1999 Mercury Mystique Insurance Quotes – 6 Tips for Best Rates

Buyers have a choice when searching for low-cost Mercury Mystique insurance. They can either spend hours driving around to get rate comparisons or use the internet to compare rates. There are both good and bad ways to find car insurance online so we’re going to tell you the absolute fastest way to get price quotes on a Mercury and find the lowest price either online or from local insurance agents.

If you are insured now or are just looking to switch companies, you can use these tips to find better prices and still get good coverage. The purpose of this article is to let you in on how car insurance quotes work and some money-saving tips. Vehicle owners just need to know the best way to shop for car insurance over the internet.

Are you getting every discount?

Properly insuring your vehicles can get expensive, but there may be some discounts that could drop your premiums quite a bit. Many discounts should be triggered at the time of purchase, but once in a while a discount must be specifically requested prior to getting the savings.

  • Payment Method – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.
  • Distant Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Defensive Driver – Participating in a course teaching defensive driver skills may get you a small discount and easily recoup the cost of the course.
  • Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you lower premium rates if you buy a life policy as well.
  • Accident Waiver – This isn’t a discount exactly, but certain companies will forgive one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Drive Safe and Save – Safe drivers can save up to 40% or more on their insurance quote on Mystique insurance compared to rates paid by drivers with frequent claims.

We need to note that many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. If you do the math and it seems like all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

A few popular companies and some of the discounts include:

  • GEICO includes discounts for defensive driver, good student, multi-policy, driver training, anti-lock brakes, anti-theft, and membership and employees.
  • Travelers may include discounts for continuous insurance, hybrid/electric vehicle, student away at school, payment discounts, good student, home ownership, and multi-policy.
  • Nationwide offers premium reductions for Farm Bureau membership, easy pay, defensive driving, anti-theft, business or organization, and multi-policy.
  • Farmers Insurance discounts include early shopping, mature driver, alternative fuel, good student, and switch companies.
  • Esurance offers discounts for anti-lock brakes, safety device, multi-car, DriveSense, and homeowner.
  • State Farm has savings for good student, driver’s education, multiple policy, good driver, anti-theft, and defensive driving training.
  • Progressive policyholders can earn discounts including homeowner, multi-vehicle, good student, online signing, multi-policy, continuous coverage, and online quote discount.
  • Mercury Insurance may have discounts that include multi-car, good driver, professional/association, annual mileage, and ease of repair.

Check with all the companies the best way to save money. Discounts may not be available in every state.

Compare quotes for car insurance

Getting a cheaper price on 1999 Mercury Mystique insurance is a great way to save money. You just have to take the time comparing rate quotes to find. Comparing prices online can be done in several different ways.

Experts agree that the best way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This form saves time by eliminating repetitive form submissions to each individual car insurance company. One quote request gets prices estimates from many national carriers. Recommended for those who want to invest the least amount of time.

A slightly less efficient method to obtain and compare quotes online is going to each company website and request a quote. For example, let’s say you want comparison quotes from Liberty Mutual, Esurance and GEICO. In order to get each rate, you would have to go to each individual site to enter the same coverage data repeatedly, and that’s why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but do your best to enter apples-to-apples coverages on every quote you get. If you compare different coverage information you will not be able to determine the best price for your Mercury Mystique.

When in doubt talk to an agent

When choosing proper insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that may help highlight whether you could use an agent’s help.

  • Am I covered when driving a rental car?
  • What is the minimum liability in my state?
  • How do I insure my teen driver?
  • Why is insurance for a teen driver so high?
  • Should I sign the liability waiver when renting a car?
  • Does coverage extend to my business vehicle?
  • Do I benefit by insuring my home with the same company?
  • When can my company non-renew my policy?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

But the ad said I’d save 15% in 15 minutes!

Consumers can’t avoid all the ads that promise big savings for switching by Allstate and Progressive. All the companies have a common claim that drivers can save some big amount if you get a free insurance quote and switch to their company.

How can each company claim to save you money? Here is the trick they use.

Different companies provide the lowest rates for the type of driver that will be a good risk. One example of this type of driver should be over the age of 40, has a clean driving record, and drives a safe vehicle. Any driver that fits those parameters will get very good prices and will also save money with a new company.

Insureds who cannot meet those standards will be charged higher prices and this results in business going elsewhere. The ads say “people that switch” not “everyone that quotes” save that much when switching. That is how companies can lure you into getting a quote. Because of the profiling, drivers should get insurance quotes as often as possible. You cannot predict which auto insurance company will have the best prices at this point in time.

Learn about car insurance coverages for a 1999 Mercury Mystique

Knowing the specifics of car insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive car insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, a broken windshield, a tree branch falling on your vehicle, damage from getting keyed and damage from flooding. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance covers damage to your Mystique from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as scraping a guard rail, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your 1999 Mercury Mystique.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Auto liability insurance

This coverage will cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as pain and suffering, loss of income, bail bonds, court costs and attorney fees. How much coverage you buy is a personal decision, but buy as much as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills for things like rehabilitation expenses, nursing services and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

More comparisons equals lower rates

When getting insurance quotes online, never skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped uninsured motorist or liability limits only to regret that it was a big mistake. Your strategy should be to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

The cheapest 1999 Mercury Mystique insurance is attainable from both online companies as well as from independent agents, so you need to shop insurance with both so you have a total pricing picture. Some companies don’t offer online quoting and these small, regional companies prefer to sell through independent agencies.

Insureds switch companies for many reasons like policy non-renewal, delays in paying claims, an unsatisfactory settlement offer or even policy cancellation. It doesn’t matter what your reason, finding a new insurance coverage company can be less work than you think.

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