Cheap 1995 Mercury Mystique Insurance Rates

Finding low-cost insurance for a Mercury Mystique can be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to shop for car insurance and we’ll show you the absolute fastest way to compare rates for a new or used Mercury and obtain the lowest possible price either online or from local insurance agents.

You should make it a habit to compare prices before your policy renews because rates are usually higher with each renewal. Even if you got the best price for Mystique coverage a year ago you can probably find a better price now. There is a lot of bad advice regarding car insurance on the internet, so I’m going to show you the easiest ways to find affordable car insurance.

Comprehensive Auto Insurance Comparison

Finding lower auto insurance rates can be relatively painless. Consumers just need to invest a few minutes comparing price quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way to find low rates would be an industry-wide quote request form click here to open form in new window. This form eliminates the need for boring form submissions to each individual auto insurance company. Completing one form gets you coverage quotes instantly. It’s definitely the quickest method.

A slightly less efficient method to get quotes online consists of going to the website for each individual company to request a price quote. For examples sake, we’ll pretend you want rates from GEICO, Esurance and Farmers. To get each rate you have to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.

For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but make sure you use exactly the same coverage information on every quote. If each company quotes unequal deductibles or liability limits it will be next to impossible to determine which rate is truly the best.

Companies offer discounts so take them!

Car insurance companies don’t list every available discount very well, so we took the time to find some of the best known and the harder-to-find discounts you could be receiving. If you don’t get every credit available, you are throwing money away.

  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Save with a New Car – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% for Mystique coverage depending on your company.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Mercury could be rewarded with lower rates on the low mileage vehicles.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for better insurance coverage rates for Mystique coverage.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Driver’s Ed – Have your child take driver’s ed class in high school.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Sign Online – Some insurance companies may give you up to $50 for buying your policy over the internet.
  • Homeowners Discount – Simply owning a home can save you money because owning a home demonstrates responsibility.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. So when it seems like you can get free auto insurance, insurance coverage companies aren’t that generous.

Companies that may offer some of the above discounts are:

Double check with all companies you are considering which discounts they offer. Savings might not be offered in your state.

Do I just need basic coverages?

When choosing the right insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • How can I force my company to pay a claim?
  • Am I better off with higher deductibles on my 1995 Mercury Mystique?
  • What happens if I owe more than my 1995 Mercury Mystique is worth?
  • Does insurance cover damages from a DUI accident?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered if my car is in a flood?
  • When should my teen driver be added to my policy?
  • Why am I required to buy high-risk coverage?
  • Is my babysitter covered when using my vehicle?
  • Am I covered when delivering products for my home-based business?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Car insurance coverage information

Learning about specific coverages of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive coverage – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, vandalism and hail damage. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as EMT expenses, hospital visits, ambulance fees and pain medications. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision – Collision insurance pays for damage to your Mystique resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a ditch, colliding with a tree and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Auto liability insurance – Liability coverage can cover damage that occurs to other’s property or people that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like pain and suffering, legal defense fees, bail bonds, structural damage and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 1995 Mercury Mystique.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Buy online or local, you save

Drivers switch companies for a variety of reasons including policy non-renewal, extreme rates for teen drivers, unfair underwriting practices and an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new car insurance company is pretty easy and you might even save some money in the process.

Discount 1995 Mercury Mystique insurance is attainable from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

We covered many tips how you can shop for insurance online. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. You may even discover the lowest rates come from a small mutual company.

More tips and info about car insurance is available at these sites: