1998 Mercury Mystique Car Insurance Quotes

No one in their right mind likes having to buy insurance coverage, especially when the cost is way too high. Lots of auto insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurance companies to find the absolute best rate

It’s a good idea to do price comparisons as often as possible since insurance rates change regularly. Despite the fact that you may have had the lowest rate for Mystique coverage a couple years back you may be paying too much now. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to how to quote online to reduce your cost while improving coverage.

If you have a current auto insurance policy or are shopping for new coverage, you can follow these tips to reduce the price you pay while maximizing coverage. Choosing the best insurance company for you is not rocket science. Vehicle owners only need to know the most effective way to buy auto insurance on the web.

Where can I get the cheapest insurance coverage?

Finding a lower price on 1998 Mercury Mystique insurance can be quick and easy. All you need to do is take a couple of minutes to get quotes from some recommended companies. This can be accomplished using one of these methods.

• The first (and easiest) way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This type of form eliminates the need for separate forms for every insurance coverage company. One form submission gets prices estimates from multiple companies.
• A more time consuming way to compare prices is going to the website of each company and complete a new quote form. For example, let’s assume you need rates from Geico, 21st Century and Allstate. You would need to navigate to each company’s site and enter your policy data, which is why first method is reommended.

  To view a list of companies in your area, click here.

• The last method to do your price quoting is making phone calls or going to local insurance agencies. The ability to buy insurance online eliminates this option unless your situation requires the trained guidance that you can only get from talking to an agent. Although you can obtain prices from the web but buy the policy through an agent.

You can choose any of those ways to find more affodable coverage, but make sure you compare equivalent quote information on every price quote you get. If you are comparing different liability limits then you won’t be able to determine which rate is truly the best.

These discounts can reduce insurance rates

Auto insurance companies don’t necessarily list the entire discount list very clearly, so we break down some of the more common and the more hidden credits that may apply to you. If you are not receiving all the discounts available, you could be saving more on your insurance.

• Buy New and Save – Buying insurance coverage on a new vehicle can get you a discount because new model year vehicles keep occupants safer.
• Telematics Discount – Insureds that choose to allow their insurance company to monitor vehicle usage through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they have good driving habits.
• Home Ownership Discount – Owning a house may earn you a small savings because of the fact that having a home requires personal responsibility.
• Membership in Organizations – Belonging to certain professional organizations could trigger savings on your policy.
• Drivers Education – Cut your cost by having your teen driver participate in a local driver’s education class in high school.

While discounts sound great, it’s important to understand that some of the credits will not apply to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though it appears all the discounts add up to a free policy, that’s just not realistic.

Companies and some of the premium reductions they offer are outlined below.

• Geico may have discounts that include multi-vehicle, daytime running lights, five-year accident-free, federal employee, emergency military deployment, anti-theft, and good student.
• Auto-Owners Insurance offers discounts for teen driver, mature driver, company car, paid in full, anti-lock brakes, good student, and multi-policy.
• American Family offers premium reductions for early bird, bundled insurance, mySafetyValet, TimeAway discount, and air bags.
• Esurance policyholders can earn discounts including online shopper, renters, anti-theft, multi-car, claim free, and safety device.
• Progressive may offer discounts for online signing, homeowner, continuous coverage, online quote discount, and multi-policy.
• State Farm offers discounts including student away at school, Drive Safe & Save, Steer Clear safe driver discount, accident-free, passive restraint, multiple policy, and good driver.
• AAA discounts include good student, pay-in-full, AAA membership discount, education and occupation, multi-car, anti-theft, and multi-policy.

If you want cheap insurance quotes, ask every insurance company to give you their best rates. Savings may not apply to policyholders in your area. To find providers offering insurance discounts, follow this link.

When do I need an agent’s advice?

When choosing coverage, there really is not a perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your insurance needs might need professional guidance.

• Is motorclub coverage worth it?
• Am I covered if I hit a deer?
• What is covered by UM/UIM coverage?
• Do I pay less for low miles?
• Am I covered if I crash into my own garage door?
• What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.

Choices you make can impact your insurance premiums

Consumers need to have an understanding of a few of the rating criteria that play a part in calculating the rates you pay for insurance. When you understand what determines base rates, this empowers consumers to make smart changes that can help you get cheaper rates. Lots of factors are taken into consideration when premium rates are determined. Some of the criteria are obvious such as your driving history, but other factors are more transparent like your vehicle usage and annual miles driven.

• Don’t get traffic citations – Careful drivers pay lower auto insurance prices as compared to those with violations. Just one moving violation can increase the cost of insurance by as much as thirty percent. Drivers unfortunate enough to have severe violations such as DUI, reckless driving or excessive speeding are required to maintain a SR-22 with their state’s department of motor vehicles in order to continue driving.
• Rural areas have lower rates – Choosing to live in areas with lower population may provide you with better prices when insuring your vehicles. Lower population means reduced accidents. Urban drivers have to deal with more road rage incidents and longer commutes to work. Spending more time driving means a statistically higher chance of an accident.
• Continuous coverage saves money – Allowing your coverage to lapse can be a guaranteed way to increase your renewal premiums. Not only will you pay higher rates, being ticketed for driving with no insurance will get you a revoked license or a big fine.
• Raise coverage deductibles and save – The deductibles define the amount you are willing to pay if a claim is determined to be covered. Insurance for physical damage, aka comp and collision, is used to repair damage to your car. Some examples of claims that would be covered are colliding with a stationary object, fire damage, and having a roll-over accident. The more damage repair cost you’re willing to pay, the better rate you will receive for Mystique coverage.

Is there deception in advertising?

Consumers constantly see and hear ads that claim the best prices from companies such as State Farm, Allstate and Geico. They all seem to state the claim about saving some big amount if you change your policy.

How does every insurance company offer drivers better rates? This is how they do it.

Insurance companies have strict underwriting profiles for a prospective insured that earns them the highest profit. For instance, a profitable insured might be described as a mature driver, carries high limits, and the vehicle is rated for pleasure use. Anyone who meets those qualifications will get the preferred premium rates as well as save when they switch companies.

Consumers who do not fit those criteria will be quoted more expensive rates which results in the customer not purchasing. The ads state “people who switch” but not “all drivers who get quotes” save that much. That is how insurance companies can confidently make it sound like they have such great premium rates. This really drives home the point why you really should get insurance quotes as often as possible. You cannot predict which company will have the best car insurance rates for your profile.

Car insurance specifics

Learning about specific coverages of your policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages offered by car insurance companies.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as nursing services, X-ray expenses, hospital visits and dental work. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a deer, damage from getting keyed and rock chips in glass. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – Collision coverage pays for damage to your Mystique caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, hitting a parking meter, colliding with a tree, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability – Liability coverage will cover damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like legal defense fees, attorney fees and medical services. How much coverage you buy is up to you, but you should buy as large an amount as possible.

At the end of the day…

Cost effective 1998 Mercury Mystique insurance can be sourced online as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection. A few companies do not provide online price quotes and many times these small insurance companies work with independent insurance agencies.

We just covered a lot of ways to lower your 1998 Mercury Mystique insurance premium rates. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the lowest priced car insurance comes from some of the lesser-known companies. Some small companies often have lower prices on specific markets as compared to the big name companies such as State Farm, Geico and Nationwide.

For more information, feel free to visit these articles:

• Teen Driving Statistics (iihs.org)
• Understanding Car Crashes Video (iihs.org)
• Auto Crash Statistics (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)