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Mercury Mystique Insurance Rates

You have many choices when shopping for insurance coverage for your Mercury vehicle. You can buy direct from an agent or price shop online to compare rates from multiple insurance companies. Buying car insurance on the web is simple to do, in addition you can save money.

Shopping online for car insurance can be complicated if you have never used online rate quotes. But don't let that discourage you because it's actually quite easy. There are several ways of comparing rates from car insurance companies in your area. The best method to compare Mystique insurance cost is to get quotes online. This is very easy and can be done by comparing rates here.

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Criteria which help determine Mystique insurance quotes

Car insurance premiums for a Mercury Mystique will vary greatly subject to many criteria. A few of these criteria are:

  • More performance equals higher cost
  • Your accident history
  • Multiple policies can save money
  • Use of your vehicle
  • Your birth date
  • Whether you are married
  • Optional coverages like vehicle replacement
  • Your occupation
  • The amount of protection requested
  • Owning a home can lower rates

An additional factor that helps determine Mystique insurance rates is the year of the vehicle. Older models have a much lower replacement value than newer models so repair costs tend to be lower which can decrease annual premiums. But newer vehicles may have safety features including dual-stage airbags, a telematics system, and pedestrian detection so those may lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Mystique from the following list.

Liability car insurance - Mystique liability coverage can cover injuries or damage you cause to other people or property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision coverage - Collision insurance covers damage to your Mercury caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Mystique collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive car insurance - Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses - Coverage for medical payments and/or PIP reimburse you for bills such as ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.

How Much are Mercury Mystique Insurance Rates?