Compare 1999 Mercury Mystique Insurance Quotes

Are you a victim of an overpriced insurance coverage policy? Believe me when I say you’re not the only one.

Many car insurance companies vie for your business, so it’s not easy to compare every company to discover the definitive best rate

Consumers need to price shop coverage every six months due to the fact that insurance rates are usually higher with each renewal. Just because you had the best deal for Mystique insurance six months ago you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about insurance coverage on the web, but I’m going to show you some of the best ways to slash your insurance coverage rates.

Discounts are available to cut your rates

Companies don’t necessarily list all available discounts in an easy-to-find place, so here is a list some of the more common as well as the least known savings tricks you should be using.

  • Senior Discount – If you qualify as a senior citizen, you may receive better insurance rates for Mystique insurance.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Government Employees – Employees or retirees of the government may qualify you for a discount for Mystique insurance with select insurance companies.
  • Accident Forgiveness – Certain companies will allow you to have one accident before your rates go up as long as you don’t have any claims prior to the accident.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Safe Drivers – Insureds without accidents may save up to 50% more for Mystique insurance than drivers with accidents.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save 10% or more off your PIP or medical payments premium.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way.

To see a list of insurance companies with the best insurance discounts, click this link.

How to Buy Insurance Coverage Online

There are several ways to compare rate quotes and find the best price. The best method to compare 1999 Mercury Mystique insurance prices consists of shopping online. This can be done using a couple different methods.

  1. The most efficient way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This easy form keeps you from doing separate forms for each company. Filling out one form gets you coverage quotes instantly.
  2. A more difficult way to obtain and compare quotes online requires visiting each individual company website to complete a price quote. For sake of this example, we’ll assume you want to compare rates from Allstate, GEICO and State Farm. To get each rate you have to go to every website and enter your policy data, and that’s why the first method is more popular.

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

  3. The least efficient way to compare rates is driving to and from local insurance agencies. The internet makes this process obsolete unless you require the trained guidance that only a license agent can provide. You can, however, get the lowest quotes online but buy from a local insurance agent.

Whichever method you choose, compare apples-to-apples coverage information on every quote. If each company quotes differing limits you will not be able to make an equal comparison. Having just a slight variation in insurance coverages can result in a big premium difference. And when comparison shopping, quoting more will improve the odds of getting the best price.

What determines your Mercury Mystique insurance premium

Smart consumers have a good feel for the rating factors that help determine your insurance coverage rates. Understanding what impacts premium levels empowers consumers to make smart changes that will entitle you to lower insurance coverage prices.

  • More claims means more premium – Car insurance companies generally give better rates to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is designed for larger claims.
  • Battle of the sexes – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Men and women are in accidents in similar numbers, but men have costlier accidents. Men also have more aggressive citations such as reckless driving. Young males tend to get in the most accidents and are penalized with high insurance coverage rates.
  • Multiple policies with one company can save – Many companies give discounts to people who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, you may still want to compare rates to ensure the best deal.
  • How credit affects insurance coverage rates – Credit score is a huge factor in your rate calculation. If your credit history is lower than you’d like, you could save money insuring your 1999 Mercury Mystique by improving your credit score. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with poor credit.
  • Higher deductibles cost less – The deductibles define the amount you are required to spend before your insurance coverage pays a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims could be running into the backend of another car, damage caused by hail, and burglary. The more you’re willing to pay, the less your company will charge you for insurance for Mystique insurance.
  • Protect yourself with liability coverage – The liability section of your policy will protect you if a court rules you are at fault for causing damage or personal injury in an accident. Liability provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Policy add-ons can waste money – There are a lot of additional coverages that you can buy on your insurance coverage policy. Coverages like vanishing deductibles, towing coverage and membership fees are examples of these. They may seem good initially, but your needs may have changed so get rid of them and save.
  • Where you live is a factor – Residing in a rural area can save you money when buying insurance coverage. Drivers who live in large cities have to deal with traffic congestion and much longer commute distances. Lower population translates into fewer accidents and a lower car theft rate.

Everyone needs different coverages

When it comes to buying coverage, there really is no best way to insure your cars. Every situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine if your situation might need an agent’s assistance.

  • How does medical payments coverage work?
  • Will my rates increase for filing one claim?
  • Is upholstery damage covered by car insurance?
  • Why am I required to buy high-risk coverage?
  • Exactly who is provided coverage by my policy?
  • What companies insure drivers after a DUI or DWI?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Save $493 a year? Really?

State Farm, GEICO and Progressive constantly bombard you with ads on TV and radio. All the companies make an identical promise that you can save if you switch your coverage to them. How does each company make almost identical claims?

All the different companies have a preferred profile for the right customer that earns them a profit. For example, a driver they prefer might be profiled as a mature driver, owns a home, and has great credit. A propective insured who fits that profile will get very good rates and is almost guaranteed to save a lot of money.

Potential customers who don’t meet the “perfect” profile will be quoted higher premiums which leads to business going elsewhere. Company advertisements say “people who switch” not “everyone that quotes” save that much money. This is how companies can truthfully make those claims. This emphasizes why you absolutely need to quote coverage with many companies. It’s impossible to know which insurance company will fit your personal profile best.

Detailed coverages of your car insurance policy

Knowing the specifics of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are typical coverages found on most car insurance policies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for funeral costs, hospital visits, doctor visits, dental work and surgery. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for liability

Liability coverage will cover damage that occurs to a person or their property in an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like attorney fees, pain and suffering, structural damage, emergency aid and medical services. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay 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 liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision)

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as vandalism, damage from flooding, theft, hail damage and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision insurance

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Be Smart and Buy Smart

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible for the lowest price, not the least amount of coverage.

The cheapest 1999 Mercury Mystique insurance is possible from both online companies and also from your neighborhood agents, and you need to price shop both to have the best rate selection. A few companies may not provide online quoting and these small, regional companies work with independent agents.

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