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.
- 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.
- 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.
- 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.
- 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.
It’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.
- Compare rates if you combine your policies – Most major companies apply discounts to customers who buy several policies from them, otherwise known as a multi-policy discount. This can amount to ten percent or more. Even if you already get this discount, you may still want to compare Mercury Mariner rates in Chula Vista to help guarantee you have the best rates. You may still be able to save even more than the discount by buying from different companies
- Never allow your policy to lapse – Driving without insurance coverage in place can get you a ticket and you will pay a penalty because you let your coverage lapse. Not only will you pay more, the inability to provide proof of insurance could earn you a license revocation or jail time.
- Vehicles with better crash test results cost less to insure – Cars with high safety ratings tend to have better insurance rates. These vehicles reduce injuries and any reduction in injury severity means lower claim amounts which can result in lower premiums.
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Rates also based on gender – Statistics show that females take fewer risks when driving. The data does not necessarily mean that men are worse drivers. Both genders cause auto accidents in similar numbers, but males get into accidents with more damage. Men also receive more major tickets like reckless driving and DUI. Males from age 16 to 21 tend to get in the most accidents and therefore pay the highest rates.
The illustration below illustrates the difference between Mercury Mariner insurance costs for male and female drivers. The price estimates are based on no driving violations, no at-fault accidents, full coverage, $500 deductibles, single status, and no discounts are applied to the premium.
- Cut prices and deter theft – Driving a car that has a built-in theft deterrent system can earn a premium discount. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent car theft and help bring rates down.
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
- Most states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability coverage in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your Mercury with a loan, most banks will make it mandatory that you have comprehensive coverage to guarantee payment of the loan. If you let the policy lapse, the lender may have to buy a policy to insure your Mercury for a much higher rate and force you to reimburse them the higher premium.
- Insurance protects not only your car but also your assets. It will also provide coverage for all forms of medical expenses incurred in an accident. Liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
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.
- Sign Early and Save – A few companies offer discounts for buying a policy prior to the expiration date on your current Mariner insurance policy. This can save 10% or more.
- Claim-Free Discount – Drivers who don’t have accidents can save substantially as opposed to drivers with a long claim history.
- E-sign Discounts – A handful of larger companies provide a small discount for buying your policy on their website.
- Good Student – Performing well in school may save as much as 25% on a Chula Vista auto insurance quote. The good student discount can last well after school through age 25.
- College Student – Children who live away from home to go to college and do not have a car may qualify for this discount.
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.
After 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.
- How are claims handled?
- Did they already check your driving record and credit reports?
- How much training do they have in personal risk management?
- Will a damage claim use OEM or aftermarket replacement parts?
- Do they have any clout with companies to ensure a fair claim settlement?
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.
- Farmers Insurance – Raul Paredes
208 3rd Ave – Chula Vista, CA 91910 – (619) 651-1900 – View Map - State Farm: Danny Patel
345 F St #160 – Chula Vista, CA 91910 – (619) 426-8352 – View Map - Farmers Insurance – Patricia Ruiz
2568 Waterline Way – Chula Vista, CA 91914 – (619) 482-7011 – View Map
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.
- Hotwire Insurance
555 Broadway #2018 – Chula Vista, CA 91910 – (877) 221-0676 – View Map - Hoffman Hanono Insurance Agency
2090 Otay Lakes Rd #102 – Chula Vista, CA 91915 – (619) 420-1861 – View Map - Robert Osorio Insurance
513 Windy Way – Chula Vista, CA 91914 – (619) 216-0991 – View Map
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.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com 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
- A Tree Fell on Your Car: Now What? (Allstate)
- Who Has Affordable Chula Vista Auto Insurance for High School Students? (FAQ)
- Who Has the Cheapest Auto Insurance for College Students in Chula Vista? (FAQ)
- Who Has the Cheapest Auto Insurance for College Graduates in Chula Vista? (FAQ)
- Who Has Cheap Auto Insurance for Drivers Over Age 60 in Chula Vista? (FAQ)
- Who Has Affordable Chula Vista Auto Insurance Rates for a Ford Edge? (FAQ)
- Who Has Cheap Auto Insurance for Safe Drivers in Chula Vista? (FAQ)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Frontal Crash Tests (iihs.org)