Save on 1997 Mercury Mystique Car Insurance Rates

Want better insurance coverage rates for your Mercury Mystique? Trying to find better insurance prices for a new or used Mercury Mystique can be an all-consuming task, but you can learn our insurance coverage buying tips to save time. There are more efficient ways to find insurance coverage online and you need to know the proper way to get price quotes for your Mercury and locate the lowest possible price from both online companies and local agents.

It’s important to compare prices before your next renewal because insurance prices fluctuate regularly. Even if you think you had the lowest quotes for Mystique coverage last year the chances are good that you can find a lower rate today. There is lot of inaccurate information about insurance coverage online, but in this article, you’re going to get the easiest ways to find cheap insurance coverage.

Are you receiving every discount?

Some insurers do not list all disounts in an easy-to-find place, so we took the time to find a few of the more well known as well as the least known insurance coverage savings.

  • Low Mileage Discounts – Fewer annual miles on your Mercury may enable drivers to earn discounted prices on garaged vehicles.
  • No Accidents – Claim-free drivers pay much less when compared to insureds who have frequent claims or accidents.
  • Smart Student Discounts – Performing well in school can save 20 to 25%. You can use this discount normally up until you turn 25.
  • Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you a discounted price on car insurance if you buy a life policy as well.
  • Responsible Driver Discount – Drivers who avoid accidents could pay up to 40% less for Mystique coverage than drivers with accidents.

You can save money using discounts, but most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, you won’t be that lucky.

To choose insurance companies that have a full spectrum of discounts, click here.

The method we recommend to compare rate quotes is to know the fact most larger insurance companies participate in online systems to provide you with a free rate quote. The only thing you need to do is give them some information including your general credit rating, marital status, if a SR-22 is needed, and whether you drive to work or school. That information gets transmitted to multiple companies and you get price estimates within a short period of time.

When in doubt talk to an agent

When buying the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if your insurance needs could use an agent’s help.

  • Where can I get insurance after a DUI in my state?
  • What is the minimum liability in my state?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered if I crash into my own garage door?
  • Am I covered if I break a side mirror?
  • If I drive on a suspended license am I covered?
  • Should I waive the damage coverage when renting a car?
  • Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and may give you better protection.

Car insurance policy coverages for a 1997 Mercury Mystique

Knowing the specifics of car insurance can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision coverage – This coverage pays for damage to your Mystique resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a building, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for dental work, prosthetic devices and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a deer, vandalism and a broken windshield. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability – Liability coverage will cover damage that occurs to people or other property that is your fault. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like medical expenses, structural damage, loss of income and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured and underinsured coverage – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Mercury Mystique.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Take this to the bank

Drivers leave their current company for any number of reasons including poor customer service, high rates after DUI convictions, questionable increases in premium or lack of trust in their agent. Regardless of your reason for switching companies, finding a new insurance coverage company can be less work than you think.

More affordable insurance coverage is attainable from both online companies and also from your neighborhood agents, so you need to shop car insurance with both to have the best chance of lowering rates. Some insurance companies may not offer online price quotes and most of the time these regional insurance providers sell through local independent agents.

As you shop your coverage around, do not sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced physical damage coverage and learned later that it was a big mistake. The aim is to purchase a proper amount of coverage at the lowest possible cost.

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