The recommended way to find affordable auto insurance rates in Laredo is to regularly compare quotes from different companies who provide auto insurance in Texas. Price quotes can be compared by completing these steps.
First, learn about how companies set rates and the steps you can take to prevent expensive coverage. Many things that cause rate increases like speeding and a not-so-good credit history can be eliminated by making minor changes in your lifestyle.
Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like Progressive or Allstate, while independent agencies can provide price quotes for a wide range of companies.
Third, compare the new rate quotes to your existing coverage to see if switching to a new carrier will save money. If you can save some money and switch companies, ensure coverage does not lapse between policies.
Fourth, give proper notification to your current agent or company of your intention to cancel your existing policy and submit payment along with a signed and completed policy application to the newly selected company. Be sure to place the new certificate of insurance along with your vehicle registration.
One thing to point out is to make sure you’re comparing identical limits and deductibles on every quote request and and to get rate quotes from as many companies as possible. Doing this helps ensure a fair rate comparison and and a good selection of different prices.
Inconceivable but true, about 70% of customers have purchased from the same company for over three years, and practically 40% of insurance customers have never shopped around. The average driver in Laredo could save up to $1,766 each year, but they feel it’s too difficult to compare rates and save money.
The best way we recommend to compare rate quotes for Mercury Mariner insurance in Laredo is to know the fact car insurance companies allow for online access to quote your coverage. The only thing you need to do is provide a little information including how your vehicles are used, if it has an anti-theft system, if you have a valid license, and the year, make and model of vehicles. Your insurance information is instantly sent to many of the top insurers and they respond with quotes with very little delay.
If you would like to start a quote now, click here and complete the form.
The auto insurance companies shown below are ready to provide free rate quotes in Texas. To find the best car insurance in Laredo, we suggest you click on several of them to find the cheapest auto insurance rates.
Car insurance statistics for a Mercury Mariner
The premium table below outlines a range of policy rates for Mercury Mariner models. Having a better understanding of how insurance rates are established can help you make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Mariner 2WD | $318 | $476 | $330 | $20 | $98 | $1,242 | $104 |
| Mariner Premier 2WD | $318 | $580 | $330 | $20 | $98 | $1,346 | $112 |
| Mariner AWD | $318 | $580 | $330 | $20 | $98 | $1,346 | $112 |
| Mariner Hybrid 2WD | $318 | $684 | $388 | $24 | $116 | $1,530 | $128 |
| Mariner Premier AWD | $358 | $580 | $330 | $20 | $98 | $1,386 | $116 |
| Mariner Hybrid AWD | $358 | $684 | $388 | $24 | $116 | $1,570 | $131 |
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate quotes do not factor in vehicle garaging location which can revise rates noticeably.
Does it make sense to buy full coverage?
The chart below visualizes the comparison of Mercury Mariner insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no violations or claims, $100 deductibles, marital status is single, and no discounts are applied to the premium.
When to drop full coverage
There is no clear-cut rule to stop paying for comp and collision coverage, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Mercury Mariner replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after paying the physical damage deductible. If you are paying more than $700 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are some scenarios where buying only liability insurance is not a good idea. If you still have a lienholder on your title, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Local Laredo insurance agencies
A lot of people prefer to have an agent’s advice and we recommend doing that A nice benefit of getting free rate quotes online is that drivers can save money and get the lowest rates and still have a local agent. Buying insurance from local insurance agencies is important especially in Laredo.
After completing this short form, your insurance data is submitted to local insurance agents in Laredo that can give you free Laredo car insurance quotes for your business. It makes it easy because there is no need to contact any insurance agencies as quotes are delivered to the email address you provide. You’ll get the best rates and a licensed agent to work with. If for some reason you want to compare rates from a particular provider, just go to their quote page and fill out their quote form.
When looking for a good Laredo insurance agent, it’s helpful to know the types of insurance agents and how they can service your needs differently. Laredo agents are considered either independent or exclusive.
Independent Insurance Agencies or Brokers
Independent insurance agents are normally appointed by many insurers so they can insure your vehicles with many different companies and get the cheapest rates. If your premiums go up, they can switch companies in-house and you can keep the same agent. When comparison shopping, we highly recommend that you get quotes from a few independent agents so that you have a good selection of quotes to compare.
Below is a partial list of independent agencies in Laredo that may be able to give you comparison quotes.
Alphasure Affordable Insurance Services
1620 Chihuahua St – Laredo, TX 78043 – (956) 729-9500 – View Map
Delgado Insurance Agency, LC
9902 McPherson Rd #6 – Laredo, TX 78045 – (956) 728-7377 – View Map
Medina Wright Insurance
1419 Clark Blvd – Laredo, TX 78040 – (956) 722-4618 – View Map
Exclusive Agents
Exclusive agents can only provide one company’s prices and examples are AAA, Allstate, and State Farm. These agents are unable to shop your coverage around so they really need to provide good service. Exclusive agents are usually quite knowledgeable in insurance sales and that allows them to sell at a higher price point.
Below is a list of exclusive agencies in Laredo who can help you get comparison quotes.
Allstate Insurance Agent: Marcus Moreno
1705 E Del Mar Blvd Ste 105a – Laredo, TX 78041 – (956) 725-4934 – View Map
Farmers Insurance – Rene Benavides
8218 Casa Verde Rd, A-5 – Laredo, TX 78041 – (956) 723-9511 – View Map
Anabella Herbig – State Farm Insurance Agent
315 Calle Del Norte Dr #103 – Laredo, TX 78041 – (956) 725-1617 – View Map
Picking the best car insurance agent needs to be determined by more than just a cheap price quote. Below are some questions you should ask.
- How will an accident affect your rates?
- In the event of vehicle damage, can you pick the collision repair facility?
- How long has the business existed?
- Are there any extra charges for paying monthly?
- Do the companies they represent have a solid financial rating?
- Which family members are covered?