1995 Mercury Mystique Insurance Rates – 9 Ideas for Best Quotes

Trying to find the cheapest car insurance rates for your Mercury Mystique? Have you had enough of trying to scrape together enough money to keep your car insured? You are no different than many other drivers.

Many insurers compete for your hard-earned dollar, so it can be very hard to choose a provider and get the best coverage at the best rate

The cheapest insurance coverage quotes

Shopping for lower insurance coverage rates can be a lot of work if you aren’t aware of the most efficient way. You can spend countless hours talking about coverages with agents in your area, or you can utilize online quotes to maximize your effort.

Many of the larger companies enroll in a system where prospective buyers submit one quote, and every company returns a competitive quote determined by their information. This saves time by eliminating quote forms to each individual insurance coverage company. To fill out one form to compare multiple rates now click here (opens in new window).

The only downside to using this type of form is buyers cannot specifically choose which insurance companies you will receive quotes from. So if you prefer to pick specific insurance companies to receive pricing from, we put together a list of companies who write insurance coverage in your area. Click to view list.

Whichever method you choose, ensure you are comparing the exact same quote data on every quote you get. If you have mixed coverages then you won’t be able to find the best deal for your Mercury Mystique. Even a minor difference in coverages can result in a big premium difference. Keep in mind that getting more free quotes helps locate more affordable insurance. Some insurance companies are not set up to provide rate quotes online, so it’s important to compare quotes from them, too.

The insurance bait and switch

Popular insurance providers such as Progressive, Allstate and Geico consistently run ads on TV and radio. All the companies make the point about savings if you just switch to their company. It sounds good, but how can they all make the same claim?

Insurance companies have specific guidelines for the type of insured that earns them a profit. A good example of a profitable insured might be between the ages of 40 and 55, has never had a policy lapse, and drives a car with an anti-theft system. A customer getting a price quote who matches that profile will probably get cheap rates and is almost guaranteed to save money with a new company.

Insureds who do not fit this ideal profile may be forced to pay higher premium rates which results in the customer buying from someone else. The wording the ads use say “drivers who switch” not “everyone who quotes” save money. That’s why insurance companies can claim big savings.

This illustrates why you really need to get a wide range of price quotes. Because you cannot predict which insurance company will have the lowest premium rates for your situation.

Insurance coverage discounts help cut rates

Car insurance companies don’t necessarily list the complete list of policy discounts very clearly, so the list below gives a summary of some of the best known as well as some of the hidden credits available to bring down your rates.

• Auto/Home Discount – If you have multiple policies and place coverage with the same company you could get a discount of 10% to 20% off each policy.
• Online Discount – A few larger online companies provide a small discount for buying your policy digitally online.
• New Vehicle Savings – Buying a new car model can be considerably cheaper since new vehicles have better safety ratings.
• Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems can receive discounts as much as 30%.
• Professional Organizations – Participating in a professional or civic organization can get you a small discount when getting a car insurance quote.
• Include Life Insurance and Save – Some insurance companies give a lower price if you buy life insurance.
• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
• Multi-car Discount – Drivers who insure primary and secondary vehicles on one policy may reduce the rate for each vehicle.
• No Accidents – Drivers with accident-free driving histories can save substantially when compared to accident-prone drivers.

As a footnote on discounts, most credits do not apply the the whole policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

Larger insurance coverage companies and their possible discounts include:

• Progressive may offer discounts for continuous coverage, online quote discount, multi-policy, good student, online signing, homeowner, and multi-vehicle.
• MetLife discounts include good student, multi-policy, claim-free, accident-free, good driver, defensive driver
• Mercury Insurance offers premium reductions for type of vehicle, location of vehicle, accident-free, annual mileage, and age of vehicle.
• Nationwide offers discounts including anti-theft, defensive driving, business or organization, accident-free, Farm Bureau membership, and easy pay.
• Geico has savings for military active duty, multi-policy, seat belt use, federal employee, and membership and employees.
• AAA may have discounts that include good driver, good student, education and occupation, pay-in-full, and anti-theft.

Check with each insurance company to apply every possible discount. Some discounts listed above may not be offered everywhere. To locate insurance companies that offer the discounts shown above, click here to view.

Which is the best auto insurance?

When buying the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help highlight if you would benefit from an agent’s advice.

• Is my custom paint covered by insurance?
• Am I covered when using my vehicle for business?
• Does liability extend to a camper or trailer?
• Why am I required to get a high-risk car insurance policy?
• When should I buy a commercial auto policy?
• What should my uninsured motorist coverage limits be in my state?
• What is an SR-22 filing?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Coverage specifics

Knowing the specifics of your car insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on most car insurance policies.

Uninsured and underinsured coverage

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

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses for things like X-ray expenses, rehabilitation expenses, nursing services, chiropractic care and prosthetic devices. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Collision insurance

Collision insurance pays for damage to your Mystique caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a mailbox, backing into a parked car, driving through your garage door, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to bring the cost down.

Liability insurance

Liability coverage can cover damages or injuries you inflict on other people or property. 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 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as emergency aid, medical expenses, loss of income, medical services and funeral expenses. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Comprehensive coverages

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hitting a bird, damage from getting keyed, a broken windshield and theft. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Never pay more for less

We just presented many tips how you can lower your 1995 Mercury Mystique insurance rates. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the best price on car insurance is with an unexpected company. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

Cheap 1995 Mercury Mystique insurance can be bought from both online companies and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not provide internet price quotes and these regional insurance providers sell through independent agents.

While you’re price shopping online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at an affordable rate.

Additional car insurance information is available below:

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)
• Event Data Recorders FAQ (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• A Tree Fell on Your Car: Now What? (Allstate)