Mercury Mountaineer Insurance Rate Quotes in Stockton

Discount Mercury Mountaineer insuranceA recent study revealed that over 70% of drivers have bought car insurance from the same company for more than four years, and roughly 40% of drivers have never compared rates from other carriers. Stockton consumers could save an average of as much as $470 each year just by shopping around, but they just assume it’s a time-consuming process to compare rates online.

The best way to find cheaper auto insurance rates in Stockton is to do a yearly price comparison from companies who sell insurance in California. Price quotes can be compared by completing these steps.

First, spend some time learning about the coverage provided by your policy and the measures you can take to keep rates down. Many factors that result in higher rates such as traffic violations and a negative credit score can be rectified by paying attention to minor details.

Second, compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like Progressive or Allstate, while independent agencies can provide price quotes for a wide range of insurance providers. Begin your rate comparison

Third, compare the new rates to your existing policy to see if a cheaper price is available. If you find a better price, ensure there is no coverage lapse between policies.

Fourth, give proper notification to your current agent or company to cancel your current car insurance policy. Submit the application along with any required down payment to the new insurer. Don’t forget to keep the new proof of insurance paperwork in your vehicle’s glove compartment or console.

A key point to remember is that you use similar coverage information on every quote request and and to get prices from as many companies as feasibly possible. This ensures the most accurate price comparison and a complete rate analysis.

Low Cost companies for Mercury Mountaineer insurance in California

The following companies offer comparison quotes in California. If more than one company is shown, we recommend you click on several of them to get a more complete price comparison.

Rates and statistics

The information shown below outlines detailed analysis of insurance coverage prices for Mercury Mountaineer models. Having knowledge of how insurance policy premiums are figured can be valuable when making smart policy decisions.

Mercury Mountaineer Insurance Rates in Stockton, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $326 $672 $464 $28 $138 $1,628 $136
Mountaineer AWD $370 $672 $464 $28 $138 $1,672 $139
Mountaineer Premier 2WD $370 $792 $464 $28 $138 $1,792 $149
Mountaineer Premier AWD $370 $792 $464 $28 $138 $1,792 $149
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price information does not factor in Stockton location which can influence rates noticeably.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for insurance is what deductibles to buy. The premium rates below can help illustrate the premium difference when you choose different comp and collision deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Mercury Mountaineer insurance premium estimates 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
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Mercury Mountaineer insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $278 $464 $442 $26 $132 $1,342 $112
Mountaineer AWD $314 $464 $442 $26 $132 $1,378 $115
Mountaineer Premier 2WD $314 $546 $442 $26 $132 $1,460 $122
Mountaineer Premier AWD $314 $546 $442 $26 $132 $1,460 $122
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Table data represents 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. Table data does not factor in zip code location which can alter premiums substantially.

We can derive from the above data that using a $100 deductible will cost you about $31 more each month or $372 for a full year averaged for all Mountaineer models than quoting the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 13 months between claims, you would most likely save money if you opt for a higher deductible.

Calculation for raising deductibles

Average monthly premium for $100 deductibles: $149
Average monthly premium for $500 deductibles (subtract): – $118
Monthly savings from raising deductible: $31
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

The example below highlights how deductible choice and can change Mercury Mountaineer insurance costs for each age group. The price estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Safe drivers pay less for insurance

The information below shows how violations and at-fault fender-benders drive up Mercury Mountaineer insurance prices for different categories of driver ages. The premiums are based on a single female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

Insurance Price Influencing Factors

When buying auto insurance it’s important to understand the factors that go into determining the rates you pay for auto insurance. If you have a feel for what controls the rates you pay, this enables you to make decisions that may result in better auto insurance rates. Many different elements are part of the equation when you quote your car insurance policy. Some are obvious like an MVR report, but other factors are not as apparent such as your credit history or your vehicle rating.

The items below are most of the major factors companies use to determine prices.

Higher prices for specific jobs – Do you work in a high-stress field? Careers such as real estate brokers, social workers, and medical professionals tend to pay higher rates than average attributed to stressful work requirements and lengthy work days. Other professions such as scientists, engineers and the unemployed get better rates.

Gender and car insurance prices – Statistics demonstrate that females tend to be a little less risky than males. This data doesn’t prove that females are better at driving than males. They both cause auto accidents at a similar rate, but the males cause more damage. They also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.

The illustration below illustrates the difference between Mercury Mountaineer insurance premiums for male and female drivers. The information is based on no claims or driving citations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are applied.

Liability is critical – A critical coverage on your policy, liability insurance is the protection if ever you are found to be at fault for damages from an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so do not skimp.

Choose high IIHS safety ratings and save – Safer cars cost less to insure. Highly rated vehicles help reduce the chance of injuries in an accident and lower injury rates translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Mercury Mountaineer earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Too many claims and you’ll pay more – Car insurance companies in California provide discounts to drivers who only file infrequent claims. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

Younger drivers pay high costs – Young drivers in California have a tendency to get distracted easily with other occupants in the car therefore auto insurance rates are much higher. More mature drivers are proven to be safer behind the wheel, statistically cause fewer accidents, and are safer drivers.

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

Discount Stockton insurance rates

Companies offering auto insurance don’t always advertise all discounts very well, so the following is a list of both the well known and the harder-to-find credits available to lower your premiums when you buy Stockton auto insurance online. If you check and find you aren’t receiving every discount possible, you are paying more than you should be.Save money with discounts

Remember that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any qualifying discounts will definitely lower the cost of coverage.

The diagram below compares Mercury Mountaineer yearly insurance costs with and without discounts applied to the rates. The data is based on a female driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, marriage, homeowner, and claim-free discounts applied.

Companies and a partial list of their discounts are outlined below.

It’s a good idea to ask every company how you can save money. Some credits might not apply in every state. For a list of insurance companies that offer multiple discounts in California, click here to view.

Do I need an agent?

A small number of people would prefer to sit down and talk to an agent and that is recommended in a lot of cases Agents can help determine the best coverages and help you file claims. A good thing about getting free rate quotes online is that you can obtain better rates but still work with a licensed agent. And supporting neighborhood agents is important especially in Stockton.

Stockton insurance agentsOnce you complete this simple form, the quote information is transmitted to companies in Stockton who will give competitive quotes for your business. It makes it easy because there is no need to do any legwork because prices are sent directly to you. If for some reason you want to get a price quote from a specific company, you just need to navigate to their website and fill out their quote form.

Stockton auto insurance agents are either independent or exclusive

When looking for a local Stockton insurance agency, there are two different agency structures and how they can quote your rates. Insurance agents can be classified as either independent (non-exclusive) or exclusive. Either one can sell insurance policies, but it is important to understand how they are different since it can impact which type of agent you select.

Independent Insurance Agencies

Agents in the independent channel are not restricted to one company so as a result can place your coverage with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can just switch to a different company which requires no work on your part. When shopping rates, it’s recommended you compare prices from at a minimum one independent agency so that you have a good selection of quotes to compare.

Listed below is a short list of independent insurance agencies in Stockton who can help you get free insurance rate quotes.

1341 West Robinhood Drive, ste A-1Stockton, CA 95207(209) 898-0650View Map

1150 W Robinhood Dr # 1AStockton, CA 95207(209) 474-6174View Map

6025 Pacific AveStockton, CA 95207(209) 474-7777View Map

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Exclusive Agencies

Agents that elect to be exclusive have only one company to place business with such as Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to compare rates from other companies so they have to upsell other benefits. These agents are very knowledgeable on their company’s products and that enables them to sell even at higher rates.

The following is a short list of exclusive agencies in Stockton who can help you get price quote information.

7895 N Pershing AveStockton, CA 95207(209) 477-9936View Map

8855 Thornton Rd AStockton, CA 95209(209) 473-7104View Map

7273 Murray Dr #7Stockton, CA 95210(209) 473-0516View Map

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Choosing an car insurance agent requires you to look at more than just the quoted price. The following questions are important to ask.

How to know if you need help

When it comes to choosing insurance from an agent or online for your vehicles, there really isn’t a one-size-fits-all type of policy. Everyone’s situation is unique.Safe vehicles cost less to insure

Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

One last thing to lower rates

While you’re price shopping online, do not skimp on critical coverages to save a buck or two. In many cases, someone sacrificed collision coverage only to discover later that it was a big error on their part. Your focus should be to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.

Some companies may not have online rate quotes and usually these smaller providers work with independent agents. Cheap Mercury Mountaineer insurance in Stockton can be bought on the web in addition to many Stockton insurance agents, so you should compare both in order to have the best chance of saving money.

Drivers leave their current company for a number of reasons such as denial of a claim, delays in paying claims, high rates after DUI convictions or delays in responding to claim requests. No matter why you want to switch, finding a new company is not as hard as you think.

Additional auto insurance information is located at these links: