2000 Mercury Mystique Insurance Quotes – 9 Ways to Save

Trying to find cheaper car insurance rates? Buyers have options when searching for the best price on Mercury Mystique insurance. You can either spend your time struggling with agents trying to get quotes or leverage the internet to compare rates. There is a right way and a wrong way to shop for car insurance so we’re going to tell you the best way to quote coverages on a Mercury and get the lowest possible price.

How much does insurance cost?

Lowering your 2000 Mercury Mystique insurance rates isn’t really that difficult. All that’s required is to spend a few minutes on the computer comparing price quotes to find out which insurance company has low cost car insurance quotes. This can be accomplished by following the guidelines below.

Experts agree that the best way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This style of form saves time by eliminating multiple quote forms for each price estimate. Taking the time to complete one form gets you price quotes direct from many companies. This is perfect if you don’t have a lot of time.

A less efficient way to compare prices requires a visit to the website for every company you want to comare to request a price quote. For examples sake, let’s assume you want rates from State Farm, Farmers and Allstate. To do that, you would have to spend time on each company’s site and repeatedly type in your coverage information, which is why most consumers use the first method.

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

How you compare quotes is your choice, just be sure to compare apples-to-apples coverages and limits for every company. If you are comparing different deductibles it will be next to impossible to determine which company has the best rates.

Tailor your auto insurance coverage to you

When buying coverage, there isn’t really a “perfect” insurance plan. Each situation is unique.

For instance, these questions can aid in determining if your situation would benefit from an agent’s advice.

  • Do I need replacement cost coverage on my 2000 Mercury Mystique?
  • Am I covered when driving a rental car?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Should I rate my 2000 Mercury Mystique as pleasure use or commute?
  • Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Coverages available on your auto insurance policy

Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – This covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, rock chips in glass, damage from getting keyed and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2000 Mercury Mystique.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills for ambulance fees, pain medications, nursing services and prosthetic devices. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision insurance pays for damage to your Mystique from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, backing into a parked car, colliding with another moving vehicle, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Auto liability insurance – This coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as structural damage, repair bills for other people’s vehicles, loss of income and court costs. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.