Cheap 1995 Mercury Mystique Insurance Cost

Want lower car insurance rates for your Mercury Mystique? Trying to find low-cost insurance for a Mercury Mystique could be difficult, but you can learn the following methods to find lower rates.

There are more efficient ways to find car insurance online and you need to know the proper way to compare rates on a Mercury and obtain the cheapest rates from both online companies and local agents.

Locating the best protection is quite easy. If you have a policy now or need a new policy, you can use these tips to get lower rates and possibly find even better coverage. Vehicle owners only need to know the most effective way to buy car insurance on the web.

Smart consumers can cut their insurance costs

Many factors are part of the equation when quoting car insurance. Some factors are common sense like an MVR report, but other criteria are not quite as obvious such as your marital status or your financial responsibility.

  • Good drivers pay lower rates – Drivers who don’t get tickets receive lower rates than their less careful counterparts. Having a single citation could increase your next policy renewal twenty percent or more. People who have multiple violations such as DUI or reckless driving may need to complete a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
  • Little extras can really add up – There are a lot of add-on coverages that may not really be needed when buying auto insurance. Coverage for things like personal injury protection, accidental death, and membership fees are some examples. These may sound like a good investment when buying your policy, but if you have no use for them remove them and pocket the money.
  • Use credit responsibly and save – A driver’s credit history is a large factor in calculating your premium rate. People with very high credit ratings tend to be less risk to insure than drivers with lower ratings. If your credit could use some work, you may save money insuring your 1995 Mercury Mystique if you improve your credit rating.
  • Buy as much liability insurance as you can afford – Liability insurance will afford coverage if you are ruled to be at fault for personal injury or accident damage. Liability provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
  • Lower mileage equals lower premium – The more miles you rack up on your Mercury annually the more you’ll pay to insure your vehicle. A lot of insurance companies calculate prices partially by how you use the vehicle. Cars and trucks left parked in the garage get more affordable rates than vehicles that have high annual mileage. Double check that your auto insurance coverage shows the proper vehicle usage, because it can save money. A policy that improperly rates your Mystique is just wasting money.
  • Too many insurance claims and you’ll pay more – Auto insurance companies award discounts to policyholders that do not abuse their auto insurance. If you’re an insured who likes to file claims you can expect higher premiums or even policy non-renewal. Auto insurance is designed for claims that pose a financial burden.
  • Age of drivers impacts costs – Teen drivers have a tendency to get distracted easily when driving and because of this, their auto insurance rates are much higher. More mature drivers tend to be more responsible, tend to file fewer claims and are safer drivers.

How to compare insurance quotes

Shopping for lower insurance rates can be exhausting if you don’t know the best way to get rate quotes. You could spend the better part of a day discussing policy coverages with agents in your area, or you could use the internet to get rates in a matter of minutes.

The majority of car insurance companies enroll in a system where insurance shoppers submit one quote, and each company then returns a price quote based on the submitted data. This prevents consumers from doing quotation requests for each company you want a rate for.

To compare rates now click here to start a free quote.

The one downside to using this type of form is you are unable to specify the insurers to receive prices from. So if you prefer to choose specific insurance companies to compare prices, we have a listing of insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make darn sure you compare apples-to-apples coverage information for every company. If you compare mixed coverages you can’t possibly decipher which rate is best.

Do you qualify for discounts?

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can dramatically reduce your bill. Most are applied when you get a quote, but some may not be applied and must be inquired about before they will apply.

  • E-sign – A handful of companies may give you up to $50 for signing up on the web.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Pay Early and Save – By paying your policy upfront rather than paying monthly you can avoid the installment charge.
  • Defensive Driver Discount – Taking part in a course that instructs on driving safety could earn you a small percentage discount and easily recoup the cost of the course.
  • Multiple Cars – Purchasing coverage when you have several vehicles on one policy qualifies for this discount.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Mystique insurance depending on your car insurance provider.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and earn discounts up to 10%.

Discounts save money, but please remember that most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. Even though it appears you could get a free car insurance policy, it doesn’t quite work that way.

Some of the larger companies that have some of the above discounts are:

When getting a coverage quote, ask all the companies what discounts are available to you. Some discounts listed above may not apply to policies in your state. To view providers that offer discounts, follow this link.

Don’t assume everyone needs the same auto insurance coverage

When it comes to choosing proper insurance coverage, there is no single plan that fits everyone. Every situation is different.

For instance, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need roadside assistance coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if I wreck a rental car?
  • Am I covered if I drive in a foreign country?
  • When does my teenage driver need to be added to my policy?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Auto insurance 101

Having a good grasp of a auto insurance policy helps when choosing which coverages you need for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

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. Normally these limits do not exceed the liability coverage limits.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, hitting a deer, theft, hail damage and rock chips in glass. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability

This protects you from damage that occurs to other’s property or people. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like structural damage, medical services, attorney fees and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Collision insurance

This will pay to fix damage to your Mystique from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, crashing into a ditch, sustaining damage from a pot hole, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for immediate expenses like prosthetic devices, doctor visits, EMT expenses, chiropractic care and hospital visits. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

A fool and his money are soon parted

Insureds change insurance companies for many reasons like high rates after DUI convictions, unfair underwriting practices, denial of a claim or even delays in paying claims. No matter why you want to switch, choosing a new company can be easier than you think.

More affordable auto insurance can be sourced from both online companies as well as from independent agents, and you should be comparing both to get a complete price analysis. Some companies may not offer online quoting and these small insurance companies work with independent agents.

As you quote insurance coverage, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced full coverage only to regret that it was a big error on their part. Your goal is to get the best coverage possible at the lowest possible cost, but don’t skip important coverages to save money.

Additional detailed information can be read at these sites: