Compare 1996 Mercury Mystique Insurance Quotes

Are you tired of scraping the payment together each month for car insurance? You are no different than the majority of other car owners.

Numerous auto insurance companies battle for your insurance dollar, so it can be very hard to choose a insurance company to find the cheapest price

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these methods. Buying car insurance is not that difficult. But consumers must learn how the larger insurance companies price insurance differently and use this information to your advantage.

Low Cost Insurance Coverage

Shopping for lower insurance coverage rates can be exhausting if you don’t utilize the best way to get rate quotes. You could waste a few hours discussing policy coverages with agents in your area, or you could save time and use the web to get rates in a matter of minutes.

The majority of car insurance companies participate in an industry program where insurance shoppers send in one quote, and each company can provide price quotes for coverage. This saves time by eliminating quote forms for each company.

To compare pricing click here to start a free quote.

One minor caviat to doing it this way is you are unable to specify the companies you want pricing from. If you wish to select individual companies to request quotes from, we have a listing of insurance coverage companies in your area. Click here for list of insurance companies.

Whichever method you choose, ensure you are comparing exactly the same coverage limits and deductibles on every quote you get. If you are comparing differing limits then you won’t be able to truly determine the lowest rate. Quoting even small variations in limits could mean much higher rates. And when comparing insurance coverage rates, know that obtaining a wide range of quotes provides better odds of finding better pricing.

Don’t overlook these discounts

Insuring your fleet can be pricey, but you may find discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be manually applied before they will apply.

  • Multi-policy Discount – If you insure your home and vehicles with the same company you may earn 10% to 20% off each policy.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less on Mystique coverage than less cautious drivers.
  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for a substantially lower rate.
  • One Accident Forgiven – Some insurance companies allow you one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Sign Early and Save – Some companies give discounts for signing up before your current expiration date. It can save you around 10%.

Consumers should know that most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, insurance companies aren’t that generous. But all discounts will cut your overall premium however.

To see a list of companies who offer insurance discounts, click this link.

Mercury Mystique rates are complex

Smart consumers have a good feel for the different types of things that come into play when calculating your car insurance rates. Having a good understanding of what influences your rates enables informed choices that could result in better car insurance rates.

  • Bad driving skills means higher rates – Your driving record impacts your car insurance rates tremendously. Drivers who don’t get tickets have lower premiums than bad drivers. Even one speeding ticket can bump up the cost forty percent or more. Drivers who get serious violations like DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
  • Where you live is a factor – Residing in less populated areas has it’s advantages when talking about car insurance. Fewer people means fewer accidents and a lower car theft rate. City drivers have congested traffic and longer commutes to work. More time commuting means higher likelihood of an accident.
  • Low deductibles can be expensive – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Mercury from damage. Some instances where coverage would apply are running into the backend of another car, damage from fire, and burglary. The deductibles are the amount of money you are required to spend in the event of a claim. The more you are required to pay out-of-pocket, the bigger discount you will receive on Mystique coverage.
  • Don’t get talked into coverage you don’t need – There are quite a few add-on coverages that can waste your money on your car insurance policy. Things like personal injury protection, accident forgiveness and membership fees are some examples. These coverages may sound good when you first buy your policy, but your needs may have changed so remove them from your policy.
  • Safer cars cost less to insure – Cars with high safety ratings can get you lower premiums. Safer cars protect occupants better and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If your Mercury Mystique is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Is my situation unique?

When it comes to choosing adequate coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that may help highlight if your situation will benefit from professional help.

  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need to file an SR-22 for a DUI in my state?
  • When should I drop full coverage on my 1996 Mercury Mystique?
  • What are the financial responsibility laws in my state?
  • Is my nanny covered when driving my vehicle?
  • What can I do if my company denied a claim?
  • Am I covered if I crash into my own garage door?
  • Will my rates increase for filing one claim?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does coverage extend to a rental car in a foreign country?

If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Coverages available on your insurance policy

Knowing the specifics of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages found on the average insurance policy.

Auto liability – Liability coverage can cover damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like loss of income, repair costs for stationary objects and emergency aid. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision – This coverage will pay to fix damage to your Mystique caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like scraping a guard rail, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, theft and fire damage. The maximum amount your insurance company will pay 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.

Insurance for medical payments – Med pay and PIP coverage provide coverage for expenses for things like EMT expenses, chiropractic care, rehabilitation expenses, nursing services and funeral costs. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 1996 Mercury Mystique.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Save your hard earned cash

Discount 1996 Mercury Mystique insurance can be bought both online as well as from independent agents, and you need to price shop both so you have a total pricing picture. A few companies don’t offer online price quotes and these small, regional companies work with independent agents.

When you buy insurance online, make sure you don’t reduce coverage to reduce premium. In too many instances, an insured dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at the best price.

You just learned some good ideas how you can compare insurance prices online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest priced insurance comes from an unexpected company. These companies may have significantly lower rates on certain market segments compared to the large companies like State Farm, GEICO and Nationwide.

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