The preferred way to get affordable Mercury Mariner insurance is to start doing an annual price comparison from companies who can sell car insurance in Bakersfield. You can shop around by completing these steps.
- First, try to learn a little about car insurance and the things you can change to lower rates. Many risk factors that drive up the price like traffic violations, accidents, and an imperfect credit history can be controlled by improving your driving habits or financial responsibility. Later in this article we will cover tips to prevent expensive rate increases and get bigger discounts that may have been overlooked.
- Second, compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like Progressive and State Farm, while independent agents can quote rates from many different companies.
- Third, compare the new quotes to your existing policy to see if a cheaper rate is available in Bakersfield. If you can save some money and change companies, ensure there is no coverage lapse between policies.
An important note is to make sure you’re comparing identical limits and deductibles on every quote and and to get quotes from as many different companies as possible. This provides an apples-to-apples comparison and plenty of rates choose from.
Anyone knows that auto insurance companies don’t want customers comparing rates. Insureds who shop around annually will presumably move their business because there is a great chance of finding a lower-priced policy. A recent survey found that consumers who routinely compared quotes saved an average of $850 each year compared to policyholders who don’t regularly compare prices.
If finding the lowest rates on Mercury Mariner insurance is the reason you’re here, then having some insight into how to get price quotes and compare cheaper coverage can help make the process easier.
Choosing the best rates in Bakersfield can really be easy if you know what you’re doing. If you have coverage now, you stand a good chance to be able to find the best rates using these techniques. You only need to know the most effective way to compare rate quotes online from multiple companies.
All major insurance companies such as State Farm, GEICO and Progressive allow consumers to get prices directly from their websites. This process is possible for anyone as you simply enter your coverage information into the quote form. Once you submit the form, the system obtains reports for credit and driving violations and generates pricing information based on the information you submitted.
Being able to quote online for Mercury Mariner insurance in Bakersfield streamlines rate comparisons, and it is important to do this if you want to get the cheapest price possible.
To compare rates now, compare rate quotes from the providers shown below. To compare your current rates, we recommend you complete the form with coverages and limits exactly as shown on your declarations page. Using the same limits helps guarantee you will have comparison quotes using the exact same coverages.
The companies in the list below have been selected to offer comparison quotes in California. If multiple companies are shown, it’s a good idea that you visit two to three different companies in order to get a fair rate comparison.
Insurance discounts are available for cheaper rates
Buying insurance is not cheap, but you may qualify for discounts to cut the cost considerably. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be asked for before they will apply.
- E-sign Discounts – Certain companies provide a small discount simply for signing over the internet.
- Safety Course Discount – Taking time to complete a course in driver safety could earn you a small percentage discount and make you a better driver.
- More Vehicles More Savings – Drivers who insure multiple vehicles with the same company can reduce the rates for all insured vehicles.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will qualify for a discount on a Bakersfield car insurance quote.
- Low Mileage Discounts – Fewer annual miles on your Mercury could earn cheaper rates.
- Seat Belt Discounts – Drivers who require all vehicle occupants to fasten their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
- Renewal Discounts – A few larger companies offer discounts for switching to them before your current expiration date. This discount can save up to 10%.
- ABS Braking Discount – Vehicles that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
- Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase a life policy as well.
You can save money using discounts, but most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, you’re out of luck. But all discounts will definitely reduce your insurance premiums.
The chart below shows the difference between Mercury Mariner car insurance rates with and without discounts applied. The price estimates are based on a male driver, no accidents, no driving violations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, multi-car, claim-free, and safe-driver discounts applied.
A partial list of companies that may offer policyholders most of the discounts above may include but are not limited to:
Before buying, ask every insurance company to apply every possible discount. Some discounts may not apply to policyholders in your area. For a list of companies who offer insurance discounts in California, follow this link.
Detailed insurance information
The premium table shown below outlines a range of rate quotes for Mercury Mariner models. Having a good understanding how insurance quotes are figured is important for drivers to make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $270 | $374 | $384 | $22 | $114 | $1,164 | $97 |
| Mariner Premier 2WD | $270 | $454 | $384 | $22 | $114 | $1,244 | $104 |
| Mariner AWD | $270 | $454 | $384 | $22 | $114 | $1,244 | $104 |
| Mariner Hybrid 2WD | $270 | $536 | $450 | $26 | $134 | $1,416 | $118 |
| Mariner Premier AWD | $304 | $454 | $384 | $22 | $114 | $1,278 | $107 |
| Mariner Hybrid AWD | $304 | $536 | $450 | $26 | $134 | $1,450 | $121 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in your specific Bakersfield location which can revise coverage rates greatly.
Can higher deductibles save money?
One of the more difficult decisions when buying auto insurance is at what level do you set your deductibles. The rates shown below approximate the rate difference between high and low insurance deductibles. The first data table uses a $100 physical damage coverage deductible and the second pricing table uses a $500 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 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $278 | $382 | $376 | $22 | $112 | $1,170 | $98 |
| Mariner Premier 2WD | $278 | $464 | $376 | $22 | $112 | $1,252 | $104 |
| Mariner AWD | $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 Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in specific garaging location which can raise or lower rates significantly.
Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $30 more each month or $360 annually across all Mercury Mariner models than quoting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 13 months between claim filings, you would probably save some money if you elect the higher deductible. The table below illustrates how you can decide this on your own policy.
| Average monthly premium for $100 deductibles: | $139 |
| Average monthly premium for $500 deductibles (subtract): | – $109 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
One important note is that increasing deductibles to lower your rates means you will have to cover more of the damage yourself when you file a claim. It will be required that you have enough disposable savings in the event you need to pay more to get your vehicle repaired.
Rate difference between full and liability-only coverage
The example below illustrates the comparison of Mercury Mariner yearly insurance costs with liability coverage only compared to full coverage. The rates are based on no claims or driving citations, $500 deductibles, drivers are single, and no discounts are applied to the premium.
When to eliminate full coverage
There is no definitive rule of when to drop full coverage, but there is a general school of thought. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s say your Mercury Mariner settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after paying the physical damage deductible. If you are paying in excess of $800 a year for physical damage coverage, then you might want to think about dropping full coverage.
There are some circumstances where removing full coverage is not in your best interest. If you haven’t paid off your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Smart Consumers Can Lower Their Insurance Prices
Many different elements are part of the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but other factors are less apparent such as whether you are married or your commute time. It’s important that you understand some of the elements that help determine your car insurance rates. If you understand what impacts premium levels, this allows you to make good choices that may reward you with much lower annual insurance costs.
The itemized list below are some of the major factors companies use to determine your prices.
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Gender impacts premiums – Over time, data shows women tend to be less risk to insure than men. It does not mean females are better at driving than males. They both are in fender benders in similar numbers, but men have accidents that have higher claims. Men also statistically receive more major tickets such as DWI and reckless driving.
The illustration below illustrates the difference between Mercury Mariner yearly insurance costs for male and female drivers. The price estimates are based on no accidents or driving violations, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are taken into consideration.
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Careless drivers pay higher costs – Having a clean driving record impacts premiums far more than you think. Just one moving violation can increase rates by as much as twenty percent. Drivers with clean records get better rates compared to bad drivers. Drivers with license-revoking tickets like DUI or willful reckless driving might be required by their state to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
The information below shows how traffic citations and fender-benders raise Mercury Mariner auto insurance costs for each different age group. The premiums assume a married female driver, full coverage, $250 deductibles, and no discounts are factored in.
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High performance equals high costs – The type of car, truck or SUV you own makes a huge difference in your car insurance bill. The most favorable rates will generally be found on economy passenger vehicles, but that’s not the only thing that factors into the final price.
The next chart is based on a married female driver age 50, full coverage with $250 deductibles, and no discounts or violations. It illustrates Mercury Mariner insurance rates compared to other makes and models that have a range of risk factors.
- Deter theft and pay less – Purchasing a vehicle that has a built-in theft deterrent system can help lower your premiums. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
You may want advice from an insurance agency
Many people would prefer to talk to an insurance agent and we recommend doing that Good agents are highly skilled in risk management and help in the event of a claim. A good thing about comparing insurance prices online is the fact that drivers can get the best rates and still have an agent to talk to.
To make it easy to find an agent, after completing this quick form, your insurance data gets sent to agents in your area that provide free Bakersfield car insurance quotes to get your business. You never need to leave your computer because quoted prices will be sent directly to your email. If for some reason you want to get a comparison quote from a specific insurance provider, you would need to visit that company’s website and give them your coverage information.
Picking a insurance company requires more thought than just the premium amount. Here are some questions you should ask.
- Are they in the agency full-time?
- How much experience to they have in personal lines coverages?
- Do they specialize in personal lines auto insurance in Bakersfield?
- Does the company have a local claim office in Bakersfield?
- Can they give you a list of client referrals?
Insurance agent types
If you are searching for a reliable agent, there are a couple of types of agencies and how they differ in how they can insure your vehicles. Insurance agencies in Bakersfield are either exclusive or independent (non-exclusive). Both provide insurance policies, but it’s worth learning the difference in the companies they write for because it can impact buying decisions.
Exclusive Agents
Exclusive agencies can only provide one company’s prices like State Farm, Allstate and AAA. Exclusive agents are unable to give you multiple price quotes so they have no alternatives for high prices. They are usually well trained on their company’s products which helps them compete with independent agents. Many people use the same exclusive agent primarily because of the prominent brand name and solid financial strength.
Shown below are Bakersfield exclusive agents who can help you get rate quotes.
- Rosie Schweer – State Farm Insurance Agent
4200 Gosford Rd #103 – Bakersfield, CA 93313 – (661) 396-7961 – View Map - Abir M Pulskamp – State Farm Insurance Agent
1100 Mohawk St #240 – Bakersfield, CA 93309 – (661) 322-3338 – View Map - Farmers Insurance – James Burton Jr.
1309 S H St – Bakersfield, CA 93307 – (661) 836-1300 – View Map
Independent Insurance Agents
Agents of this type are normally appointed by many insurers so they can insure your vehicles with many different companies and find the cheapest insurance rates. If they quote lower rates, your agent can switch companies which is easy for the insured.
If you are trying to find cheaper rates, we recommend you get rate quotes from independent agents to get the best comparison. Most independent agents also contract with companies that do not advertise much which could offer lower prices.
Below are Bakersfield independent insurance agents who can help you get price quotes.
- Nationwide Insurance: Michaud Insurance Agency Inc
201 California Ave – Bakersfield, CA 93304 – (661) 633-9900 – View Map - California Insurance Specialist
1601 New Stine Rd # 100 – Bakersfield, CA 93309 – (661) 397-3944 – View Map - Paul Sheldon Insurance and Benefits Planning
5251 Office Park Dr #100 – Bakersfield, CA 93309 – (661) 398-2298 – View Map
Upon receiving good answers to all your questions and a good coverage price, chances are good that you have found a car insurance agent that is reputable and can adequately provide insurance.
One last thing to lower rates
We just presented some good ideas how you can save on Mercury Mariner insurance in Bakersfield. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even discover the best price on car insurance is with a small local company.
Lower-priced car insurance in Bakersfield is attainable online and from local agencies, so get free Bakersfield car insurance quotes from both of them in order to have the best chance of saving money. Some car insurance companies don’t offer price quotes online and these regional insurance providers provide coverage only through independent agents.
As you restructure your insurance plan, never reduce coverage to reduce premium. There have been many cases where an insured cut physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The goal is to buy the best coverage you can find at the lowest possible cost.
Additional car insurance information can be read at these links:
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Who Has Affordable Car Insurance Rates for Veterans in Bakersfield? (FAQ)
- Who Has Affordable Bakersfield Auto Insurance Rates for High Mileage Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a 20 Year Old Male in Bakersfield? (FAQ)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Your Car has been Stolen: Now What? (Allstate)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Property Damage Coverage (Liberty Mutual)