1996 Mercury Mystique Insurance Quotes

Shoppers have lots of choices when shopping for the best price on Mercury Mystique insurance. They can either spend hours driving around getting price quotes or save time using the internet to make rate comparisons.

There is a right way and a wrong way to buy insurance coverage and we’ll show you the absolute fastest way to price shop coverage for a new or used Mercury and locate the lowest price.

You should make it a habit to compare rates occasionally because prices are usually higher with each renewal. Just because you had the lowest rates for Mystique coverage on your last policy there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the best methods to get good coverage at a lower rate.

This article will help you learn how car insurance quotes work and some tips to save money. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these tips. Drivers just need to know the most effective way to compare prices online.

Four things that influence your insurance prices

Many different elements are part of the calculation when you get your auto insurance bill. Most are fairly basic such as your driving history, although others are not quite as obvious such as your credit history or how financially stable you are.

• Safer occupants lowers auto insurance rates – Vehicles that have high safety ratings get lower rates. The safest vehicles reduce occupant injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates.
• No auto insurance gaps is important – Driving without insurance coverage in place is a big no-no and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. In addition to paying higher premiums, not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
• Multi-policy discounts can save money – Most larger companies will award lower prices to people who carry more than one policy, otherwise known as a multi-policy discount. This can amount to ten or even fifteen percent. Even though this discount sounds good, you still need to shop around to confirm you are receiving the best rates possible. Consumers may save money by buying insurance from more than one company.
• GPS tracking and theft deterrents reduce auto insurance rates – Owning a car that has a built-in theft deterrent system can earn a premium discount. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop your vehicle from being stolen.

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Earn discounts to get lower-cost insurance quotes

Some insurance providers don’t always list all possible discounts in an easy-to-find place, so the following list contains a few of the more common as well as some of the hidden insurance savings.

• Own a Home – Owning a house can get you a discount since owning and maintaining a home shows financial diligence.
• Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and that can save you a little bit as well.
• Organization Discounts – Affiliation with a qualifying organization could earn you a nice discount on your next renewal.
• Employee of Federal Government – Federal government employees can save as much as 8% for Mystique coverage with certain companies.
• Sign Early and Save – Some insurance companies reward drivers for switching to them before your current policy expires. It can save you around 10%.
• One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies will turn a blind eye to one accident without getting socked with a rate hike with the catch being you have to be claim-free for a set time period.
• Discount for Passive Restraints – Vehicles equipped with air bags can receive discounts of 20 to 30 percent.

Don’t be surprised that most credits do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, that’s just not realistic. Any amount of discount should help reduce the amount you pay for coverage.

A few companies who might offer these money-saving discounts possibly include:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

If you want cheaper car insurance quotes, ask every company the best way to save money. Some discounts may not apply to policyholders in every state. To locate insurance companies who offer insurance discounts, click this link.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight whether your personal situation will benefit from professional help.

• Do I need to file an SR-22 for a DUI in my state?
• Does insurance cover tools stolen from my truck?
• Should I buy more coverage than the required minimum liability coverage?
• What are the financial responsibility laws in my state?
• Does coverage extend to my business vehicle?
• Is my ex-spouse still covered by my policy?
• Will filing a claim cost me more?
• Are rock chip repairs covered?

If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Auto insurance coverage information

Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Mercury Mystique.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision) – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hail damage, damage from flooding, a broken windshield and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for nursing services, pain medications and dental work. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability – Liability insurance can cover damage or injury you incur to people or other property in an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as repair costs for stationary objects, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Collision coverage – This covers damage to your Mystique resulting from colliding 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 claims like crashing into a building, rolling your car, driving through your garage door, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

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Be a Smart Shopper

A few companies may not have rates over the internet and these regional carriers provide coverage only through independent agents. More affordable insurance coverage can be bought both online as well as from insurance agents, so you need to compare both in order to have the best price selection to choose from.

While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. In many instances, an accident victim reduced collision coverage only to regret at claim time that the savings was not a smart move. Your goal should be to buy enough coverage at a price you can afford and still be able to protect your assets.

Consumers change insurance companies for a variety of reasons including denial of a claim, delays in responding to claim requests, high prices or policy cancellation. It doesn’t matter why you want to switch finding a new company can be less work than you think.

Much more information about insurance coverage is located at the links below

• Credit and Insurance Scores (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• Insuring a Leased Car (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)

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