Compare Mercury Milan Insurance Rates in San Francisco

Insurance quote for Mercury Milan in San FranciscoThe recommended way to get discount auto insurance rates in San Francisco is to annually compare prices from providers in California.

A good tip to remember is to use identical coverage information on each quote request and and to get quotes from as many different companies as possible. Doing this guarantees a fair rate comparison and a complete price analysis.

It’s hard to fathom, but the majority of drivers have stayed with the same insurance company for more than four years, and virtually 40% of consumers have never compared rates from other carriers. Drivers in America could save roughly 46.5% every year, but they just don’t understand the amount of savings they would get if they swap their current policy for a cheaper one.

The companies shown below are our best choices to provide comparison quotes in California. If several companies are displayed, it’s highly recommended you visit several of them in order to get a fair rate comparison.

Auto insurance statistics for a Mercury Milan

The coverage information shown next highlights detailed analysis of insurance coverage prices for Mercury Milan models. Being able to understand how policy rates are established can help customers make decisions when choosing a new policy provider.

Mercury Milan Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Milan $204 $354 $384 $22 $114 $1,078 $90
Milan Premier $204 $418 $384 $22 $114 $1,142 $95
Milan Premier AWD $230 $418 $384 $22 $114 $1,168 $97
Milan Hybrid $230 $418 $450 $26 $134 $1,258 $105
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in specific location information which can increase or decrease price quotes greatly.

Physical damage deductible comparison

The hardest decision when buying coverage is how high should the physical damage deductibles be. The premium rates below summarize the differences in premium rates between high and low physical damage coverage deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Mercury Milan insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Milan $380 $686 $376 $22 $112 $1,601 $133
Milan Premier $380 $810 $376 $22 $112 $1,725 $144
Milan Premier AWD $430 $810 $376 $22 $112 $1,775 $148
Milan Hybrid $430 $810 $442 $26 $132 $1,865 $155
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Mercury Milan insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Milan $278 $464 $376 $22 $112 $1,252 $104
Milan Premier $278 $546 $376 $22 $112 $1,334 $111
Milan Premier AWD $314 $546 $376 $22 $112 $1,370 $114
Milan Hybrid $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 claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in the specific area where the vehicle is garaged which can influence coverage prices considerably.

Based on these figures, using a $100 deductible costs roughly $32 more each month or $384 each year than requesting the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 13 months between claim filings, you would come out ahead going with the higher deductible.

How to determine if a higher deductible is a good idea

Average monthly premium for $100 deductibles: $145
Average monthly premium for $500 deductibles (subtract): – $113
Monthly savings from raising deductible: $32
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One important issue to know is that a higher deductible means you will have to pay more of your own money when you file a claim. You need to have some extra savings in the event you need to pay more for the deductible.

Difference between liability only and full coverage rates

The illustration below illustrates the comparison of Mercury Milan insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on a clean driving record, no at-fault accidents, $500 deductibles, single marital status, and no discounts are applied to the premium.

When to switch to liability coverage only

There isn’t a steadfast formula of when to drop full coverage, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s assume your Mercury Milan claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after paying the physical damage deductible. If you are paying more than $400 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some conditions where dropping physical damage coverage is not advised. If you haven’t satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Lower your auto insurance rates with discounts

Not too many consumers would say auto insurance is affordable, but you may be missing some discounts that you may not even be aware of. Some of these discounts will be visible at the time you complete a quote, but less common discounts must be inquired about before being credited.Discount auto insurance

As is typical with insurance, some credits don’t apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. So even though they make it sound like you can get free auto insurance, auto insurance companies aren’t that generous.

The illustration below shows the difference between Mercury Milan yearly insurance costs with and without discounts applied. The data assumes a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, claim-free, homeowner, and multi-policy discounts applied.

To see a list of providers who offer online Mercury Milan insurance quotes in California, click here to view.

Insurance is not optional but you don’t have to overpay

Despite the high cost of buying insurance for a Mercury Milan in San Francisco, insurance serves several important purposes.

The benefits of having insurance greatly outweigh the cost, particularly when you have a large claim. But the average driver in California overpays more than $850 per year so you should quote your policy with other companies at least once a year to ensure rates are inline.

Comparing prices from local San Francisco auto insurance agents

Some people just want to visit with an insurance agent and often times that is recommended Agents will help you protect your assets and help submit paperwork. A good thing about getting free rate quotes online is you may find cheap insurance rates but still work with a licensed agent.

To find an agent, once you fill out this form (opens in new window), the coverage information is sent to insurance agents in San Francisco who will return price quotes for your insurance coverage. You won’t need to leave your house because quoted prices will be sent to your email. If you need to get a rate quote for a specific company, you just need to go to their quote page and fill out their quote form.

Deciding on a insurance company shouldn’t rely on just a cheap price. Agents should be asked these questions:

Pick the best car insurance agent in San Francisco for you

If you want to use a good San Francisco insurance agent, there are two different types of agencies from which to choose. Insurance agents in San Francisco are classified as either independent agents or exclusive agents depending on their employer. Both do a good job, but it’s important to point out how they are different because it can influence which type of agent you select.

Exclusive Agents

Exclusive agents can only provide one company’s prices like Farmers Insurance or State Farm. Exclusive agencies are unable to provide other company’s prices so keep that in mind. These agents are well schooled on their company’s products which can be an advantage.

The following are exclusive agencies in San Francisco willing to provide price quote information.

4198 Mission StSan Francisco, CA 94112(415) 587-1880View Map

Cliff Young – State Farm Insurance Agent
1636 Irving St aSan Francisco, CA 94122(415) 665-5118View Map

Traci Hollander – State Farm Insurance Agent
1501 Church StSan Francisco, CA 94131(415) 647-3007View Map

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Independent Insurance Agents

Independent agencies are appointed with more than one company and that gives them the ability to insure with lots of companies and find you the best rates. If you are not satisfied with one company, your policy is moved internally without you having to go to a different agency.

When searching for an agent, it’s recommended you get some free quotes from multiple independent agents so that you have a good selection of quotes to compare.

Below are San Francisco independent insurance agents that are able to give price quote information.

2126 Sutter StSan Francisco, CA 94115(415) 567-7660View Map

3150 California St Ste 4ASan Francisco, CA 94115(415) 922-7283View Map

544 Golden Gate AveSan Francisco, CA 94102(415) 212-8190View Map

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