Expensive insurance coverage can empty your checking account and make it impossible to make ends meet. Comparing price quotes is free, only takes a few minutes, and is a good way to cut your insurance bill. Numerous insurers battle for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute cheapest price
Car insurance is not cheap, but you may find discounts to help bring down the price. Larger premium reductions will be automatically applied when you quote, but a few must be specifically requested before you get the savings. If they aren’t giving you every credit possible, you are throwing money away.
Consumers should know that most discounts do not apply to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. So even though they make it sound like you could get a free insurance coverage policy, companies wouldn’t make money that way. Any amount of discount will bring down your premiums.
Insurance companies that possibly offer some of the above discounts are:
Before buying, ask each insurance company which discounts they offer. Some discounts may not apply in your area.
Comparing car insurance rates can be challenging if you don’t utilize the fastest way to get free quotes. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could save time and use the web to get rate comparisons in just a few minutes.
All the larger companies enroll in a system that allows shoppers to submit their information once, and each participating company returns a rated price based on that data. This system prevents you from having to do quotation requests to each company.
To compare 1997 Mercury Mystique rates using this form now click to open in new window.
The single downside to getting quotes like this is you can’t choose which companies to get quotes from. If you wish to select specific insurance companies to request quotes from, we have assembled a list of car insurance companies in your area. Click to view list.
Whichever method you choose, compare exactly the same coverage limits and deductibles on every quote. If each company quotes differing limits it will be next to impossible to decipher which rate is best.
When it comes to buying coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. For example, these questions can aid in determining whether or not you will benefit from professional help.
If you can’t answer these questions but you know they apply to you, you may need to chat with 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, free and you can get the answers you need.
Knowing the specifics of your insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.
This coverage will cover damage or injury you incur to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values 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 $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability can pay for claims like medical expenses, loss of income, bail bonds, pain and suffering and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like pain medications, nursing services, dental work and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage
Comprehensive coverage (or Other than Collision)
This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as damage from flooding, a tree branch falling on your vehicle, hail damage and falling objects. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Mercury Mystique.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.
Collision coverage covers damage to your Mystique resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as sustaining damage from a pot hole, colliding with a tree, crashing into a building, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.
Cost effective 1997 Mercury Mystique insurance can be found on the web as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some insurance providers don’t offer online quoting and many times these smaller companies only sell through independent insurance agents.
We just showed you many ways to compare insurance prices online. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the best price on auto insurance is with a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.
Additional auto insurance information can be read at the links below