Trying to find low-cost insurance for a Mercury Mariner in California can turn out to be an all-consuming task, but you can use our insurance buying tips and make it easy. There is a better way to buy insurance and you need to know the quickest way to compare rates for your Mercury and obtain the lowest price from Santa Ana insurance agents and online providers.
It's smart to check insurance prices periodically since insurance prices trend upward over time. Even if you got the lowest price on Mercury Mariner insurance in Santa Ana last year you will most likely find a better rate quote today. You'll find a ton of advice on Mariner insurance online but in a few minutes you can learn some of the best ways to buy insurance cheaper in Santa Ana.
Rates and information analytics
The table displayed below showcases a range of coverage prices for Mercury Mariner models. Knowing how prices are formulated is important for making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $334 | $544 | $454 | $26 | $136 | $1,494 | $125 |
| Mariner Premier 2WD | $334 | $662 | $454 | $26 | $136 | $1,612 | $134 |
| Mariner AWD | $334 | $662 | $454 | $26 | $136 | $1,612 | $134 |
| Mariner Hybrid 2WD | $334 | $780 | $534 | $32 | $160 | $1,840 | $153 |
| Mariner Premier AWD | $378 | $662 | $454 | $26 | $136 | $1,656 | $138 |
| Mariner Hybrid AWD | $378 | $780 | $534 | $32 | $160 | $1,884 | $157 |
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium amounts do not factor in your specific Santa Ana location which can modify prices greatly.
An analysis of deductible level
When comparing insurance rates, the most common question is how high should your deductibles be. The figures shown below approximate the cost difference when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $380 | $564 | $376 | $22 | $112 | $1,479 | $123 |
| Mariner Premier 2WD | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| Mariner AWD | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| Mariner Hybrid 2WD | $380 | $810 | $442 | $26 | $132 | $1,815 | $151 |
| Mariner Premier AWD | $430 | $686 | $376 | $22 | $112 | $1,651 | $138 |
| Mariner Hybrid AWD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $210 | $298 | $376 | $22 | $112 | $1,018 | $85 |
| Mariner Premier 2WD | $210 | $362 | $376 | $22 | $112 | $1,082 | $90 |
| Mariner AWD | $210 | $362 | $376 | $22 | $112 | $1,082 | $90 |
| Mariner Hybrid 2WD | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| Mariner Premier AWD | $238 | $362 | $376 | $22 | $112 | $1,110 | $93 |
| Mariner Hybrid AWD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can lower or raise rates significantly.
Based on this data, using a $100 deductible will cost in the ballpark of $45 more each month or $540 a year than buying the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 20 months between claims, you would probably save some money by selecting a higher deductible.
The information below shows how different deductible levels and can increase or decrease Mercury Mariner insurance rates for each age group. The data is based on a single male driver, full coverage, and no policy discounts are applied.
Insurance prices based on gender
The diagram below illustrates the difference between Mercury Mariner auto insurance costs for male and female drivers. The costs are based on no claims or driving violations, full coverage, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
Learn How to Lower Your Insurance Rates
Many different elements are used in the calculation when you get a price on insurance. Some are obvious such as your driving record, although others are not quite as obvious such as your marital status or your commute time. An important part of buying insurance is that you know the different types of things that are used to determine the price you pay for auto insurance. If you have a feel for what determines premiums, this enables informed choices that may reward you with lower premium levels.
Small claims can cost you - Auto insurance companies in California provide cheaper rates to people who only file infrequent claims. If you are the type of insured that files lots of claims you can definitely plan on either higher rates or even cancellation. Your car insurance is designed for larger claims.
High performance equals high costs - The make and model of the car you are trying to find cheaper insurance for makes a huge difference in determining your rates. The most favorable rates are usually for low performance passenger cars, but many other things help determine your insurance rates.
The chart below is based on a single female driver age 50, full coverage with $500 deductibles, and no discounts or violations. It compares Mercury Mariner car insurance rates compared to other makes and models that have a range of performances.
Prevent theft and lower prices - Choosing a vehicle with a theft deterrent system can save you some money. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent car theft.
Your career may increase premiums - Jobs such as real estate brokers, air traffic controllers, and emergency personnel usually pay higher premium rates in part from job stress and extremely grueling work hours. Other occupations such as professors, athletes and homemakers have lower than average premiums.
Which auto insurance company is best in California?
Selecting a good quality insurance company is hard considering how many companies provide coverage in California. The company information in the lists below can help you pick which auto insurers you want to consider purchasing from.
Top 10 Santa Ana Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA of Southern California - 92%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- The General - 88%
- 21st Century - 88%
Top 10 Santa Ana Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Keep this in mind when shopping around
In this article, we presented a lot of ways to lower your Mercury Mariner insurance rates in Santa Ana. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Drivers may even discover the most savings is with some of the lesser-known companies. They may only write in your state and offer lower car insurance rates compared to the large companies like Allstate and Progressive.
Some insurance providers may not offer the ability to get a quote online and many times these smaller companies only sell coverage through independent insurance agencies. The cheapest Mercury Mariner insurance in Santa Ana is available on the web as well as from independent agents in Santa Ana, and you should compare rates from both so you have a total pricing picture.
Steps to buying cheaper Mercury Mariner insurance in Santa Ana
If you want to save the most money, the best way to find cheaper quotes for Mercury Mariner insurance in Santa Ana is to regularly compare price quotes from different companies who provide car insurance in California.
- Try to learn a little about how companies price auto insurance and the modifications you can make to keep rates low. Many factors that cause high rates like speeding and a substandard credit score can be improved by being financially responsible and driving safely.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like Progressive and State Farm, while independent agencies can provide rate quotes from many different companies.
- Compare the new rates to your current policy premium to see if a cheaper price is available in Santa Ana. If you can save some money, make sure there is no lapse between the expiration of your current policy and the new one.
- Give notification to your agent or company of your intent to cancel your existing policy. Submit payment and a signed application to your new company or agent. Don't forget to put the proof of insurance certificate with your registration paperwork.
A key point to remember is to try to compare the same level of coverage on each quote and and to compare as many companies as possible. Doing this provides the most accurate price comparison and a better comparison of the market.
More information can be read on the following sites:
- Shopping for a Safe Car (Insurance Information Institute)
- Who Has the Cheapest Santa Ana Car Insurance for a School Permit? (FAQ)
- How Much is Santa Ana Auto Insurance for Drivers Over Age 70? (FAQ)
- Who Has Cheap Car Insurance Rates for Low Mileage Drivers in Santa Ana? (FAQ)
- Learn About Car Insurance (GEICO)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)