Lower Your 1998 Mercury Mystique Car Insurance Quotes

Are you drained from not being able to afford to buy car insurance? You are no different than many other drivers.

Consumers have multiple insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, it makes it harder to locate the cheapest rates.

You should make it a habit to compare rates as often as possible because car insurance rates trend upward over time. Even if you think you had the lowest rate on Mystique coverage at your last renewal the chances are good that you can find a lower price today. You can find a lot of wrong information about car insurance out there, but in this article, you’re going to get some excellent ideas to stop overpaying for insurance.

Compare insurance rates

The are a couple different ways to get quotes from many insurance companies in your state. One of the best ways to do a complete rate comparison is to use the internet to compare rates. This can be accomplished using a couple different methods.

The most recommended method to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This method keeps you from doing boring form submissions for every prospective company. One form submission will get you rate comparisons from multiple companies.
A different way to get quotes online consists of going to each individual company website and fill out their own quote form. For sake of this example, we’ll pretend you want to compare Auto-Owners, Safeco and Geico. You would need to spend time on each company’s site and repeatedly type in your coverage information, which can take a lot of time.
To view a list of companies in your area, click here.
If you have time to kill, the last way to compare price estimates is driving to different agent offices. Shopping for insurance online eliminates this option unless you have a complicated situation and need the professional advice that you can only get from talking to an agent. Some companies do allow you to price shop your coverage online but have your policy serviced through an agent.

You can use whichever method you prefer to find lower rates, just make sure you compare the exact same coverage limits on every price quote you get. If you are comparing unequal deductibles or liability limits you can’t possibly make a fair rate comparison. Just a small difference in coverage limits could throw off the whole comparison. It’s important to know that quoting more will increase your chances of finding a lower rate than you’re paying now. Some smaller insurers to not give price estimates online, so you need to compare prices from those companies as well.

You are unique and your car insurance should be too

When it comes to choosing coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. For example, these questions can help discover whether you would benefit from an agent’s advice.

Does my insurance cover damage caused when ticketed for reckless driving?
Am I covered when driving a rental car?
Where can I find DUI or SR-22 insurance?
Should I sign the liability waiver when renting a car?
Can I rate high risk drivers on liability-only vehicles?
Does my insurance cover a custom paint job?
Why am I be forced to buy a membership to get insurance from some companies?
How do I buy GAP insurance?
Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions but you know they 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.

Auto insurance policy coverages for a Mercury Mystique

Learning about specific coverages of auto insurance aids in choosing the right coverages for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types available from auto insurance companies.

Liability coverages

Liability insurance will cover damage or injury you incur to other’s property or people in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like legal defense fees, pain and suffering, attorney fees, emergency aid and loss of income. How much coverage you buy is your choice, but consider buying as much as you can afford.

Coverage for collisions

Collision coverage will pay to fix damage to your Mystique from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as colliding with a tree, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as X-ray expenses, doctor visits, chiropractic care, ambulance fees and EMT expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, theft, hitting a deer, damage from flooding and hail damage. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercury Mystique.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.