Would you like to save money by finding the cheapest insurance rates in San Diego, CA? San Diego drivers have a choice when trying to find low-cost Mercury Sable insurance. You can either waste hours calling around trying to get quotes or use the internet to make rate comparisons. There are more efficient ways to compare insurance rates and you need to know the proper way to price shop coverage for a new or used Mercury and find the cheapest rates from both online companies and San Diego agents.
Astonishing but true, the majority of drivers kept their policy with the same company for a minimum of four years, and approximately 38% of consumers have never quoted rates to find affordable coverage. With the average insurance premium being $1,847, American drivers could pocket almost $859 a year by just comparing quotes, but they don’t know how much they could save if they switched to a more affordable policy.
Consumers need to do rate comparisons occasionally since insurance prices change quite often. Even if you think you had the lowest rates on Mercury Sable insurance in San Diego two years ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about insurance because we’re going to show you the things you must know in order to remove unneeded coverages and save money.
Finding low cost insurance prices is actually quite simple. The only requirement is to take a few minutes getting comparison quotes from online providers.
The companies shown below can provide price comparisons in California. If the list has multiple companies, we recommend you visit two to three different companies in order to get a fair rate comparison.
Companies offer many discounts on Mercury Sable insurance in San Diego
Auto insurance is not an enjoyable expense, but you may qualify for discounts that you may not even be aware of. Some discounts will apply when you quote, but a few must be manually applied before they will apply. If you do not check that you are getting every discount you deserve, you are paying more than you should be.
- Discounts for Good Drivers – Drivers who avoid accidents can save as much as half off their rates than less cautious drivers.
- Service Members Pay Less – Having an actively deployed family member could trigger a small discount.
- Government Employee Discount – Being employed by or retired from a federal job can earn a discount up to 10% depending on your auto insurance provider.
- Telematics Data Discounts – People who choose to allow companies to scrutinize their driving habits by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they are good drivers.
- Include Life Insurance and Save – If the company offers life insurance, you could get a break if you buy life insurance from them.
- New Car Discount – Putting coverage on a new Sable can save up to 30% since newer models have better safety ratings.
- Defensive Driver – Successfully completing a safe driver course could possibly earn you a 5% discount and make you a better driver.
Don’t be shocked that most of the big mark downs will not be given to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way.
Car insurance companies that may include these discounts include:
When getting free San Diego car insurance quotes, it’s a good idea to every company to apply every possible discount. Some of the discounts discussed earlier may not be available in San Diego. To find insurance companies offering auto insurance discounts in San Diego, follow this link.
You may require the services of a local insurance agent
Some consumers would prefer to have an agent’s advice and there is nothing wrong with that. Professional agents are highly skilled in risk management and help file insurance claims. One of the benefits of comparing insurance prices online is you can get cheap rate quotes but also keep your business local.
For easy comparison, once you complete this short form, your insurance data is instantly submitted to companies in San Diego who will give you quotes for your insurance coverage. You never need to drive around because prices are sent immediately to you. If for some reason you want to get a price quote from one company in particular, just jump over to their website and submit a quote form there.
Deciding on an company is decision based upon more than just the premium amount. Below are some questions you should ask.
- How often do they review coverages?
- How will an accident affect your rates?
- Who is covered by the car insurance policy?
- Where are claims handled?
- How much training do they have in personal risk management?
- Is the agency active in community causes in San Diego?
- Are they in the agency full-time?
- What kind of financial rating does the company have?
The following are San Diego auto insurance companies that may be willing to give rate quotes for Mercury Sable insurance in San Diego.
- San Diego Insurance
4411 Mercury St #105b – San Diego, CA 92111 – (858) 565-6695 – View Map
- Anchor General Insurance Agency-Texas
10256 Meanley Dr – San Diego, CA 92131 – (858) 527-3600 – View Map
- Allstate Insurance: Patrick Wang
8650 Genesee Ave Ste 108 – San Diego, CA 92122 – (858) 623-3344 – View Map
- Deryk Inn – State Farm Insurance Agent
3633 Camino del Rio S #100 – San Diego, CA 92108 – (619) 362-4820 – View Map
Auto insurance coverages explained
Understanding the coverages of your auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.
Liability car insurance
This can cover injuries or damage you cause to other people or property. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 15/30/5 which means a $15,000 limit per person for injuries, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property.
Liability insurance covers claims like legal defense fees, court costs and structural damage. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford. California state minimum liability requirements are 15/30/5 but it’s recommended drivers buy more coverage.
Medical costs insurance
Coverage for medical payments and/or PIP reimburse you for bills like prosthetic devices, ambulance fees, rehabilitation expenses, hospital visits and chiropractic care. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Mercury Sable.
Since many California drivers only purchase the least amount of liability that is required (15/30/5 in California), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.
Comprehensive or Other Than Collision
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as damage from a tornado or hurricane, a broken windshield and hitting a deer. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Collision coverage protection
Collision coverage covers damage to your Sable from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as colliding with another moving vehicle, colliding with a tree, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible on your Sable to save money on collision insurance.
One last note
People switch companies for a variety of reasons including denial of a claim, high rates after DUI convictions, extreme rates for teen drivers and lack of trust in their agent. Regardless of your reason for switching companies, finding a new company is not as hard as you think.
As you restructure your insurance plan, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. Your goal is to purchase plenty of coverage at the best possible price and still be able to protect your assets.
Discount Mercury Sable insurance in San Diego can be found from both online companies and from local insurance agents, so you should compare both to have the best rate selection. A few companies may not offer price quotes online and these small, regional companies work with independent agencies.
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- How Much is Auto Insurance for Real Estate Agents in San Diego? (FAQ)
- How Much is Auto Insurance for Lyft Drivers in San Diego? (FAQ)
- What Auto Insurance is Cheapest for Postal Workers in San Diego? (FAQ)
- Drunk Driving Statistics (Insurance Information Institute)
- Alcohol Impaired Driving FAQ (iihs.org)