Cheapest Insurance for a Mercury Mariner in Irvine

The recommended way to get affordable Mercury Mariner insurance is to compare prices regularly from insurers in Irvine. You can compare rates by completing these steps.

• Step 1: Take a few minutes and learn about auto insurance and the factors you can control to keep rates in check. Many things that result in higher rates such as traffic citations, accidents, and an unfavorable credit rating can be improved by making lifestyle changes or driving safer. Read the full article for tips to get low prices and earn larger discounts.
• Step 2: Get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like Progressive and State Farm, while agents who are independent can provide prices for a wide range of insurance providers.
• Step 3: Compare the new rates to your current policy premium to see if a cheaper rate is available in Irvine. If you find a lower rate quote, make sure there is no coverage gap between policies.

The key thing to remember is to use similar coverage information on every quote request and and to get prices from as many companies as possible. This provides the most accurate price comparison and a complete price analysis.

It’s a known fact that insurance companies want to keep you from comparing rates. Drivers who compare rates once a year will probably move their business because they have a good chance of finding a lower-cost company. A survey found that drivers who made a habit of comparing rate quotes saved about $3,400 over four years as compared to drivers who never shopped for cheaper rates.

If finding the best rates on auto insurance in Irvine is the reason you’re reading this, knowing how to choose a company and compare insurance coverage can save time and make the process easier.

Mercury Mariner insurance rates and statistics

The price information displayed next covers estimates of insurance costs for Mercury Mariner models. Having a good grasp of how insurance prices are determined can help you make smart choices when choosing a car insurance company.

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rates do not factor in zip code location which can impact premium rates significantly.

Comparison of policy deductibles

A question often asked by Irvine drivers is what deductibles to buy. The comparison tables below may help you to understand the differences in price when you buy lower versus higher comp and collision deductibles. The first price estimate table uses a $250 physical damage deductible and the second price table uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in garaging location in Irvine which can alter premiums significantly.

Based on the data above, we can derive that using a $250 deductible costs roughly $17 more each month or $204 a year across all Mercury Mariner models than selecting the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 15 months between claims, you would more than likely save some money by going with a higher deductible. The illustration below shows the way this decision is made.

One thing to be aware of is that a higher deductible results in more money out-of-pocket when you have a comprehensive or collision claim. That will necessitate enough extra money in order to pay more for the deductible.

Irvine Insurance Prices are Influenced by These Factors

Lots of factors are part of the calculation when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but others are not quite as obvious like your continuous coverage or how financially stable you are. Part of the auto insurance buying process is learning the rating factors that go into determining auto insurance rates. If you have a feel for what controls the rates you pay, this helps enable you to make changes that can earn you lower premium levels.

• Teenage drivers pay more – Teenage drivers in California are statistically shown to be easily distracted when driving with friends so they pay higher auto insurance rates. More mature drivers are shown to be more cautious, are lower risk to insure, and tend to be get fewer driving tickets.

  The following data uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Low deductibles mean high premiums – Insurance for physical damage, also called comprehensive and collision insurance, protects your Mercury from damage. Examples of covered claims are a broken side mirror, damage from fire, and rolling your vehicle. Comprehensive and collision coverage deductibles define the amount you are required to pay if a claim is determined to be covered. The higher the amount you choose to pay out-of-pocket, the less your company will charge you for insurance.
• Insurance rates for married couples – Having a significant other actually saves money on your auto insurance policy. Having a significant other usually means you are more mature and statistics show married drivers get in fewer accidents.
• Vocation and insurance premiums – Jobs like doctors, air traffic controllers, and medical professionals have higher rates than the rest of us because of high stress and lots of time spent away from family. On the other hand, occupations such as scientists, engineers and homemakers pay lower than average rates.

Persistence will pay off

When trying to cut insurance costs, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed collision coverage only to regret that the small savings ended up costing them much more. Your goal is to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.

Lower-priced auto insurance in Irvine is available on the web and also from your neighborhood Irvine agents, and you should compare rates from both to get a complete price analysis. There are still a few companies who may not offer the ability to get a quote online and these smaller companies provide coverage only through independent agents.

You just learned some good ideas how you can lower your Mercury Mariner insurance rates in Irvine. The key concept to understand is the more quotes you get, the higher your chance of finding cheaper Irvine auto insurance quotes. Drivers may even discover the best rates are with a small mutual company.

Other learning opportunities

• Frontal Crash Tests (iihs.org)
• Who Has the Cheapest Car Insurance for Low Credit Scores in Irvine? (FAQ)
• Who Has Affordable Car Insurance for Retired Military in Irvine? (FAQ)
• Who Has Cheap Auto Insurance for 4×4 Vehicles in Irvine? (FAQ)
• Who Has Affordable Auto Insurance Rates for Uninsured Drivers in Irvine? (FAQ)
• Five Tips to Save on Auto Insurance (Insurance Information Institute)
• No-Fault Auto Insurance Statistics (Insurance Information Institute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Auto Insurance Learning Center (State Farm)