Pay Less for Mercury Mystique Insurance in Five Minutes or Less

Pay Less for Mercury Mystique Insurance in Five Minutes or Less

Expensive auto insurance can empty your checking account and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to reduce premiums and put more money in your pocket. Lots of car insurance companies contend for your hard-earned dollar, so it can be very hard to choose a provider to find the absolute lowest cost out there.

How much can you save with discounts?

Companies that sell car insurance don’t necessarily list every available discount in a way that’s easy to find, so the following is a list of both the well known and also the lesser-known auto insurance savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • New Vehicle Savings – Insuring a new car is cheaper compared to insuring an older model.
  • 55 and Retired – If you’re over the age of 55, you may qualify for better auto insurance rates for Mystique insurance.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Multiple Cars – Having all your vehicles on one policy may reduce the rate for each vehicle.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Mercury can qualify you for better rates on cars that stay parked.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Mystique insurance than less cautious drivers.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you could get a discount of 10% to 20% off each policy.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Accident Waiver – Certain companies allow you one accident before your rates go up as long as you don’t have any claims prior to the accident.

Keep in mind that most credits do not apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way.

To choose insurers who offer auto insurance discounts, click here to view.

How to Compare Auto Insurance Rates

Finding a lower price on Mercury Mystique insurance can be surprisingly simple. All that’s required is to spend a few minutes to compare rate quotes from different insurance companies. It is quite easy and can be accomplished in several different ways.

  1. The easiest and least time consuming way consumers can analyze rates is to use a rate comparison form click to view form in new window. This method prevents you from having to do separate forms to each individual auto insurance company. Just one form will return price quotes from all major companies.
  2. A different way to compare rate quotes requires you to visit each company website and fill out their own quote form. For example, we’ll pretend you want comparison quotes from Progressive, Allstate and GEICO. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but make sure you use identical quote information on every quote you get. If you use mixed coverages you will not be able to decipher which rate is best.

Factors determining your Mercury Mystique insurance premium

It’s important that you understand the rating factors that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively determines base rates helps enable you to make changes that may reward you with lower auto insurance prices. auto insurance

The list below includes a few of the “ingredients” that factor into rates.

  • What type of vehicle do you drive? – The make and model of the car you own makes a substantial difference in your rates. Because the Mercury Mystique falls in the sedan class, insuring your vehicle will cost about the same compared to average rates. Small economy passenger cars generally receive the lowest base rates, but there are many factors that impact the final cost.
  • Never let your coverage lapse – Allowing your coverage to lapse will be a sure-fire way to bump up your auto insurance costs. Not only will rates go up, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • High credit ratings translate to low rates – Your credit rating is a big factor in determining what you pay for auto insurance. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower credit scores. So if your credit rating can use some improvement, you could pay less to insure your Mercury Mystique by spending a little time repairing your credit.
  • Rural vs Urban Areas – Living in less populated areas can be a good thing when it comes to auto insurance. Lower population means fewer accidents and a lower car theft rate. Urban drivers have to deal with much more traffic to deal with and longer commutes to work. More time on the road can result in more accidents.
  • Being married can save on auto insurance – Having a spouse helps lower the price on your policy. Having a spouse is viewed as being more responsible it has been statistically shown that married drivers get in fewer accidents.
  • Do you need those extra coverages? – There are many extra coverages that you can get tricked into buying if you aren’t careful. Coverages for vanishing deductibles, accidental death and additional equipment coverage may be wasting your money. They may seem like a good idea at first, but now you might not need them so eliminate them to save money.
  • Frequent auto insurance claims increase rates – Auto insurance companies give better rates to policyholders who file claims infrequently. If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for major claims that would cause financial hardship.

How much car insurance do I need?

When choosing coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. These are some specific questions might point out whether you would benefit from an agent’s advice.

  • Am I getting all the discounts available?
  • Who is covered when they drive my Mercury Mystique?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered if I drive in a foreign country?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need special endorsements for business use of my vehicle?
  • What are the financial responsibility laws in my state?
  • Do all my vehicles need collision coverage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Switch companies and save? Really?

Consumers can’t ignore all the ads for car insurance savings from companies such as State Farm, Allstate and GEICO. They all make an identical promise that you’ll save big if you switch your policy.

How can each company make the same claim?

All companies can use profiling for the type of customer that makes them money. For instance, a desirable insured could possibly be between 30 and 50, insures multiple vehicles, and has a high credit rating. A driver who matches those parameters receives the best rates and is almost guaranteed to cut their rates substantially.

Drivers who don’t qualify for this ideal profile will have to pay higher premiums which leads to the customer not buying. The ad wording is “people who switch” but not “drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently state the savings. Because of the profiling, you should get a wide range of price quotes. You cannot predict the company that will fit your personal profile best.

Keep this in mind

We just covered a lot of ways to get a better price on Mercury Mystique insurance. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the biggest savings come from the smaller companies. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like Allstate or State Farm.

While you’re price shopping online, make sure you don’t buy poor coverage just to save money. There have been many situations where someone dropped full coverage only to discover later that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at a price you can afford while still protecting your assets.

Discount Mercury Mystique insurance can be bought from both online companies in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.