Do you want an efficient way to compare the cheapest Mercury Mariner insurance in San Diego? Trying to find better insurance prices for a new or used Mercury Mariner in California can normally be a painful process, but you can learn a few tricks and make it easy.
There are both good and bad ways to find car insurance online and you need to know the proper way to get price quotes for a new or used Mercury and locate the lowest price either online or from San Diego insurance agents.
Smart consumers take time to check car insurance prices before your next renewal because insurance prices change regularly. Even if you got the lowest price on Mercury Mariner insurance in San Diego on your last policy you may be paying too much now. Don’t believe everything you read about Mariner insurance on the web, but in a few minutes you can learn some proven techniques to lower your car insurance rates in San Diego.
Lowering your Mercury Mariner auto insurance rates doesn’t have to be difficult. The only requirement is to spend a few minutes to compare rates to see which company has the cheapest Mercury Mariner rate quotes.
The companies shown below can provide comparison quotes in California. If multiple providers are shown, we recommend you visit as many as you can in order to find the most competitive rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $294 | $464 | $424 | $26 | $128 | $1,336 | $111 |
| Mariner Premier 2WD | $292 | $570 | $354 | $20 | $106 | $1,342 | $112 |
| Mariner AWD | $332 | $564 | $384 | $22 | $114 | $1,416 | $118 |
| Mariner Hybrid 2WD | $366 | $914 | $574 | $34 | $172 | $2,060 | $172 |
| Mariner Premier AWD | $412 | $776 | $488 | $28 | $146 | $1,850 | $154 |
| Mariner Hybrid AWD | $476 | $996 | $596 | $36 | $178 | $2,282 | $190 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can impact auto insurance rates noticeably.
Physical damage deductibles
The example below illustrates how choosing a deductible and can affect Mercury Mariner insurance rates for different insured age categories. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
Earn discounts on San Diego auto insurance
Some insurance providers don’t always publicize every discount in a way that’s easy to find, so the list below gives a summary of some of the best known and the harder-to-find credits available to lower your premiums when you buy San Diego car insurance online. If you don’t get every credit you deserve, you are not getting the best rate possible.
- Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
- Good Student – Maintaining excellent grades can save 20 to 25%. The discount lasts well after school through age 25.
- Buy New and Save – Insuring a new Mariner can save you some money because new model year vehicles keep occupants safer.
- Paper-free Discount – A handful of auto insurance companies will discount your bill up to fifty bucks for signing up digitally online.
- Multi-Vehicle Discounts – Buying a policy with multiple vehicles on a single policy qualifies for this discount.
- Bundled Policy Discount – If you combine your auto and homeowners policies with one insurance company you could get a discount of over 10 percent off each policy depending on the company.
- Life Insurance Discount – If the company offers life insurance, you could get a lower premium rate if you buy auto and life insurance together.
- Federal Employees – Simply working for the federal government could qualify for a slight premium decrease but check with your company.
- Early Renewal Discounts – A few insurance companies offer discounts for signing up prior to the expiration date on your current Mariner insurance policy. You may see this discount when you get San Diego car insurance quotes online.
- San Diego Homeowners Pay Less – Owning a house in San Diego may trigger a policy discount on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
Consumers should know that many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Even though it appears having all the discounts means you get insurance for free, you won’t be that lucky. Any qualifying discounts should definitely cut your policy premiums.
A partial list of companies who might offer these benefits include:
Double check with each company or agent what discounts are available to you. A few discounts might not be offered in every state.
Choices You Make Can Impact Your Insurance Rates
Consumers need to have an understanding of some of the things that go into determining auto insurance rates. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that could result in lower premium levels.
Mature drivers pay less – Teenage drivers in California are known to be inattentive with other occupants in the car so auto insurance rates are higher. Having to add a inexperienced driver to your auto insurance policy will cause a huge premium hike. More mature drivers are viewed as being more responsible, cause fewer claims and accidents, and are safer drivers.
Physical damage deductibles are a factor – Physical damage deductibles represent how much money you are willing to pay if a covered claim is submitted. Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some instances where coverage would apply could be rearending another vehicle, animal collisions, and having a roll-over accident. The more damage repair cost you have to pay, the lower your rates will be.
Your car’s features help determine premiums – Buying a car with a theft deterrent system can earn a premium discount. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms all help prevent car theft.
Do you save by driving less? – Driving more miles every year the more you will pay for auto insurance. The majority of insurers rate vehicles partially by how you use the vehicle. Cars that are left in the garage cost less to insure than those used for commuting. Having an incorrect usage rating on your Mariner can cost quite a bit. It’s always a good idea to double check that your policy properly reflects the correct usage, because it can save money.
Reserve insurance claims for larger damages – Companies in California provide the lowest premiums to policyholders who are claim-free. If you tend to file frequent claims, you can definitely plan on higher premiums or even policy non-renewal. Your insurance policy is intended to be relied upon for larger claims.
Never let your policy lapse – Not having insurance can get you a ticket and you may have a hard time finding new coverage because you let your coverage lapse. Not only will you pay higher rates, the inability to provide proof of insurance will get you a revoked license or a big fine. You may then be required to provide proof of insurance in the form of an SR-22 filing with the California DMV.
Lower rates with a multi-policy discount – Most major insurance companies afford discounts to customers who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. Even with this discount applied, you still need to shop around to verify if the discount is saving money.There is a good possibility that you can save even more than the discount even if you have your coverage with different companies
Compare rates but still have a local neighborhood San Diego car insurance agent
A small number of people just want to talk to a local agent and that is a personal choice. Good insurance agents can answer important questions and help you file claims. An additional benefit of comparing auto insurance online is the fact that drivers can get the best rates and still have an agent to talk to. Buying insurance from neighborhood agents is still important in San Diego.
After completing this simple form, the coverage information is immediately sent to local insurance agents who will give competitive quotes for your coverage. There is no need to drive around as quotes are delivered straight to your inbox. If you wish to quote rates from a particular provider, you just need to find their quoting web page and submit a quote form there.
Car insurance agents in San Diego come in two varieties
If you are searching for a good insurance agency, it can be helpful to understand the different types of agencies that you can select. Auto insurance agents in San Diego can either be exclusive or independent (non-exclusive). Either one can sell affordable auto insurance policies, but it’s worth learning how they differ because it may have an impact on your selection of an agent.
Independent Auto Insurance Agents (or Brokers)
Agents of this type can quote rates with many companies and that is an advantage because they can write policies with multiple insurance companies enabling the ability to shop coverage around. If you want to switch companies, the business is moved internally which makes it simple for you.
When comparison shopping, it’s recommended you compare quotes from several independent insurance agents in order to have the best price comparison. Many can place coverage with smaller mutual companies which can save you money.
Featured below is a list of independent insurance agencies in San Diego that may be able to give pricing information.
- Kostyo Insurance Agency
4456 Vandever Ave #10 – San Diego, CA 92120 – (619) 325-3600 – View Map - Leavitt Group – Leavitt Insurance Agency of San Diego
3636 Nobel Dr #100 – San Diego, CA 92122 – (858) 436-2441 – View Map - Nationwide Insurance: Keith Jackson Insurance Agency Inc
1081 Camino del Rio S Ste 210 – San Diego, CA 92108 – (916) 742-6995 – View Map
Exclusive Agents
Agents of this type normally can only provide a single company’s rates and examples are State Farm, AAA, and Liberty Mutual. They generally cannot compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are usually well trained on their company’s products which helps them sell insurance even at higher premiums. Consumers frequently choose to use an exclusive agent partially due to the prominence of the brand rather than low price.
Below are exclusive insurance agencies in San Diego who can help you get price quote information.
- Myles Collins – State Farm Insurance Agent
9920 Mira Mesa Blvd A – San Diego, CA 92131 – (858) 271-6400 – View Map - Rod Thelen – State Farm Insurance Agent
110 W A St #775 – San Diego, CA 92101 – (619) 234-4882 – View Map - Deryk Inn – State Farm Insurance Agent
3633 Camino del Rio S #100 – San Diego, CA 92108 – (619) 362-4820 – View Map
Selecting a insurance agent should include more criteria than just the quoted price. These are some questions you should get answers to.
- When do they do a full risk review?
- Does the agency have a good rating with the Better Business Bureau?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they have cheaper tiers of coverage?
- Which companies do they recommend if they are an independent agency?
- How will an accident affect your rates?
- Do they specialize in personal lines coverage in San Diego?
Frequent quotes can save
We just presented some good ideas how to get a better price on Mercury Mariner insurance in San Diego. The key concept to understand is the more quotes you get, the higher your chance of finding affordable San Diego car insurance quotes. Consumers could even find that the most savings is with a small mutual company.
When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. Your objective should be to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.
People who switch companies do it for a variety of reasons including not issuing a premium refund, delays in paying claims, policy cancellation and even questionable increases in premium. It doesn’t matter why you want to switch finding a new company is pretty easy and you might even save some money in the process.
For more information, feel free to visit the resources below:
- Safety Belts FAQ (iihs.org)
- How Much are San Diego Auto Insurance Quotes for Drivers Over Age 50? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Police Officers in San Diego? (FAQ)
- How Much is Auto Insurance for a Nissan Versa in San Diego? (FAQ)
- What Insurance is Cheapest for Drivers with Bad Credit in San Diego? (FAQ)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Medical Payments Coverage (Liberty Mutual)