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1997 Mercury Mystique Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 15, 2021

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Looking for the cheapest car insurance rates for your Mercury Mystique? Finding affordable car insurance is always difficult for consumers not familiar with comparison shopping online. People have so many options that it can easily become a ton of work to locate the lowest price.

Best discounts on 1997 Mercury Mystique coverage

The price of auto insurance can be rather high, buy you may qualify for discounts to help offset the cost. Larger premium reductions will be automatically applied when you get a quote, but some must be requested specifically before they will apply.

  • Multiple Cars – Buying coverage for all your vehicles with the same company could earn a price break for each car.
  • Claim Free – Claim-free drivers can earn big discounts as compared to bad drivers.
  • New Car Discount – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • No Charge for an Accident – A few companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Multi-policy Discount – If you insure your home and vehicles with one company you will save approximately 10% to 15%.

Keep in mind that many deductions do not apply to your bottom line cost. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, you’re out of luck. But all discounts will cut your overall premium however.

Insurance companies that possibly offer these money-saving discounts include:

  • GEICO
  • Travelers
  • Farm Bureau
  • Liberty Mutual
  • American Family
  • Progressive

It’s a good idea to ask all companies you are considering which discounts they offer. Some discounts might not be offered in your state.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique.

For example, these questions can aid in determining if you would benefit from an agent’s advice.

  • Will my insurance pay for OEM parts?
  • Is motorclub coverage worth it?
  • Am I covered when driving on a suspended license?
  • How much liability do I need to cover my assets?
  • I don’t drive much so do I pay less?
  • Are rental cars covered under my policy?
  • How can I find cheaper teen driver insurance?
  • Does liability extend to a camper or trailer?
  • What happens if I owe more than my 1997 Mercury Mystique is worth?
  • Am I covered if I wreck a rental car?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form.

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Do drivers who switch really save $445 a year?

Auto insurance providers like GEICO, State Farm and Progressive regularly use ads on TV and radio. They all make an identical promise that you’ll save big if you move your coverage to them. How can each company make almost identical claims? It’s all in the numbers.

All the different companies have a certain “appetite” for the type of driver they prefer to insure. An example of a driver they prefer might be over the age of 40, is a homeowner, and drives newer vehicles. A customer getting a price quote who meets those qualifications is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential insureds who are not a match for this ideal profile will have to pay a higher premium and ends up with the driver buying from a lower-cost company. The ads say “customers who switch” not “everybody who quotes” save money. That’s why insurance companies can confidently claim big savings.

Because of the profiling, it is so important to get a wide range of price quotes. Because you never know which company will have the lowest Mercury Mystique insurance rates.

Detailed coverages of your auto insurance policy

Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as driving through your garage door, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

UM/UIM Coverage – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Mercury Mystique.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, rock chips in glass and vandalism. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for expenses for prosthetic devices, rehabilitation expenses and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – Liability coverage protects you from damages or injuries you inflict on other’s property or people. It protects YOU from claims by other people. 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 policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as pain and suffering, medical services, structural damage and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Best coverage at the best price

We’ve covered quite a bit of information on how to save on 1997 Mercury Mystique insurance. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the lowest priced car insurance comes from the smaller companies.

Lower-priced insurance is attainable from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. There have been many cases where an accident victim reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage at the best price, not the least amount of coverage.

To read more, link through to these articles:

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