1997 Mercury Mystique Car Insurance Cost

Shoppers have options when shopping for the best price on Mercury Mystique insurance. They can either spend hours contacting agents to compare prices or leverage the internet to find the lowest rates.

There are more efficient ways to shop for insurance coverage and we’ll show you the quickest way to price shop coverage for your Mercury and get the lowest price from both online companies and local agents.

You need to get comparison quotes occasionally since insurance rates tend to go up over time. Just because you had the best rates on Mystique insurance six months ago you will most likely find a better rate today. Forget all the misinformation about insurance coverage because we’re going to demonstrate the best way to properly buy coverages while reducing your premium.

Discounts are great for lower rates

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically at the time of quoting, but some must be requested specifically before you get the savings. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Homeowners Pay Less – Owning a house can help you save on insurance because of the fact that having a home shows financial diligence.
  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • Low Mileage Discounts – Keeping the miles down on your Mercury can earn a substantially lower rate.
  • New Vehicle Savings – Insuring a new car can save up to 30% since new cars are generally safer.
  • Memberships – Participating in a professional or civic organization could qualify you for a break when shopping for insurance on Mystique insurance.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident without raising rates if your claims history is clear for a certain period of time.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will reduce the cost of coverage.

Insurance companies that may have some of the above discounts include:

Check with all companies you are considering how you can save money. All car insurance discounts may not apply in your state.

You may need specialized coverage

When choosing the best auto insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different.

For example, these questions could help you determine whether or not you might need an agent’s assistance.

  • Are my friends covered when driving my 1997 Mercury Mystique?
  • When would I need additional glass coverage?
  • What if I total my 1997 Mercury Mystique and owe more than it’s worth?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my insurance cover a custom paint job?
  • Can I rent a car in Mexico?
  • Why do I only qualify for high-risk insurance?
  • If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Car insurance policy specifics

Having a good grasp of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Mercury Mystique.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive insurance

This covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, vandalism, fire damage and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

Collision insurance pays for damage to your Mystique resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, scraping a guard rail, crashing into a building, driving through your garage door and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses like hospital visits, pain medications, nursing services and funeral costs. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as medical expenses, medical services, structural damage, court costs and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Knowledge is power

When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. There have been many cases where an insured cut uninsured motorist or liability limits only to discover later they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Insureds switch companies for a number of reasons such as extreme rates for teen drivers, delays in paying claims, questionable increases in premium or unfair underwriting practices. It doesn’t matter why you want to switch finding a new company is not as difficult as it may seem.

We just showed you many ways to get a better price on 1997 Mercury Mystique insurance. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. You may be surprised to find that the most savings is with a small local company.

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