Cheap Mercury Mountaineer Insurance in Bakersfield

Has it been over a year since you last compared quotes for low-cost Mercury Mountaineer insurance in Bakersfield? There isn’t a single person who anticipates paying for car insurance, especially when they know they could find lower prices if they just compared rates.

Discount Mercury Mountaineer insuranceIt’s an obvious conclusion that car insurance companies want to keep you from shopping around. People who shop for lower rates will probably switch to a new company because of the good chance of finding a more affordable policy premium. A study discovered that consumers who compared prices regularly saved about $865 a year compared to policyholders who never compared rates.

If saving the most money on insurance in Bakersfield is your ultimate goal, knowing the best way to shop and compare auto insurance can help simplify the process.

How to find more affordable Mercury Mountaineer insurance in Bakersfield

Really, the only way to save money on Mercury Mountaineer insurance is to regularly compare prices from insurers in Bakersfield. Price quotes can be compared by following these guidelines.

An essential thing to point out is to compare identical deductibles and limits on each quote request and and to get price quotes from all possible companies. Doing this guarantees the most accurate price comparison and a complete selection of prices.

Insurance companies such as GEICO and Progressive promote their brand names with fancy advertisements and it is difficult to see past the corporate glitz and do the work needed to find the best deal.

If you are paying for car insurance now, you will definitely be able to find the best rates using the concepts you’re about to learn. Locating the best rates in Bakersfield is not that difficult as long as you know where to start. Nevertheless, California consumers do need to know how companies compete online.

Companies offering Mercury Mountaineer insurance in Bakersfield

The companies in the list below offer free rate quotes in California. If multiple companies are shown, we suggest you visit as many as you can in order to get a fair rate comparison.

Analysis of coverages

The data table shown below covers different insurance rates for Mercury Mountaineer models. Having a good grasp of how insurance quotes are formulated can be useful when making informed coverage decisions.

Mercury Mountaineer Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Mountaineer 2WD $294 $564 $500 $30 $150 $1,538 $128
Mountaineer AWD $332 $564 $500 $30 $150 $1,576 $131
Mountaineer Premier 2WD $332 $664 $500 $30 $150 $1,676 $140
Mountaineer Premier AWD $332 $664 $500 $30 $150 $1,676 $140
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price information does not factor in Bakersfield location which can alter auto insurance rates significantly.

Raise deductibles and save

When comparing insurance rates, the most common question is which comprehensive and collision deductibles to buy. The following tables may help to conceptualize the rate fluctuation when you select higher and lower physical damage deductibles. The first price estimate table uses a $100 deductible for comp and collision and the second set of prices 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
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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 multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium amounts do not factor in specific location which can decrease or increase insurance rates greatly.

We can derive from the above data that using a $100 deductible will cost you about $47 more each month or $564 annually 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 average at a minimum 19 months between claims, you would most likely save money if you opt for a higher deductible. Here is an example of how you can make your own decision.

Average monthly premium for $100 deductibles: $149
Average monthly premium for $1,000 deductibles (subtract): – $102
Monthly savings from raising deductible: $47
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $47
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One important issue to know is that a higher deductible level means you pay more out-of-pocket when you do file a claim. That will force you to have enough money put aside in the event you have to pay the higher deductible.

Full coverage or liability only

The example below illustrates the comparison of Mercury Mountaineer insurance prices when comparing full coverage to state minimum liability only. The data assumes no violations or claims, $100 deductibles, drivers are single, and no policy discounts are applied.

When to switch to liability coverage only

There is no clear-cut rule of when to drop full coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Mercury Mountaineer replacement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after paying your deductible. If it’s costing in excess of $400 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are a few cases where removing full coverage is not advised. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Cheaper rates by applying discounts

Some insurers don’t list every possible discount very well, so the list below contains both the well known and the more hidden auto insurance savings.Cheaper auto insurance with discounts

While discounts sound great, it’s important to understand that most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think you can get free auto insurance, companies wouldn’t make money that way.

The example below compares Mercury Mountaineer insurance premiums with and without discounts applied to the policy rates. The premium estimates are based on a male 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 marriage, homeowner, claim-free, safe-driver, multi-car, and multi-policy discounts applied.

The best auto insurance companies and the discounts they provide can be found below.

When getting a coverage quote, ask every prospective company to apply every possible discount. Some of the discounts discussed earlier might not apply in your area. If you would like to see a list of auto insurance companies that offer multiple discounts in Bakersfield, click here to view.

How Your Mountaineer Insurance Costs are Determined

Many things are part of the equation when pricing auto insurance. Some are pretty understandable such as your driving record, but others are less obvious such as whether you are married or your commute time. A large part of saving on car insurance is knowing the rating factors that aid in calculating car insurance rates. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find lower premium levels.

The items below are some of the most common factors used by your company to calculate your prices.

When to talk to an agent

Many people just want to buy from a local agent and doing that can be a smart decision A good thing about getting free rate quotes online is you can get cheap rate quotes and also buy local. And buying from local insurance agents is still important in Bakersfield.

Insurance agents in BakersfieldOnce you complete this form (opens in new window), your insurance data gets sent to insurance agents in Bakersfield who can give free rate quotes and help you find cheaper coverage. You won’t even need to search for any insurance agencies since rate quotes are delivered immediately to you. Get lower rates and work with a local agent. If you have a need to compare prices from a specific insurance provider, you would need to visit that company’s website and give them your coverage information.

If you want to buy insurance from a reliable insurance agent, you should know the different types of agencies and how they work. Agencies in Bakersfield are considered either exclusive or independent agents depending on their company appointments.

Independent Insurance Agencies or Brokers

Agents that elect to be independent often have affiliation with several companies so they can quote policies with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier which is easy for the insured. When searching for an agent, we highly recommend that you get rate quotes from a few independent agents to have the best price comparison.

Below are independent insurance agents in Bakersfield that can possibly get you price quotes.

1515 20th StBakersfield, CA 93301(661) 283-8100View Map

4141 Ming AveBakersfield, CA 93309(559) 783-9550View Map

B, 4900 California Ave #210Bakersfield, CA 93309(661) 377-2978View Map

View more Bakersfield agents

Exclusive Insurance Agents

These type of agents normally can only provide a single company’s rates and some examples include State Farm, Allstate, and Farm Bureau. Exclusive agents cannot compare other company’s rates so they have no alternatives for high prices. Exclusive agents are usually quite knowledgeable on their company’s products which aids in selling service over price.

Listed below are exclusive agents in Bakersfield that are able to give comparison quotes.

1528 18th StBakersfield, CA 93301(661) 327-8621View Map

9720 Brimhall Rd Ste 200Bakersfield, CA 93312(661) 588-1140View Map

3400 Panama Ln hBakersfield, CA 93313(661) 229-4008View Map

View more Bakersfield agents

Finding the right insurance agency requires more thought than just the bottom line cost. Some important questions to ask are:

After talking to the agent and getting positive responses to any questions you may have as well as affordable Mercury Mountaineer insurance rates in Bakersfield quotes, chances are good that you have found a car insurance agent that is reliable enough to adequately provide insurance.

Auto insurance companies ranked

Finding a good quality auto insurance provider is hard considering how many choices you have in Bakersfield. The company ratings in the next section may help you pick which coverage providers you want to consider comparing rate quotes with.

Best Auto Insurance Companies in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Find cheap rates by comparing often

While you’re price shopping online, never skimp on critical coverages to save a buck or two. In too many instances, an insured dropped full coverage to discover at claim time that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at an affordable rate, but don’t skip important coverages to save money.

We just presented many tips how you can get a better price on Mercury Mountaineer insurance in Bakersfield. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even be surprised to find that the most savings is with the smaller companies. They may have significantly lower prices on certain market segments compared to the large companies like Allstate, GEICO and Progressive.

How to find low-cost Mercury Mountaineer insurance in Bakersfield

If you want to save money, the best way to find low-cost prices for Mercury Mountaineer insurance in Bakersfield is to start doing a yearly price comparison from insurers that sell auto insurance in California. Prices can be compared by following these steps.

First, read about what coverages are included in your policy and the changes you can make to keep rates in check. Many risk factors that cause high rates such as speeding tickets, careless driving and a low credit rating can be rectified by improving your driving habits or financial responsibility.

Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like Progressive or Farmers Insurance, while independent agents can quote rates from multiple sources.

Third, compare the new rates to your existing rates and see if you can save money. If you find a lower rate and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.

The key thing to know about shopping around is to use the same level of coverage on each quote and and to analyze as many auto insurance providers as possible. Doing this guarantees a level playing field and a complete rate analysis.

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