Save on 1998 Mercury Mystique Car Insurance Cost

Are you at wits end from scraping nickels together to keep your car insured? You are no different than many other drivers. Many insurance companies compete to insure your vehicles, so it can be very hard to choose a insurance company and get the definite lowest rate possible.

Drivers save money with these discounts

Some providers don’t always advertise every disount available very clearly, so the following is a list of both the well known as well as the least known discounts that you may qualify for.

  • Save with More Vehicles Insured – Purchasing coverage when you have more than one vehicle with the same company may reduce the rate for each vehicle.
  • Student in College – Kids living away from home attending college and don’t have a car could get you a discount.
  • Military Rewards – Being on active deployment in the military could trigger a small discount.
  • Online Discount – Certain companies will give you a small discount for completing your application on the web.
  • Bundled Policy Discount – If you can combine your home and auto policy with the same insurance company you could save at least 10% off all policies.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle up before driving could save 15% off the medical payments premium.
  • Pay Early and Save – If you pay your bill all at once rather than paying in monthly installments you can avoid monthly service charges.
  • Anti-lock Brake System – Cars and trucks equipped with ABS or steering control prevent accidents and the ABS can save up to 10%.
  • Telematics Data – Drivers that enable data collection to spy on vehicle usage by installing a telematics device such as Progressive’s Snapshot may get a rate reduction if they show good driving skills.

Don’t be surprised that most of the big mark downs will not be given to the entire policy premium. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way.

The best insurance companies and a summarized list of policyholder discounts can be found below.

  • Mercury Insurance has savings for low natural disaster claims, multi-policy, accident-free, age of vehicle, and professional/association.
  • Farmers Insurance has discounts for teen driver, pay in full, multi-car, alternative fuel, and homeowner.
  • Farm Bureau may include discounts for safe driver, youthful driver, good student, multi-policy, multi-vehicle, and renewal discount.
  • State Farm discounts include Steer Clear safe driver discount, Drive Safe & Save, safe vehicle, anti-theft, driver’s education, accident-free, and multiple autos.
  • Allstate offers premium reductions for resident student, EZ pay plan discount, good student, defensive driver, teenSMART discount, early signing, and new car.
  • GEICO policyholders can earn discounts including federal employee, emergency military deployment, five-year accident-free, seat belt use, and multi-policy.

If you are trying to find affordable car insurance quotes, ask every insurance company the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in your area. To see insurance companies who offer cheap insurance quotes, click this link.

How to get insurance quotes

There are a lot of ways to shop for insurance, and some are less time-consuming than others. You could spend your day talking about coverages with insurance agencies in your area, or you could save time and use the web to get pricing more quickly.

Most major companies enroll in a system where insurance shoppers complete one form, and at least one company returns a rated price based on that data. This prevents consumers from doing repetitive form submissions to every company.

To find out how much you can save on insurance click here to start a free quote.

The only downside to comparing rates this way is that consumers can’t choose the providers you want pricing from. So if you prefer to choose from a list of companies to request quotes from, we have assembled a list of insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, try to use apples-to-apples coverage limits with each company. If each company quotes mixed coverages you will not be able to get a fair rate comparison.

You can change your insurance premiums

Lots of things are part of the calculation when quoting car insurance. Some of the criteria are obvious such as your driving history, but other factors are not as apparent such as whether you are married or your commute time.

The items below are some of the major factors utilized by car insurance companies to help set rates.

  • High credit score translates to low costs – An insured’s credit rating is a big factor in determining your rates. If your credit score can be improved, you could save money insuring your 1998 Mercury Mystique by taking the time to improve your credit score. Drivers with excellent credit tend to be more responsible and file fewer claims than those with lower credit scores.
  • Reduce rates by driving cars with good safety ratings – Vehicles with good safety scores can get you lower premiums. The safest vehicles reduce injuries and better occupant protection translates directly to fewer claims and thus lower rates. If the 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 you may be receiving a better rate.
  • Are women or men drivers cheaper? – The statistics show that females take fewer risks when driving. However, don’t assume that males are worse at driving than females. Males and females are in accidents in similar numbers, but men have accidents that have higher claims. In addition to higher claims, males also get more serious tickets like reckless driving and DUI. Teenage male drivers have the highest risk to insure and therefore are the most expensive to insure.
  • Advanced theft deterrents – Choosing a vehicle with anti-theft technology or alarm system can earn a premium discount. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent car theft.

Special considerations

When choosing coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions might help in determining whether or not you will benefit from professional help.

  • Do I have coverage if my license is suspended?
  • When should my teen driver be added to my policy?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered when driving someone else’s vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does having multiple vehicles earn me a discount?
  • Will I lose any money if I cancel my policy before it expires?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find 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. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage specifics

Knowing the specifics of insurance aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like theft, hitting a bird, falling objects, hail damage and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance will pay to fix damage to your Mystique resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, rolling your car, sustaining damage from a pot hole, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as pain medications, nursing services, chiropractic care and funeral costs. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability

This coverage protects you from damages or injuries you inflict on other people or property that is your fault. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like attorney fees, legal defense fees, court costs, repair costs for stationary objects and medical services. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Mercury Mystique.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

A little work can save a LOT of money

More affordable insurance is attainable on the web as well as from independent agents, so you need to shop car insurance with both to have the best selection. Some insurance providers may not offer online price quotes and many times these regional carriers only sell through independent agencies.

When shopping online for insurance, it’s a bad idea to buy less coverage just to save a little money. Too many times, someone dropped collision coverage only to find out that they should have had better coverage. Your goal should be to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.

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