1998 Mercury Mystique Insurance Quotes

Price shopping your insurance coverage can be challenging for beginners to buying insurance online. Drivers have so many choices that it can easily become a lot of work to compare prices.

Insurance Coverage Comparisons

There are a lot of ways to compare insurance coverage prices but there is one way that is easier and takes less work. You can spend your afternoon talking to insurance agencies in your area, or you can stay home and use online quotes to maximize your effort.

Most car insurance companies enroll in a system where insurance shoppers complete one form, and each company provides a quote. This prevents consumers from doing form submissions to every company.

To participate in this free quote system, click here to start a free quote.

The one disadvantage to comparing rates this way is buyers cannot specifically choose which carriers to get quotes from. If you wish to select from a list of companies to receive pricing from, we have a page of companies who write insurance coverage in your area. View list of insurance companies.

However you get your quotes, make darn sure you compare exactly the same coverage limits and deductibles with each company. If you compare mixed coverages it will be next to impossible to make a fair comparison for your Mercury Mystique. Having just a slight variation in coverage limits may cause a big price difference. And when comparing insurance coverage rates, know that comparing more company’s prices will improve the odds of getting a better price.

Companies offer discounts so take them!

Car insurance companies do not advertise all available discounts very well, so here is a list both well-publicized and the more hidden insurance savings.

  • Sign Online – A few companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Multiple Vehicles – Insuring multiple vehicles on one policy qualifies for this discount.
  • Accident Waiver – Certain companies will forgive one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less on Mystique coverage than their less cautious counterparts.

It’s important to note that many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

To see a list of insurers with the best insurance discounts, click here to view.

Do I just need basic coverages?

When choosing adequate coverage for your personal vehicles, there is no best way to insure your cars. Each situation is unique.

For example, these questions can help discover if your insurance needs may require specific advice.

  • Does my 1998 Mercury Mystique qualify for pleasure use?
  • What vehicles should carry emergency assistance coverage?
  • How do I insure my teen driver?
  • Should I bundle my homeowners policy with my auto?
  • When can I cancel my policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I insured when driving a different vehicle?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form.

Why your Mercury Mystique insurance rates may be high

An important part of buying insurance is that you know the rating factors that come into play when calculating the rates you pay for insurance coverage. Having a good understanding of what determines base rates empowers consumers to make smart changes that will entitle you to lower insurance coverage prices.

The list below includes a partial list of the pieces used by your company to calculate prices.

  • Do you have a high stress job? – Did you know that where you work can have an impact on rates? Jobs such as judges, executives and financial analysts have higher average rates because of job stress and lengthy work days. Conversely, jobs such as pilots, engineers and performers get better rates on Mystique coverage.
  • Never go without insurance – Having an insurance coverage lapse is a fast way to pay more for insurance coverage. Not only will you pay more, but being ticketed for driving with no insurance may earn you a license revocation or jail time.
  • High numbers of claims are not good – Companies give discounts to people who do not file claims often. If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
  • Rate your vehicle for proper use – Driving more miles each year the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage based on their usage. Cars and trucks that are left in the garage receive lower rates than vehicles that are driven to work every day. Verify your insurance coverage coverage properly reflects the proper vehicle usage, because improper ratings can cost you money. Incorrect usage on your Mystique may be costing you.
  • Liability insurance protects assets – Liability coverage provides coverage if ever you are found to be at fault for personal injury or accident damage. Liability provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.

Coverages available on your insurance policy

Understanding the coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Mercury Mystique.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverage (or Other than Collision) – This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, rock chips in glass, hail damage, hitting a deer and fire damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance – This will cover injuries or damage you cause to other’s property or people in an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as loss of income, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – Collision coverage will pay to fix damage to your Mystique caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, damaging your car on a curb, scraping a guard rail, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for bills for things like hospital visits, chiropractic care, doctor visits, rehabilitation expenses and ambulance fees. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

One last thing about your coverage

As you go through the steps to switch your coverage, make sure you don’t reduce coverage to reduce premium. There are too many instances where drivers have reduced collision coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find at the best price, not the least amount of coverage.

Insureds leave their current company for a variety of reasons including policy cancellation, lack of trust in their agent, delays in paying claims or high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.

We covered quite a bit of information on how to compare 1998 Mercury Mystique insurance prices online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced insurance comes from a smaller regional carrier.

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