1996 Mercury Mystique Insurance Cost – 7 Tips to Save

Consumers who just recently started comparing car insurance rates online can find purchasing low cost auto insurance is very challenging.

Buy car insurance online

To get inexpensive auto insurance quotes, there a variety of ways to compare rate quotes from many car insurance companies in your state. The easiest way by far to find cheaper Mercury Mystique rates is simply to get online rate quotes. This can be accomplished in just a few minutes using one of these methods.

1. The most efficient method to get quotes is an all-inclusive rate comparison (click to open form in new window). This style of form prevents you from having to do separate quote forms for every prospective company. In just a few minutes this one form gets rate comparisons from car insurance companies with the best prices. This is by far the quickest method.
2. A slightly less efficient method to compare rate quotes requires a trip to each individual company website and get a separate price quote. For example, we’ll pretend you need rates from Allstate, Farmers and GMAC. To get rate quotes you would need to go to every website to enter the same coverage data repeatedly, which can take a lot of time.

   To view a list of companies in your area, click here.

Take whichever approach you prefer, but make sure you compare the exact same coverages on every quote you get. If you compare mixed coverages it’s not possible to determine the lowest rate for your Mercury Mystique. Quoting even small variations in limits could mean much higher rates. And when comparison shopping, having more price comparisons helps improve the odds of finding a lower rate than you’re paying now.

Be skeptical of auto insurance ads

Big name companies like Allstate, Geico and Progressive endlessly run ads in print and on television. They all seem to have a common claim that people will save just by moving to them. How does every company offer you a better deal? This is the trick they use.

All companies give the best rates for the type of insured that earns them the highest profit. A good example of a preferred risk could possibly be a mature driver, has no claims, and drives a safe vehicle. Any customer that matches those criteria will get the preferred prices and will probably save a lot of money.

People who do not fit those standards will have to pay higher premiums and this can result in business not being written. The trick companies use is to say “people that switch” but not “all drivers who get quotes” save that much money. That is how insurance companies can make those claims. This illustrates why it’s extremely important to quote coverage with many companies. It’s just not possible to know the company that will have the best prices for your profile.

Insurance coverage discounts are available to slash your rates

Some companies don’t always publicize all available discounts in a way that’s easy to find, so the list below contains a few of the more common as well as the least known savings tricks you should be using when you buy auto insurance online.

• Multiple Cars – Insuring several vehicles on a single policy can reduce the rates for all insured vehicles.
• Sign Early and Save – A few larger companies give discounts for switching companies early. It can save you around 10%.
• Policy Bundle Discount – If you have multiple policies with the same company they may give you a discount of 10% to 20% off each policy.
• Driver’s Education for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class as it can save substantially.
• Paper-free Discount – A few larger companies may give you up to $50 for buying your policy on the internet.
• Organization Discounts – Affiliation with qualifying employment or professional organizations is a simple method to lower premiums on your next insurance coverage statement.
• Defensive Driver – Taking part in a course that instructs on driving safety is a good idea and can lower rates if your company offers it.

A little disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, companies don’t profit that way.

Car insurance companies that may have these benefits include:

• Geico
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

When quoting, ask each company or agent what discounts are available to you. Some discounts listed above might not be offered in your state. To view insurers that offer discounts, click this link.

Everyone needs different auto insurance coverages

When it comes to buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions might point out if you will benefit from professional help.

• Why am I required to get a high-risk car insurance policy?
• When would I need rental car insurance?
• Why am I required to buy high-risk coverage?
• What companies insure drivers after a DUI or DWI?
• What are the best liability limits?
• Why am I be forced to buy a membership to get insurance from some companies?
• Should I put collision coverage on all my vehicles?
• Are rental cars covered under my policy?

If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form.

Insurance coverage basics

Having a good grasp of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability insurance

This coverage will cover damages or injuries you inflict on other’s property or people that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like medical expenses, repair bills for other people’s vehicles, repair costs for stationary objects, structural damage and attorney fees. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Coverage for collisions

This coverage covers damage to your Mystique from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as backing into a parked car, damaging your car on a curb, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers 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.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as X-ray expenses, dental work and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. 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. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive protection

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from flooding, a tree branch falling on your vehicle, hail damage, hitting a deer and theft. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Save for a rainy day

We just covered many tips how you can shop for 1996 Mercury Mystique insurance online. It’s most important to understand that the more providers you compare, the higher your chance of finding affordable auto insurance. You may be surprised to find that the biggest savings come from the least-expected company.

Discount 1996 Mercury Mystique insurance is possible online as well as from insurance agents, so you need to shop auto insurance with both to have the best chance of lowering rates. A few companies may not provide the ability to get quotes online and most of the time these regional carriers provide coverage only through independent agencies.

Consumers switch companies for many reasons like unfair underwriting practices, policy cancellation, poor customer service and even extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new company can be less work than you think.

Additional detailed information is available by following these links:

• Speed and Speed Limit FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Teen Driver Licensing Information (iihs.org)
• Child Safety Seats (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• Young Drivers: The High Risk Years Video (iihs.org)