Wish you could get out of overpriced Mercury Mariner insurance in Los Angeles? Trust us when we tell you there are lots of people in the same boat.
Sadly, a large majority of drivers have purchased from the same company for at least four years, and just under half have never shopped around. Many consumers in Los Angeles could cut their rates by nearly $469 a year just by comparing rates, but most undervalue the rate savings if they changed companies. With consumers having so many choices of insurance companies that have cheap insurance for a Mercury Mariner in Los Angeles, it can be hard to find the lowest price company.
It's a good habit to get comparison quotes yearly because rates change quite often. Despite the fact that you may have had the lowest rate on Mercury Mariner insurance in Los Angeles on your last policy you can probably find a better price now. Block out anything you think you know about insurance because we're going to show you the quickest way to remove unneeded coverages and save money.
Shopping for affordable car insurance coverage in Los Angeles is simple if you know the tricks. If you have a policy now or just want cheaper rates, follow these tips to shop for the lowest rates while maximizing coverage. Consumers just have to use the fastest way to compare different rates from many different companies online.
Affordable car insurance in Los Angeles, CA
The companies in the list below are ready to provide price quotes in California. If multiple companies are shown, we recommend you visit several of them in order to find the lowest rates.
Mercury Mariner detailed coverage information
The table displayed next highlights different insurance rates for Mercury Mariner models. Having a good understanding how rate quotes are determined can assist in making smart policy decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Mariner Premier 2WD||$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 Customized Quote Go|
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Estimates do not factor in vehicle location which can influence auto insurance rates significantly.
Mercury Mariner insurance premiums by gender and age
The diagram below visualizes the comparison of Mercury Mariner insurance rates for male and female drivers. The premiums are based on no accidents or driving violations, full coverage, $1,000 deductibles, single status, and no additional discounts are factored in.
Do you qualify for discounts?
Some companies do not advertise every discount in an easy-to-find place, so the following list contains both well-publicized as well as the least known savings tricks you should be using when you buy Los Angeles car insurance online. If you're not getting every credit possible, you're paying more than you need to.
- Waiver for an Accident - This one isn't a discount, but certain companies will forgive one accident before your rates go up so long as you haven't had any claims for a particular time prior to the accident.
- No Accidents - Los Angeles drivers who stay claim-free get the best car insurance rates in comparison to drivers with a long claim history.
- E-sign - A few larger online companies will discount your bill up to fifty bucks shop Los Angeles car insurance on the web.
- Telematics Devices - People who choose to allow driving data collection to track their driving habits remotely like In-Drive from State Farm and Progressive's Snapshot may get a rate reduction as long as the data is positive.
- Driver Safety - Passing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
As a footnote on discounts, most of the big mark downs will not be given to the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, it just doesn't work that way. But any discount will bring down your overall bill.
The chart below shows the difference between Mercury Mariner auto insurance rates with and without discounts applied. The premiums are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-car, safe-driver, claim-free, and multi-policy discounts applied.
If you would like to view providers that offer multiple discounts in Los Angeles, follow this link.
Local insurance agents
Certain consumers would prefer to sit down and talk to an agent and doing that can be a smart decision Professional insurance agents are trained risk managers and help submit paperwork. One of the best bonuses of getting free rate quotes online is the fact that drivers can get the lowest rates and still have a local agent. Buying from neighborhood agents is important especially in Los Angeles.
For easy comparison, once you complete this quick form, your coverage information is emailed to insurance agents in Los Angeles who can give free rate quotes to get your business. You don't have to contact any agents due to the fact that quote results will go directly to you. If you wish to compare rates from a particular provider, you would need to find their quoting web page and submit a quote form there.
Types of car insurance agents in Los Angeles
When researching a local Los Angeles insurance agency, there are a couple of different types of agents and how they differ in how they can insure your vehicles. Car insurance agents in Los Angeles are categorized either exclusive agents or independent agents. Both can sell car insurance policies, but it's important to point out the difference in the companies they write for since it may influence the kind of agent you use.
Independent Insurance Agents
These agents are not restricted to one company and that enables them to quote your coverage with multiple insurance companies and find the cheapest rate. If premiums increase, the business is moved internally which makes it simple for you.
When comparing car insurance prices, you will want to contact multiple independent agents for the best price selection.
Below are Los Angeles independent agents who can help you get competitive price quotes.
Exclusive Insurance Agencies
These agents can only write with one company such as Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to provide prices from multiple companies so you might not find the best rates. Exclusive agents are very knowledgeable in insurance sales which helps offset the inability to provide other markets.
Listed below is a short list of exclusive agencies in Los Angeles who can help you get rate quotes.
Grace Jun - State Farm Insurance Agent
2426 W 8th St #218 - Los Angeles, CA 90057 - (213) 388-4955 - View Map
Deciding on a insurance agent should include more criteria than just a low price. These are some questions your agent should answer.
- If you are a high risk driver, do they have special markets for your coverage?
- Can you use your own choice of collision repair facility?
- Which family members are covered?
- Which companies do they recommend if they are an independent agency?
- What insurance company do they write the most business with?
If you get answers to your satisfaction to any questions you have as well as inexpensive Mercury Mariner insurance in Los Angeles quotes, most likely you have located an auto insurance agent that can be trusted to adequately provide car insurance. Just understand that you can always terminate your policy for any reason so never feel that you are permanently stuck with any specific agency with no way out.
A conclusion for your auto insurance search
More affordable auto insurance in Los Angeles can be bought online as well as from independent agents in Los Angeles, so you should compare both in order to have the best price selection to choose from. Some insurance companies don't offer online quoting and most of the time these small insurance companies prefer to sell through independent insurance agents.
When buying insurance coverage, don't be tempted to skimp on coverage in order to save money. In many cases, someone sacrificed physical damage coverage only to regret that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.
To read more, feel free to visit these articles:
- What is a Telematics Device? (Allstate)
- Who Has Affordable Los Angeles Car Insurance Quotes for College Students? (FAQ)
- Who Has the Cheapest Los Angeles Car Insurance Rates for a Ford Explorer? (FAQ)
- What Car Insurance is Cheapest for a Chevrolet Equinox in Los Angeles? (FAQ)
- Medical Payments Coverage (Liberty Mutual)
- Prepare your Teens for Safe Driving (InsureUonline.org)