more for auto insurance. And not only will insurance be more expensive, being ticketed for driving with no insurance could earn you a hefty fine and possibly a revoked license. Then you may be required to prove you have insurance by filing a SR-22 with the California DMV.
Single vs. married – Walking down the aisle may earn you lower rates on your auto insurance bill. Having a spouse is viewed as being more mature and responsible it has been statistically shown that being married results in fewer claims.
Safer vehicles are cheaper to insure – Cars with five star safety ratings tend to have better insurance rates. The safest vehicles reduce the chance of injuries and fewer injuries means your insurance company pays less which can mean better rates for you.
Cheaper rates by consolidating – The majority of companies apply better rates to customers who carry more than one policy in the form of a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even if you qualify for this discount already, it’s in your best interest to shop around to help guarantee you have the best rates.There is a good possibility that you can find a better deal by insuring with multiple companies.
Local insurance agents
A small number of people would rather buy from a licensed agent and we recommend doing that Most agents can point out coverage gaps and help submit paperwork. The best thing about price shopping on the web is you can get cheap insurance rates and still have an agent to talk to.
Once you complete this form (opens in new window), the coverage information is immediately sent to companies in Chula Vista that provide free Chula Vista auto insurance quotes for your insurance coverage. You don’t have to find an agent on your own since price quotes are sent to you directly. If you want to quote rates from a specific company, just jump over to their website and submit a quote form there.
Choosing the best company requires more thought than just a low price. Below are some questions you should ask.
- What are the financial ratings for the companies they represent?
- How long has their agency been in business in Chula Vista?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they offer accident forgiveness?
- Which company do they place the most coverage with?
- When do they do a full risk review?
If you’re trying to find a local agent, there are a couple of different types of agents and how they are distinctly different. Insurance agents are considered either independent or exclusive. Both can properly insure your vehicles, but it’s worth mentioning the differences since it can impact the type of agent you choose.
Exclusive Insurance Agents
Agents in the exclusive channel can only provide one company’s prices such as State Farm, Allstate, or Farmers Insurance. These agents are not able to compare rates from other companies so keep that in mind. Exclusive agencies are highly trained in insurance sales and that allows them to sell at a higher price point. Consumers sometimes choose to use a exclusive agent partially due to the prominence of the brand and the convenience of having all coverages with one company.
Listed below is a short list of exclusive insurance agencies in Chula Vista who may provide you with comparison quotes.
- Farmers Insurance – Walter Harrison
680 Telegraph Canyon Rd #102 – Chula Vista, CA 91910 – (619) 585-3326 – View Map - Joaquin Alvarez – State Farm Insurance Agent
240 F St – Chula Vista, CA 91910 – (619) 425-1216 – View Map - State Farm: Cynthia Stojeba
46 3rd Ave B – Chula Vista, CA 91910 – (619) 425-1403 – View Map
Independent Insurance Agencies
Independent insurance agents are not employed by any specific company and that gives them the ability to insure with an assortment of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the business is moved internally and you don’t have to do anything. When comparing rates, it’s a good idea to compare prices from independent agents to get the most accurate price comparison. Many independent agencies also insure through smaller mutual companies that may have much lower rates than larger companies.
Shown below is a list of independent agents in Chula Vista that can give you price quote information.
- Penagos Insurance
1680 Broadway – Chula Vista, CA 91911 – (619) 691-1071 – View Map - L A Insurance
202 Broadway – Chula Vista, CA 91910 – (619) 476-1800 – View Map - American Tri-Star Insurance Services
401 H St #10 – Chula Vista, CA 91910 – (619) 827-0522 – View Map
You can find cheaper coverage
People change insurance companies for many reasons like delays in paying claims, being labeled a high risk driver, an unsatisfactory settlement offer or even delays in responding to claim requests. Regardless of your reason, finding a new company can be easy and end up saving you some money.
In this article, we presented a lot of techniques to lower your Mercury Marauder insurance auto insurance rates in Chula Vista. The most important thing to understand is the more times you quote, the better chance you’ll have of finding the cheapest Mercury Marauder rate quotes. You may even be surprised to find that the lowest priced car insurance comes from a smaller regional carrier.
Some insurance providers may not have online quoting and usually these small, regional companies work with independent agents. Cost effective Mercury Marauder insurance can be found from both online companies and with local Chula Vista insurance agents, and you should compare rates from both to get a complete price analysis.
Additional information can be read at the links below
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance Quotes for a Toyota Highlander in Chula Vista? (FAQ)
- Who Has the Cheapest Car Insurance for Drivers Under 21 in Chula Vista? (FAQ)
- Choosing an Insurance Company (Insurance Information Institute)
- Older Driver Statistics (Insurance Information Institute)