1996 Mercury Mystique Insurance Rates

Searching for better insurance rates for your Mercury Mystique? Paying for high-priced Mercury Mystique insurance can dwindle your checking account and put a big crunch on your finances. Shopping your coverage around is a smart way to lower your monthly bill. Multiple insurers compete for your insurance dollar, and because of this it can be hard to compare insurers and get the definite lowest cost out there.

It’s a great practice to take a look at other company’s rates at least once a year since rates change regularly. Even if you got the lowest price on Mystique insurance on your last policy you may be paying too much now. There is too much inaccurate information about insurance online, so I’m going to show you some good information on how to reduce your insurance bill.

Insurance Coverage Quote Comparison

Getting better 1996 Mercury Mystique insurance coverage pricing isn’t really that difficult. The only requirement is to invest a little time getting comparison quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

  • The fastest way to get quotes is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing separate forms to each individual insurance coverage company. Filling out one form gets rate comparisons from all major companies.
  • Another way to find lower rates requires you to visit the website for each individual company and complete a new quote form. For instance, we’ll pretend you want to compare Geico, Progressive and State Farm. You would have to visit each site and enter your information, which is why the first method is more popular.

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

  • The most time-consuming way to get comparison rates is to waste gas driving to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you prefer the professional guidance of a licensed agent. Drivers can comparison shop your insurance online and still use a local agent and you’ll learn how to do that later.

Whichever way you use, make sure you use the exact same coverage limits and deductibles for every company. If you are comparing different values for each quote it’s impossible to determine which rate is truly the best.

Lots of discounts mean lots of savings

Auto insurance companies don’t always publicize all their discounts very clearly, so the following is a list of both the well known and also the lesser-known auto insurance savings. If you’re not getting every credit available, you are paying more than you should be.

  • No Charge for an Accident – A few companies will allow you to have one accident before your rates go up if you are claim-free for a set time period.
  • Claim Free – Drivers who don’t have accidents pay less when compared to frequent claim filers.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less on Mystique insurance than drivers with accident claims.
  • Senior Citizens – If you’re over the age of 55, you may qualify for a discount up to 10% on Mystique insurance.
  • Defensive Driver – Taking part in a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Student in College – Children who live away from home and do not have a car can receive lower rates.
  • Drive Less and Save – Fewer annual miles on your Mercury can qualify you for discounted rates on garaged vehicles.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Air Bag Discount – Cars that have air bags can receive discounts of up to 25% or more.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky.

To see a list of insurance companies who offer auto insurance discounts, follow this link.

Situations that might require an agent

When choosing coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can aid in determining if your situation will benefit from professional help.

  • When would I need additional glass coverage?
  • Do I need motorclub coverage?
  • When can my company non-renew my policy?
  • Where can I get insurance after a DUI in my state?
  • Are rock chip repairs covered?
  • Do I pay less for low miles?
  • What if I owe more than I can insure my car for?
  • Can I get a multi-policy discount?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Elements that influence Mercury Mystique insurance rates

Consumers need to have an understanding of the different types of things that go into determining the price you pay for auto insurance. Understanding what impacts premium levels helps enable you to make changes that could result in better auto insurance rates.

  • Do you have a high stress job? – Did you know your auto insurance rates can be affected by your occupation? Occupations like real estate brokers, architects and financial analysts are shown to have higher average rates in part from high stress levels and lots of time spent at work. Conversely, professions such as pilots, engineers and homemakers pay the least on Mystique insurance.
  • Discounts for multiple policies – Some insurance companies will award you with lower prices to policyholders who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to compare other company rates to ensure the best deal.
  • High deductibles save money – Your deductibles define the amount you are willing to pay in the event of a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims could be running into the backend of another car, collision with an animal, and burglary. The more expense you have to pay, the lower your rates will be on Mystique insurance.
  • A clean driving record saves money – Whether or not you get tickets impacts your car insurance rates tremendously. Drivers with clean records receive lower rates than people who have multiple driving citations. Just one speeding ticket may increase your cost forty percent or more. Drivers with severe tickets like hit and run, DWI or reckless driving convictions are required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.

Auto insurance 101

Understanding the coverages of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages offered by auto insurance companies.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, hail damage, fire damage and falling objects. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a ditch, sustaining damage from a pot hole, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercury Mystique.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as prosthetic devices, X-ray expenses, surgery and EMT expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability insurance protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims like medical services, emergency aid and bail bonds. How much coverage you buy is up to you, but consider buying higher limits if possible.

Final thoughts

We just showed you many ways to shop for 1996 Mercury Mystique insurance online. It’s most important to understand that the more quotes you get, the higher your chance of finding lower rates. You may even find the best price on car insurance is with the least-expected company. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm, Geico and Nationwide.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed liability coverage limits only to find out they didn’t purchase enough coverage. Your goal should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

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