2000 Mercury Mystique Insurance Rates

Trying to find cheaper car insurance rates for your Mercury Mystique? No one cherishes buying car insurance, especially when their premiums are too high.

There are many car insurance companies to purchase coverage from, and even though it’s nice to have a choice, it makes it harder to compare rates and find the lowest cost car insurance.

This article will teach you the most effective way to quote insurance and some tricks to saving. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. But consumers benefit from understanding the methods companies use to price online insurance and use this information to your advantage.

These discounts can slash auto insurance rates

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not know about. Certain discounts will be triggered automatically at the time of quoting, but less common discounts must be specifically requested prior to getting the savings.

  • Fewer Miles Equal More Savings – Keeping the miles down on your Mercury can qualify you for lower rates on the low mileage vehicles.
  • Clubs and Organizations – Participating in a professional or civic organization is a good way to get lower rates when shopping for auto insurance on Mystique coverage.
  • Resident Student – Any of your kids who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for better auto insurance rates on Mystique coverage.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out auto and life insurance together.

As a disclaimer on discounts, most discounts do not apply to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will cut the amount you have to pay.

For a list of providers with discount auto insurance rates, click this link.

When might I need the advice of an agent?

When buying coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions can aid in determining if you will benefit from professional help.

  • Should I bundle my homeowners policy with my auto?
  • What is UM/UIM insurance?
  • Do I really need UM/UIM coverage?
  • When can my company non-renew my policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Where can I get insurance after a DUI in my state?
  • What if I owe more than I can insure my car for?
  • Is motorclub coverage worth it?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance policy coverages for a Mercury Mystique

Learning about specific coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages offered by insurance companies.

Auto liability insurance – This coverage will cover damage that occurs to other people or property. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like emergency aid, structural damage, funeral expenses and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, theft and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverages – Collision coverage covers damage to your Mystique from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a parking meter, colliding with a tree, colliding with another moving vehicle, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Medical costs insurance – Med pay and PIP coverage provide coverage for expenses such as EMT expenses, doctor visits and chiropractic care. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

UM/UIM Coverage – This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Mercury Mystique.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are set the same as your liablity limits.

More choices the merrier

You just learned many ideas to compare 2000 Mercury Mystique insurance prices online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the best prices are with a company that doesn’t do a lot of advertising. Smaller companies often have lower prices on specific markets as compared to the big name companies such as Geico and State Farm.

As you restructure your insurance plan, do not buy less coverage just to save a little money. Too many times, an accident victim reduced uninsured motorist or liability limits only to discover later that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

More tips and info about insurance coverage can be read in these articles: