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2000 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: Mar 4, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Drivers have a choice when trying to find low-cost Mercury Mystique insurance. You can either spend your time driving around to get rate comparisons or use the internet to make rate comparisons.

There are more efficient ways to find insurance coverage online and you need to know the absolute fastest way to quote coverages for a new or used Mercury and find the lowest possible price from both online companies and local agents.

You should take the time to get comparison quotes once or twice a year because rates are rarely the same from one policy term to another. Even if you think you had the lowest price on Mystique coverage six months ago you may be paying too much now. So forget anything you know (or think you know) about insurance coverage because you’re going to learn how to quote online to reduce your cost while increasing coverage.

Do you qualify for discounts?

Car insurance is not cheap, but companies offer discounts to help offset the cost. Larger premium reductions will be automatically applied when you complete an application, but less common discounts must be specifically requested before you get the savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Distant Student – Children who are attending college and do not have a car can receive lower rates.
  • Seat Belt Usage – Drivers who require all occupants to use a seat belt could cut 10% or more off your medical payments premium.
  • New Vehicle Savings – Insuring a new car is cheaper since new cars are generally safer.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • 55 and Retired – Older drivers may qualify for a discount up to 10% on Mystique coverage.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Safe Drivers – Safe drivers may save up to 50% more on Mystique coverage than drivers with accident claims.
  • Bundle and Save – When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.

Consumers should know that many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount will bring down your overall premium however.

For a list of insurers offering insurance discounts, follow this link.

Compare Quotes for Auto Insurance

Finding a better price on auto insurance can be relatively painless. You just need to take a couple of minutes to compare rate quotes from different insurance companies. This is very easy and can be done using a couple different methods.

  1. The best way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for repetitive form submissions for each company you want a rate for. A single form compares rates from all major companies. It’s the fastest way to compare.
  2. A slightly less efficient method to get comparison quotes is spending the time to visit each company website and request a quote. For instance, we’ll pretend you want to compare Nationwide, Esurance and Progressive. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The hardest way of comparing rate quotes is to drive around to different agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you require the professional guidance that only a license agent can provide. It is possible to compare the best prices online and get advice from an agent in your area and we’ll cover that in a bit.

It’s up to you which method you use, but double check that you are using the exact same coverage information with each company. If each company quotes different values for each quote you will not be able to decipher which rate is best.

Don’t assume everyone needs the same coverage

When buying coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

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Here are some questions about coverages that can help discover whether your personal situation could use an agent’s help.

  • Will filing a claim cost me more?
  • Should I buy full coverage?
  • Does my 2000 Mercury Mystique qualify for pleasure use?
  • Can I make deliveries for my home business?
  • Do I need motorclub coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Are there companies who specialize in insuring high-risk drivers?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage information

Knowing the specifics of a insurance policy helps when choosing appropriate coverage 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.

Collision coverage

Collision insurance covers damage to your Mystique caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, colliding with a tree, scraping a guard rail, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for immediate expenses for funeral costs, X-ray expenses and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Coverage for liability

Liability coverage provides protection from damage or injury you incur to other people or property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like funeral expenses, legal defense fees, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as rock chips in glass, a tree branch falling on your vehicle, fire damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Feed the piggy bank

We just presented many tips how you can compare 2000 Mercury Mystique insurance prices online. The key concept to understand is the more price quotes you have, the better your comparison will be. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising.

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. Your goal should be to buy enough coverage at the best price.

Lower-priced insurance can be purchased on the web and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not provide online price quotes and these regional insurance providers work with independent agents.

More detailed insurance coverage information is available at these sites:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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