Cheaper 1999 Mercury Mystique Insurance Quotes

Want better insurance rates for your Mercury Mystique? Shopping for the most affordable insurance on the internet is challenging for beginners to online price comaprisons. With so many companies in the marketplace, how can drivers effectively compare every one to find the lowest price available?

It’s a good habit to do rate comparisons occasionally since rates change frequently. Just because you found the best price on Mystique coverage a couple years back there is a good chance you can find better rates now. Ignore everything you know about insurance because you’re about to find out the tricks you need to know to properly buy coverages while reducing your premium.

Compare Auto Insurance Costs

There are several ways to shop for Mercury Mystique auto insurance, but one way is less labor-intensive and much quicker. You can waste a lot of time talking to agents in your area, or you could save time and use online quoting to get rates in a matter of minutes.

Most of the best insurance companies enroll in a system that allows shoppers to send in one quote, and at least one company then gives them pricing for coverage. This prevents consumers from doing quotation requests for each company you want a rate for.

To compare pricing click to open in new window.

One minor caviat to pricing coverage this way is buyers cannot specifically choose which companies to get quotes from. So if you want to choose specific insurance companies to request quotes from, we have assembled a list of auto insurance companies in your area. Click here to view list.

However you get your quotes, compare exactly the same deductibles and coverage limits for each price quote. If you use unequal deductibles or liability limits you can’t possibly decipher which rate is best. Just a small difference in insurance coverages can mean a large discrepancy in price. And when comparison shopping, more quotes helps you find lower pricing.

You are unique and your auto insurance should be too

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

Here are some questions about coverages that may help you determine if your situation may require specific advice.

  • How can I get high-risk coverage after a DUI?
  • I have a DUI can I still get coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is high-risk coverage and where do I buy it?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does medical payments coverage apply to all occupants?
  • What can I do if my company denied a claim?
  • Are my friends covered when driving my 1999 Mercury Mystique?
  • Why am I required to buy liability insurance?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

Auto insurance 101

Understanding the coverages of auto insurance aids in choosing the best coverages for your vehicles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Collision – This pays for damage to your Mystique resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as backing into a parked car, driving through your garage door, crashing into a building and hitting a parking meter. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for liability – Liability coverage provides protection from damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like funeral expenses, attorney fees, pain and suffering, loss of income and emergency aid. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like doctor visits, X-ray expenses, surgery, nursing services and chiropractic care. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as rock chips in glass, vandalism, damage from a tornado or hurricane and damage from flooding. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.