Save on 1996 Mercury Mystique Car Insurance Rates

Locating cheaper insurance for a Mercury Mystique could be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to shop for auto insurance so you’re going to learn the absolute fastest way to quote coverages for a new or used Mercury and get the lowest possible price.

It’s a good habit to take a look at other company’s rates every six months since rates are usually higher with each renewal. Just because you had the best price for Mystique coverage a couple years back there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because you’re about to learn how to use online quotes to lower your rates without sacrificing coverage.

If you have a current auto insurance policy or are just looking to switch companies, you will benefit by learning to cut your premiums while maximizing coverage. Finding cheaper coverage is quite easy. Consumers only need to know the best way to compare price quotes online.

Don’t overlook these discounts

Insuring your fleet can be pricey, but there could be available discounts that many people don’t even know exist. Certain discounts will be applied when you complete an application, but a few need to be specifically requested in order for you to get them. If you don’t get every credit available, you’re just leaving money on the table.

  • Homeowners Pay Less – Simply owning a home may earn you a small savings because owning a home is proof that your finances are in order.
  • Low Mileage Discounts – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Bundle and Save – If you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts could save 15% off your medical payments premium.
  • Distant Student – Children who are attending college and don’t have a car may qualify for this discount.

It’s important to understand that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will bring down your overall premium however.

For a list of insurers with discount car insurance rates, follow this link.

Why you might be paying too much to insure your Mercury Mystique

It’s important that you understand the different types of things that come into play when calculating car insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in better car insurance rates.

  • Liability coverage is cheap – Liability insurance is the protection if a jury decides you are liable for causing damage or personal injury in an accident. Liability provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
  • Do men or women drive better? – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Women and men are in accidents at about the same rate, but the males cause more damage. They also receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Poor credit can mean higher rates – Having a bad credit rating is a large factor in determining what you pay for car insurance. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. If your credit history can use some improvement, you could potentially save money when insuring your 1996 Mercury Mystique by improving your rating.
  • Pay less after the wedding – Getting married helps lower the price on your car insurance policy. Having a significant other translates into being more mature and it’s proven that being married results in fewer claims.

Is my situation unique?

When it comes to buying the best insurance coverage coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For instance, these questions might point out whether or not you might need professional guidance.

  • How much liability insurance is required?
  • Does having multiple vehicles earn me a discount?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does insurance cover damages from a DUI accident?
  • Am I covered if my car is in a flood?
  • Why am I required to buy liability insurance?
  • Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Learn about car insurance coverages for a 1996 Mercury Mystique

Understanding the coverages of car insurance can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 1996 Mercury Mystique.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage protection

Collision coverage will pay to fix damage to your Mystique from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a ditch, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Liability

Liability coverage will cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like emergency aid, bail bonds, medical expenses, medical services and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, damage from getting keyed and rock chips in glass. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like rehabilitation expenses, surgery, prosthetic devices, ambulance fees and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

You can do this!

Affordable 1996 Mercury Mystique insurance can be purchased online as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers don’t offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

Insureds leave their current company for a variety of reasons including high rates after DUI convictions, extreme rates for teen drivers, denial of a claim and even policy non-renewal. It doesn’t matter why you want to switch finding a great new company can be easier than you think.

In this article, we presented a lot of tips how to get a better price on insurance. It’s most important to understand that the more providers you compare, the higher your chance of finding lower rates. Drivers may discover the best price on insurance coverage is with the smaller companies.

More detailed insurance coverage information is located in the articles below: