1997 Mercury Mystique Insurance Quotes – 10 Discounts for Cheaper Rates

Have you had enough of trying to scrape together enough money to buy car insurance? You are in the same boat as many other drivers.

You have so many car insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, it makes it harder to find the best rates.

It’s a good habit to shop coverage around before your policy renews since insurance rates are variable and change quite frequently. If you had the best price for Mystique coverage six months ago other companies may now be cheaper. So ignore everything you know about car insurance because I’m going to teach you how to use the internet to save money, get proper coverage and the best rates.

The quickest method to compare car insurance company rates takes advantage of the fact auto insurance companies pay for the opportunity to give you rate quotes. The only thing you need to do is give the companies some data like your education level, if it has an anti-theft system, what your job is, and whether or not you need a SR-22. Those rating factors is submitted instantly to multiple different insurance companies and you will receive price estimates quickly.

To check rates for your , click here and find out if you can get cheaper insurance.

You probably qualify for some discounts

Companies don’t always publicize every discount very clearly, so we researched some of the more common and the more hidden auto insurance savings.

  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Multi-car Discount – Insuring more than one vehicle on one policy can get a discount on all vehicles.
  • Accident Waiver – A handful of insurance companies will forgive one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • No Accidents – Good drivers with no accidents pay much less when compared with bad drivers.
  • Paperless Signup – Some insurance companies give back up to $50 for buying a policy and signing up over the internet.
  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Distant Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.

It’s important to note that many deductions do not apply to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. Even though it may seem like you can get free auto insurance, it just doesn’t work that way.

A partial list of companies that may offer these money-saving discounts include:

Before buying, ask each insurance company how you can save money. Savings may not apply in every state.

There’s no such thing as the perfect policy

When buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. These are some specific questions might help in determining if you might need an agent’s assistance.

  • Are my friends covered when driving my car?
  • Should I buy additional glass protection?
  • Do I need an umbrella policy?
  • Can I afford to pay high deductible claims out of pocket?
  • Is other people’s property covered if stolen from my vehicle?
  • How much can I save by bundling my policies?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered if I crash into my own garage door?
  • I have a DUI can I still get coverage?
  • How can I get my company to pay me more for my totalled car?

If you can’t answer these questions but you know they apply to you, you might consider talking to 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.

Specific coverages for a Mercury Mystique

Understanding the coverages of auto insurance aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages available from auto insurance companies.

Coverage for uninsured or underinsured drivers – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Mercury Mystique.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like pain medications, dental work and surgery. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Coverage for liability – Liability insurance will cover damage or injury you incur to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims like repair costs for stationary objects, attorney fees, legal defense fees, repair bills for other people’s vehicles and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Collision coverages – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, backing into a parked car, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto insurance – This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as rock chips in glass, a broken windshield, damage from a tornado or hurricane and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

You can do this!

Lower-priced 1997 Mercury Mystique insurance is definitely available from both online companies and with local insurance agents, so compare prices from both so you have a total pricing picture. Some car insurance companies do not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. There are too many instances where an insured cut liability limits or collision coverage only to regret at claim time that it was a big mistake. Your aim should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

You just read a lot of techniques to compare insurance prices online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from a smaller regional carrier. Smaller companies can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.

More tips and info about car insurance can be found in the articles below: