How to Save on Mercury Mountaineer Insurance in Irvine

Saving money on Mercury Mountaineer insurance in Irvine is slightly frustrating for drivers not familiar with comparison shopping online. There are so many options that it can easily become a burden to find cheaper Mercury Mountaineer insurance rates.

How to find the cheapest rates for Mercury Mountaineer insurance in Irvine

The preferred way to save on Mercury Mountaineer insurance is to compare quotes once a year from insurance carriers who provide car insurance in Irvine. Price quotes can be compared by following these steps.

1. Read and learn about what coverages are included in your policy and the factors you can control to lower rates. Many factors that cause rate increases such as speeding tickets, accidents and poor credit history can be rectified by making small lifestyle or driving habit changes.
2. Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like GEICO and State Farm, while agents who are independent can quote prices for many different companies. Find an Irvine insurance agent
3. Compare the new rate quotes to your existing policy and see if you can save money. If you can save money, make sure coverage does not lapse between policies.
4. Notify your agent or company to cancel your existing policy. Submit the signed application along with the required initial payment to your new insurance company. Immediately upon receiving it, store the certificate verifying proof of insurance with the vehicle registration.

One piece of advice is that you’ll want to compare identical deductibles and limits on every quote request and and to get rates from as many companies as possible. Doing this guarantees an apples-to-apples comparison and many rates to choose from.

It goes without saying that insurance companies don’t want their policyholders to compare prices. Consumers who shop around for cheaper price quotes are highly likely to buy a different policy because there is a high probability of getting low-cost coverage. Surprisingly, a recent survey revealed that drivers who routinely compared quotes saved on average $70 a month as compared to drivers who never shopped around for better prices.

If saving the most money on auto insurance in Irvine is why you’re reading this, learning how to get price quotes and compare insurance can make it simple to find affordable coverage.

Best companies for Mercury Mountaineer insurance

The providers in the list below can provide price comparisons in Irvine, CA. If you want the best cheap car insurance in Irvine, it’s highly recommended you visit as many as you can to get a more complete price comparison.

Insurance coverage analysis

The premium table below showcases a range of rate quotes for Mercury Mountaineer models. Having a better understanding of how insurance rates are determined is important for you to make smart buying decisions.

Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in Irvine location which can modify price quotes substantially.

Physical damage deductible comparison

One frequently asked question is how high should the deductibles for physical damage be. The comparisons below can help you visualize how much more rates are when you choose different policy deductibles. The first set of rates uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Estimates do not factor in specific location information which can change insurance rates significantly.

Based on this data, using a $100 deductible will cost you approximately $47 more each month or $564 each year averaged for all Mountaineer models than selecting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 19 months between claims, you would more than likely save some money if you opt for a higher deductible.

The example below shows how choosing a deductible and can raise or lower Mercury Mountaineer yearly insurance costs for different categories of driver ages. The data assumes a single female driver, full physical damage coverage, and no discounts are applied.

Lower-cost Irvine insurance rates with discounts

Insurance can be pricey, but you may be missing some discounts to help offset the cost. Some trigger automatically when you complete an application, but a few must be inquired about before they will apply. If you aren’t receiving every discount available, you could be saving more on your insurance.

• Driving Data Discount – Policyholders that allow their insurance company to monitor when and where they use their vehicle by using a telematic data system such as State Farm’s In-Drive might see lower rates if they are good drivers.
• Drivers Ed for Students – Require your teen driver to enroll in driver’s education in high school.
• Senior Citizen Discount – Drivers over the age of 55 may receive better insurance rates.
• Lower Rates for Military – Having an actively deployed family member could qualify you for better rates.
• Federal Government Employee – Active or former government employment may qualify for a discount when you quote Irvine auto insurance depending on your company.
• Club Memberships – Participating in qualifying clubs or civic groups can get you a small discount on your policy.

One last thing about discounts, most credits do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, it’s just not the way it works.

The example below illustrates the comparison of Mercury Mountaineer insurance costs with and without discounts applied to the policy premium. The information is based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, multi-policy, multi-car, and homeowner discounts applied.

Companies and their possible discounts can be found below.

• Farmers Insurance policyholders can earn discounts including switch companies, youthful driver, business and professional, alternative fuel, multi-car, and teen driver.
• Esurance offers premium reductions for online shopper, DriveSense, homeowner, renters, defensive driver, Pac-12 alumni, and Switch & Save.
• State Farm has savings for defensive driving training, safe vehicle, anti-theft, driver’s education, and passive restraint.
• GEICO discounts include air bags, driver training, good student, five-year accident-free, military active duty, and daytime running lights.
• Allstate may have discounts that include premier plus, 55 and retired, EZ pay plan discount, FullPay discount, farm vehicle, economy car, and auto/life discount.

If you need inexpensive Irvine auto insurance quotes, ask every insurance company what discounts are available to you. Depending on the company, some discounts might not apply everywhere.

Your situation helps dictate your coverage

Keep in mind that when it comes to choosing a policy for your personal vehicles, there really is no cookie cutter policy. Your financial needs are unique so your insurance should reflect that For example, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

• Do I have newly-acquired coverage?
• Will I lose any money if I cancel my policy before it expires?
• Is my custom stereo system covered?
• Is other people’s property covered if stolen from my vehicle?
• Who is covered when they drive my Mercury Mountaineer?
• Is extra glass coverage worth it?
• Can I insure my car for more than it’s worth?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Are car insurance agents a thing of the past?

Many drivers just want to visit with an insurance agent and that is a smart decision A nice benefit of comparing rates online is the fact that drivers can get lower auto insurance rates and still have a local agent. Buying insurance from small agencies is especially important in Irvine.

For easy comparison, once you complete this quick form, your coverage information is immediately sent to agents in your area who will return price quotes for your business. You won’t need to contact any agents because prices are sent immediately to you. You’ll get the best rates without having to waste a lot of time. If you need to quote rates from a specific insurance company, just search and find their rate quote page and give them your coverage information.

Car insurance agents in Irvine come in two varieties

If you’re trying to find a local Irvine insurance agency, it helps to know the two types of insurance agents and how they are slightly different. Car insurance agents can be categorized as either exclusive or independent (non-exclusive).

Independent Agents (or Brokers)

Independent agents do not work for one specific company so as a result can place your coverage amongst many companies and potentially find a lower price. If your agent finds better pricing, your policy is moved internally and you don’t have to switch agencies.

When comparing rates, we recommend you compare prices from multiple independent agents in order to compare the most rates. Most also have access to different regional companies which may have better rates.

Featured below is a list of independent agencies in Irvine that may be able to give price quote information.

• Peter Green Insurance Agency LLC
  3151 Airway Ave Suite F203 – Costa Mesa, CA 92626 – (714) 258-2800 – View Map
• Hodge and Hodge Insurance Inc
  10 Hughes # 205 – Irvine, CA 92618 – (949) 458-0442 – View Map
• Church and Casualty Insurance
  3440 Irvine Ave # 150 – Newport Beach, CA 92660 – (949) 852-8558 – View Map

View more agents

Exclusive Agents

These type of agents can only provide pricing for a single company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to compare other company’s rates so always compare other rates. Exclusive agents receive extensive training on their company’s products which can be an advantage. Some insured continue to choose to use an exclusive agent primarily because of the prominent brand name rather than having the cheapest rates.

Shown below are Irvine exclusive agencies that can give you price quotes.

• Farmers Insurance
  4000 Barranca Pkwy # 250 – Irvine, CA 92604 – (949) 262-3238 – View Map
• Ray Vermeulen – State Farm Insurance Agent
  2151 Michelson Dr #242 – Irvine, CA 92612 – (949) 752-6335 – View Map
• Chris Barr – State Farm Insurance Agent
  17802 Irvine Blvd a121 – Tustin, CA 92780 – (714) 544-2558 – View Map

View more agents

Finding the right auto insurance agent requires more thought than just a cheap price. The questions below may impact your decision as well.

• Do they review policy coverages at every renewal?
• What is the agency’s Better Business Bureau rating?
• Will the agent or a CSR service your policy?
• Can glass claims be handled at your home?
• If your car is in the repair shop, do you have coverage for a rental car?
• Does the agent have a valid license to sell insurance in California?
• Which members of your family are coverage by the policy?

Frequent quotes can save

Some insurance companies may not provide online rate quotes and most of the time these regional carriers sell through independent agents. Low-cost Mercury Mountaineer insurance in Irvine is attainable online in addition to local insurance agencies, so you should compare both to have the best selection.

We’ve covered a lot of tips how to lower your Mercury Mountaineer insurance prices in Irvine. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the lowest prices are with a company that doesn’t do a lot of advertising. Smaller companies may often insure only within specific states and give better rates as compared to the big name companies such as Progressive or GEICO.

As you quote Irvine auto insurance, you should never buy less coverage just to save a little money. There are many occasions where someone dropped comprehensive coverage or liability limits only to find out that they should have had better coverage. Your goal should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

How to find cheaper rates for Mercury Mountaineer insurance in Irvine

If saving the most money is your goal, then the best way to get affordable Mercury Mountaineer insurance is to compare quotes annually from insurance carriers in Irvine.

• Step 1: Spend a few minutes and learn about individual coverages and the things you can change to prevent expensive coverage. Many policy risk factors that cause rate increases such as multiple speeding tickets and an unacceptable credit rating can be amended by making minor changes in your lifestyle.
• Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agents can provide rate quotes from multiple companies.
• Step 3: Compare the price quotes to the price on your current policy and see if you can save money. If you find a lower rate quote and buy the policy, make sure coverage is continuous and does not lapse.
• Step 4: Give notification to your agent or company of your decision to cancel your current car insurance policy and submit payment along with a signed and completed policy application to the new insurer. Once the application is submitted, safely store the certificate verifying coverage somewhere easily accessible.

An important bit of advice to remember is that you use the same liability limits and deductibles on each quote request and and to get prices from all possible companies. Doing this provides an apples-to-apples comparison and a better comparison of the market.

Additional information can be read on the following sites:

• Event Data Recorders FAQ (iihs.org)
• Who Has Cheap Car Insurance Quotes for Immigrants in Irvine? (FAQ)
• What Insurance is Cheapest for High Mileage Drivers in Irvine? (FAQ)
• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
• Booster Seat Ratings (iihs.org)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)