How Much Does 1998 Mercury Mystique Insurance Cost?

Want lower insurance rates? Drivers have many options when trying to find the best price on Mercury Mystique insurance. You can either waste hours calling around to get rate comparisons or utilize the internet to get rate quotes.

There is a better way to compare insurance rates and you need to know the proper way to compare rates for a Mercury and obtain the cheapest rates from local insurance agents and online providers.

If you have a current auto insurance policy or are looking for a new policy, you can use these techniques to find better prices while maintaining coverages. This article will tell you how to get online quotes. Vehicle owners just need to learn the most efficient way to compare rates online.

Insurance Prices

There are multiple methods you can shop for 1998 Mercury Mystique insurance but one way is less labor-intensive and much quicker. You can spend countless hours talking about coverages with local insurance agents in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

All the larger companies belong to an insurance system where prospective buyers enter their coverage request one time, and every company can give them a price based on the submitted data. This system prevents you from having to do quote forms to each individual insurance company.

To find out how much you’re overpaying now click here (opens in new window).

The single downside to doing it this way is you are unable to specify the insurers you will receive quotes from. So if you prefer to pick from a list of companies to receive pricing from, we put together a list of low cost insurance companies in your area. Click here to view list.

Whichever method you choose, be sure to compare identical coverage information with every price quote. If each company quotes differing limits it’s impossible to make an equal comparison.

Take discounts and save

The cost of insuring your cars can be expensive, but companies offer discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be requested specifically before you get the savings. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Auto/Life Discount – Larger companies have a discount if you purchase life insurance from them.
  • Sign Online – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Distant Student – Youth drivers who live away from home and do not have a car can receive lower rates.
  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Drivers Ed for Students – Have your child enroll in driver’s education in school.

It’s important to note that most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will reduce your overall premium however.

Insurance companies that may offer these discounts may include but are not limited to:

Before buying, ask all companies you are considering which discounts they offer. Some discounts may not apply in every state.

Impacting insurance rates for a Mercury Mystique

An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for car insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that can help you get big savings.

The list below includes a partial list of the pieces companies use to determine your rates.

  • Never go without insurance – Allowing your car insurance policy to lapse will be a fast way to increase your car insurance rates. Not only will rates go up, but not being able to provide proof of insurance might get you a license revocation or jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Men pay higher rates – Statistics demonstrate that women are safer drivers than men. However, don’t assume that women are better drivers. Men and women tend to get into accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like reckless driving and DUI.
  • Do you know you’re credit rating? – Your credit rating is a large factor in determining your rates. Consumers who have excellent credit tend to be less risk to insure than drivers with lower ratings. If your credit score can use some improvement, you could be paying less to insure your 1998 Mercury Mystique by repairing your credit.
  • Theft deterrents lower rates – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • Your location is important – Choosing to live in less populated areas can save you money when buying car insurance. Urban drivers tend to have traffic congestion and much longer commute distances. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

  • Where can I find DUI or SR-22 insurance?
  • Is there coverage for injuries to my pets?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I buy only the required minimum liability coverage?
  • What is roadside assistance coverage?
  • How can I get my company to pay me more for my totalled car?
  • Is my ex-spouse still covered by my policy?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

The auto insurance bait and switch

Consumers constantly see and hear ads for cheaper car insurance from the likes of Allstate and Progressive. They all seem to have a common claim that you can save if you move your coverage to them.

But how can every company make the same claim?

All companies can use profiling for the right customer that makes them money. A good example of a driver they prefer might be profiled as a mature driver, has no driving citations, and drives less than 10,000 miles a year. Any driver who matches those parameters receives the best rates and as a result will probably save when switching.

Consumers who don’t qualify for the requirements will be charged a more expensive rate and ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” not “people who quote” save money. That is how companies can advertise the savings.

That is why you absolutely need to get quotes from several different companies. It is impossible to predict which company will fit your personal profile best.

Auto insurance policy coverages for a Mercury Mystique

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like EMT expenses, rehabilitation expenses, X-ray expenses and pain medications. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Liability car insurance

This can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as court costs, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Auto collision coverage

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

Collision can pay for claims like crashing into a ditch, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as rock chips in glass, theft and damage from flooding. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 1998 Mercury Mystique.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Final considerations

We covered many ideas to lower your 1998 Mercury Mystique insurance rates. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the best price on insurance is with an unexpected company.

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced physical damage coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

People change insurance companies for a variety of reasons including delays in paying claims, extreme rates for teen drivers, unfair underwriting practices or lack of trust in their agent. Regardless of your reason, finding a new company is less work than it seems.

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