How Much Does 1995 Mercury Mystique Insurance Cost?

Looking for cheaper auto insurance rates for your Mercury Mystique? No one in their right mind anticipates paying for auto insurance, especially when they know they could find lower prices if they just compared rates. Due to the increasing number of companies and agents to choose from, it’s nearly impossible to locate the best company.

Consumers need to do price comparisons yearly because auto insurance prices trend upward over time. Despite the fact that you may have had the best rate for Mystique insurance two years ago you can probably find a better premium rate now. There is a lot of bad information regarding auto insurance on the web, but in a few minutes you can learn some tested techniques to find affordable auto insurance.

Affordable car insurance price quotes online

Finding a better price on car insurance is not rocket science. Just take time to compare rate quotes to see which company has cheap insurance quotes. Comparing prices online can be done using a couple different methods.

  1. One of the simplest ways to get quotes would be an industry-wide quote request form click here to open form in new window. This type of form prevents you from having to do separate quotes for each company. One simple form will get you price quotes instantly.
  2. A different way to obtain and compare quotes online consists of going to each individual company website and fill out a new quote form. For instance, let’s assume you want to compare Progressive, Allstate and GMAC. You would have to spend time on each company’s site and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
  3. The least efficient way to find and compare rates is to spend time driving to all the different insurance agencies. Buying insurance online has made agencies unnecessary unless you prefer the professional assistance that you can only get from talking to an agent. Drivers can comparison shop your insurance online and have a local agent actually service the policy.

How you compare quotes is your choice, just try to use apples-to-apples coverage limits on every quote you get. If you use higher or lower deductibles you will not be able to make an equal comparison.

Auto insurance policy discounts

The cost of insuring your cars can be expensive, but there could be significant discounts that many people don’t even know exist. Certain reductions will be credited when you get a quote, but some need to be inquired about prior to getting the savings.

  • Discounts for Responsible Drivers – Insureds without accidents can save as much as half off their rates for Mystique insurance than their less cautious counterparts.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Low Mileage Discounts – Driving fewer miles may allow you to get lower prices on the low mileage vehicles.
  • Anti-theft System – Cars and trucks with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Discount for Life Insurance – Select insurance carriers reward you with a break if you buy a life policy as well.
  • Good Student Discount – Maintaining excellent grades may save as much as 25% on a insurance quote. You can use this discount normally up to age 25.

You should keep in mind that some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like you could get a free auto insurance policy, company stockholders wouldn’t be very happy. But all discounts will lower the cost of coverage.

For a list of insurers who offer cheap auto insurance quotes, click here.

How do I know if I need professional advice?

When it comes to buying coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different so this has to be addressed. For example, these questions might help in determining if your insurance needs could use an agent’s help.

  • Is a fancy paint job covered?
  • Is my cargo covered for damage or theft?
  • Are split liability limits better than a combined single limit?
  • Should I put collision coverage on all my vehicles?
  • Where can I find high-risk insurance?
  • Who is covered when they drive my 1995 Mercury Mystique?
  • When should I buy a commercial auto policy?
  • Is motorclub coverage worth it?
  • Is my Mercury Mystique covered if I use it for business?
  • When can my company non-renew my policy?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Informed drivers save on insurance

An important part of buying insurance is that you know the factors that play a part in calculating your policy premiums. When consumers understand what controls the rates you pay, this enables informed choices that can earn you lower premium levels. Lots of factors are part of the calculation when quoting car insurance. Most are fairly basic like your driving record, but other criteria are not as apparent such as your credit history or your financial responsibility.

The items below are a partial list of the pieces companies use to determine your premiums.

  • Your car’s features help determine prices – Selecting a car model with an alarm system can save you a little every year. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent vehicle theft.
  • Know your credit score – A driver’s credit rating factor in calculating your insurance rates. Drivers with excellent credit scores tend to file fewer claims as compared to drivers with bad credit. Therefore, if your credit score can be improved, you could save money insuring your 1995 Mercury Mystique if you clean up your credit.
  • Drive less and save – The more miles you rack up on your Mercury every year the more you’ll pay to insure your vehicle. Most insurance companies calculate rates based on how the vehicle is used. Cars and trucks used primarily for pleasure use get more affordable rates than cars that get driven a lot. Double check that your declarations sheet reflects the correct usage for each vehicle. An incorrectly rated Mystique is just wasting money.
  • Insure car and home with the same company – Many insurers will award better rates for people who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount applied, you still need to shop around to ensure the best deal. You may still be able to find lower rates by buying insurance from a different company.
  • Rates can be impacted by your employer – Do you work in a high-stress field? Careers such as judgesair traffic controllers and accountants usually pay higher premiums than the average policyholder in part from stressful work requirements and long work hours. On the flip side, jobs such as professors, athletes and retirees pay lower than average rates for Mystique insurance.
  • Extra coverages that aren’t used – There are quite a few additional extra coverages that sound like a good idea at the time on your Mystique policy. Coverages like vanishing deductibles, accident forgiveness, and extra life insurance coverage are probably not needed. They may seem good initially, but if you don’t need them eliminate the coverages to reduce your premium.
  • Traffic violations can be expensive – Careful drivers receive lower rates compared to drivers with tickets. Having just one citation can increase the cost of insurance forty percent or more. Drivers who have gotten careless citations such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state’s licensing department in order to drive a vehicle legally.
  • A coverage lapse can increase insurance rates – Not having insurance is a misdemeanor and as a result your rates will increase for letting your insurance lapse for non-payment. Not only will rates go up, being ticketed for driving with no insurance will get you a fine, jail time, or a revoked license.

Detailed coverages of your insurance policy

Learning about specific coverages of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are the usual coverages found on most insurance policies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like falling objects, hitting a bird, damage from getting keyed, damage from flooding and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability insurance

This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as repair costs for stationary objects, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

This coverage will pay to fix damage to your Mystique resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, colliding with another moving vehicle, hitting a parking meter, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses for things like chiropractic care, surgery, ambulance fees, pain medications and EMT expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Knowledge is power

Some companies don’t offer the ability to get a quote online and many times these smaller companies prefer to sell through local independent agents. Budget-conscious 1995 Mercury Mystique insurance can be purchased from both online companies in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates.

We just showed you a lot of ways to lower your 1995 Mercury Mystique insurance prices. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest priced insurance comes from some of the smallest insurance companies. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, GEICO and Progressive.

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