1999 Mercury Mystique Car Insurance Cost – 9 Tricks for Best Prices

Trying to find lower insurance coverage rates for your Mercury Mystique? Are you regretting the purchase of an overpriced insurance coverage policy? Don’t feel bad because there are lots of people in the same boat. Many insurers vie to insure your vehicles, and it can be difficult to compare rates to discover the definitive lowest rate possible.

It’s a good idea to take a look at other company’s rates occasionally because insurance coverage prices trend upward over time. Just because you found the best quotes on Mystique coverage two years ago you will most likely find a better rate today. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the easiest way to get good coverage at a lower rate.

If you are insured now or need new coverage, you can use these tips to find the best rates while maximizing coverage. Finding affordable coverage is not rocket science. Consumers just need to know the most efficient way to shop their coverage around on the web.

Cheapest car insurance quotes

There are a variety of methods to shop for car insurance, but there is one way that is less labor-intensive and much quicker. You could spend your day discussing policy coverages with insurance agencies in your area, or you can stay home and use online quotes to get prices fast.

Most major companies belong to an insurance system where prospective buyers complete one form, and each participating company returns a competitive quote. This system prevents you from having to do quote requests to each individual car insurance company. To compare pricing click here (opens in new window).

The only drawback to using this type of system is that you can’t choose which providers you want to price. So if you want to choose from a list of companies to compare prices, we put together a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, do your best to use the same deductibles and coverage limits with every price quote. If you compare different values for each quote you will not be able to determine which company has the best rates.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage, there is no best way to insure your cars. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that can help discover whether or not you might need professional guidance.

• Should I rate my 1999 Mercury Mystique as pleasure use or commute?
• Which companies will insure high-risk drivers?
• Can I afford to buy a different vehicle if my 1999 Mercury Mystique is totaled?
• Is my teenager covered with friends in the car?
• Can I drive in Mexico and have coverage?
• Should I buy more coverage than the required minimum liability coverage?
• When should I remove comp and collision on my 1999 Mercury Mystique?
• Is motorclub coverage worth it?
• I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Parts of your insurance policy

Having a good grasp of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, rock chips in glass and vandalism. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages

This coverage protects you from damage that occurs to people or other property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for things such as structural damage, loss of income and medical expenses. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mercury Mystique.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Auto collision coverage

Collision coverage covers damage to your Mystique resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a parking meter, hitting a mailbox, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses such as funeral costs, dental work, nursing services and hospital visits. They can be 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 you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage