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Mercury Mystique Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2023

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Comparing auto insurance through online rate quotes saves time, is easy to do, in addition you will probably save money. The key to finding lower rates is to compare rates from all providers in order to accurately compare all possible prices.

Using the web to shop for auto insurance direct can be complicated if you are a beginner to online rate quotes. But relax because there is an easy way to compare rates. To find the best auto insurance prices, there are several ways of comparing rates from auto insurance companies in your area. The easiest way by far to find the cheapest Mercury Mystique insurance rates involves getting comparison quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a Mercury Mystique will vary greatly and are calculated by many factors. A few of these criteria are:

  • Tickets increase premiums
  • Your credit history
  • Male rates may be higher
  • The deductible you choose
  • NTSB crash rating for your vehicle
  • Your profession
  • The amount of protection requested
  • Owning a home can lower rates

One last important factor that can impact the rate you pay on your Mercury Mystique is the year of manufacture. Used vehicles have a much lower replacement value so the costs to repair may end up costing you less. But newer vehicles may have options including lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system so those may help offset higher rates.

Auto liability

This can cover injuries or damage you cause to a person or their property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase as much as you can afford.

Collision protection

This coverage covers damage to your Mystique from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills for things like ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. PIP coverage is not an option in every state and may carry a deductible.

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