1997 Mercury Mystique Car Insurance Rates – 5 Ways to Save

Trying to find cheaper insurance for your Mercury Mystique can be an all-consuming task, but you can follow our car insurance buying tips to find lower rates.

There is a right way and a wrong way to shop for car insurance and you need to know the quickest way to quote coverages for your Mercury and find the best price possible.

You should make it a habit to take a look at other company’s rates before your policy renews since insurance rates are usually higher with each renewal. Even if you think you had the best premium rates for Mystique insurance two years ago a different company probably has better prices today. There is too much inaccurate information about car insurance online, but in this article, you’re going to get the best ways to slash your car insurance rates.

Lower your auto insurance rates with these five discounts

Properly insuring your vehicles can get expensive, but there could be significant discounts that you may not know about. Some trigger automatically when you purchase, but less common discounts must be specially asked for before you get the savings. If you’re not getting every credit available, you’re paying more than you need to.

• Federal Employees – Employees or retirees of the government may reduce rates when you quote car insurance for Mystique insurance depending on your company.
• Discounts for Seat Belt Usage – Drivers who require all occupants to use their safety belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Claim-Free Discount – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
• Policy Bundle Discount – When you combine your auto and home insurance with one insurance company you could earn a discount of at least 10 to 15 percent or more.
• Senior Discount – Older drivers are able to get a small discount on rates for Mystique insurance.

It’s important to note that most discounts do not apply to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Larger auto insurance companies and a selection of discounts are shown below.

• AAA may include discounts for AAA membership discount, multi-car, good student, multi-policy, and pay-in-full.
• Progressive offers discounts for multi-vehicle, online quote discount, multi-policy, good student, homeowner, and online signing.
• State Farm includes discounts for defensive driving training, accident-free, safe vehicle, Steer Clear safe driver discount, driver’s education, and multiple policy.
• Esurance offers premium reductions for Switch & Save, homeowner, defensive driver, good driver, emergency road assistance, and good student.
• Nationwide has discounts for defensive driving, accident-free, good student, family plan, Farm Bureau membership, and anti-theft.

If you are trying to find inexpensive car insurance quotes, ask every insurance company which discounts you qualify for. A few discounts may not be available everywhere. To locate providers that offer some of these discounts, click here to view.

How to shop insurance coverage online

Finding low cost 1997 Mercury Mystique insurance coverage rates can be surprisingly simple. You just have to spend a little time comparing rates from online providers. This can easily be done in several different ways.

• If you’re in a hurry, the quickest way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This method eliminates the need for boring form submissions for each price estimate. In just a few minutes this one form gets you coverage quotes from insurance coverage companies with the best prices. This is by far the quickest method.
• A less efficient way to get comparison quotes consists of going to the website for every company you want to comare and request a quote. For example, we’ll pretend you want to get rates from Progressive, Liberty Mutual and Travelers. To get rate quotes you would need to spend time on each company’s site and repeatedly enter your information, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.
• The least recommended way to find and compare rates is driving to insurance agencies in your area. Comparing rates online has made agencies unnecessary unless your situation requires the trained guidance only provided by licensed agents. You can, however, obtain prices from the web and have a local agent actually service the policy.

However you get your quotes, make sure you compare equivalent quote data for every company. If each company quotes higher or lower deductibles it’s impossible to truly determine the lowest rate.

You are unique and your insurance coverage should be too

When buying adequate coverage, there really is no perfect coverage plan. Everyone’s needs are different.

For instance, these questions can help discover if your insurance needs might need professional guidance.

• Do I need roadside assistance coverage?
• What are the financial responsibility laws in my state?
• Can I make deliveries for my home business?
• Do I have any recourse if my insurance company denies a claim?
• When do I need to add a new car to my policy?
• Does my policy pay for OEM or aftermarket parts?
• Why am I be forced to buy a membership to get insurance from some companies?
• Do I need PIP (personal injury protection) coverage in my state?
• What can I do if my company denied a claim?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Are you falling for claims of savings?

Consumers can’t ignore all the ads that claim the cheapest rates by companies like Geico, State Farm and Progressive. They all seem to tend to make the same promise about savings if you just switch your policy.

How can each company charge you less for auto insurance?

Most companies give the cheapest rates for a prospective insured that will add to their bottom line. For example, a profitable insured might be a married female, has few claims, and drives a safe vehicle. A customer getting a price quote that meets those criteria receive the lowest rate quotes and therefore will cut their rates substantially.

People who don’t meet this ideal profile may receive higher premiums which leads to the customer buying from someone else. If you listen closely, the ads state “drivers who switch” not “everyone who quotes” save money. That is how insurance companies can confidently make the claims of big savings.

Because of these techniques, you need to get as many free car insurance quotes as possible. It’s impossible to know the company that will have the best rates for your profile.

Auto insurance coverages 101

Learning about specific coverages of auto insurance can help you determine appropriate coverage and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring.

Medical costs insurance – Med pay and PIP coverage pay for bills for dental work, doctor visits, X-ray expenses, funeral costs and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage – Collision insurance will pay to fix damage to your Mystique resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as driving through your garage door, scraping a guard rail, sustaining damage from a pot hole, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Liability coverages – Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like structural damage, repair costs for stationary objects, loss of income and pain and suffering. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

UM/UIM Coverage – This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive or Other Than Collision – This covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, a tree branch falling on your vehicle and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Smart shoppers get results

The cheapest 1997 Mercury Mystique insurance is possible from both online companies and also from your neighborhood agents, and you should compare rates from both to get a complete price analysis. Some insurance companies may not have price quotes online and many times these small, regional companies only sell through independent agents.

Drivers leave their current company for many reasons like being labeled a high risk driver, high prices, denial of a claim or delays in paying claims. It doesn’t matter what your reason, switching auto insurance companies is actually quite simple.

We just presented a lot of techniques to compare 1997 Mercury Mystique insurance premium rates online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with a small mutual company.

More information can be found below:

• Airbag FAQ (iihs.org)
• How to Avoid Common Accidents (State Farm)
• Get the Right Protection (InsureUonline.org)
• Red Light Cameras (State Farm)