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.

Insurance quote for Mercury Mountaineer in IrvineIt 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.

Mercury Mountaineer Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $334 $662 $534 $32 $160 $1,722 $144
Mountaineer AWD $378 $662 $534 $32 $160 $1,766 $147
Mountaineer Premier 2WD $378 $780 $534 $32 $160 $1,884 $157
Mountaineer Premier AWD $378 $780 $534 $32 $160 $1,884 $157
Get Your Own Custom Quote Go

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.

Mercury Mountaineer insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $380 $686 $442 $26 $132 $1,691 $141
Mountaineer AWD $430 $686 $442 $26 $132 $1,741 $145
Mountaineer Premier 2WD $430 $810 $442 $26 $132 $1,865 $155
Mountaineer Premier AWD $430 $810 $442 $26 $132 $1,865 $155
Get Your Own Custom Quote Go

Mercury Mountaineer insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $210 $362 $442 $26 $132 $1,172 $98
Mountaineer AWD $238 $362 $442 $26 $132 $1,200 $100
Mountaineer Premier 2WD $238 $426 $442 $26 $132 $1,264 $105
Mountaineer Premier AWD $238 $426 $442 $26 $132 $1,264 $105
Get Your Own Custom Quote Go

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.

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.

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.

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.

Insurance agency in IrvineFor 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.

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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.

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

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.

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: