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...

Full Bio →

Written by

Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Jun 28, 2018

Advertiser Disclosure

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 company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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.

No normal person likes paying for insurance coverage, especially when they know it costs too dang much. You have so many car insurance companies to insure vehicles with, and though it is a good thing to have a selection, too many choices makes it more difficult to find the best rates for your vehicles.

It is always a good idea to do rate comparisons occasionally since insurance rates change quite often. Just because you found the best rate on Mystique coverage a year ago you can probably find a lower rate today. Ignore everything you know about insurance coverage because it’s time to teach you how to use online quotes to properly buy coverages and cut your premium.

Finding car insurance

Finding cheap car insurance quotes is not rocket science. All that’s required is to invest a few minutes comparing rate quotes from some recommended companies. It’s really simple and can be done in several different ways.

  1. The recommended way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This method keeps you from doing repetitive form entry for each company you want a rate for. One form submission compares rates direct from many companies.
  2. A more difficult way to shop for car insurance online requires a trip to the website for every company you want to comare and fill out a new quote form. For sake of this example, let’s say you want comparison quotes from Allstate, State Farm and Progressive. In order to compare rates, you need to take the time to go to each site and enter your policy data, which can take a lot of time. For a list of links to companies insuring cars in your area, click here.
  3. The least efficient way to get comparison rates is physically going to each insurance agency near you. Comparing online rate quotes has reduced the need for local agents unless you have a need for the professional guidance that you can only get from talking to an agent. Although you can compare the best prices online and still use a local agent.

Compare rates however you want, just be sure you’re using the same coverage limits and deductibles for every quote you compare. If your comparisons have differing limits then you won’t be able to make an equal comparison.

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

secured lock Secured with SHA-256 Encryption

Save $440 a year! What?

Consumers can’t get away from all the ads for insurance savings by GEICO, State Farm and Progressive. All the companies convey the message of big savings if you switch your insurance coverage to their company.

How does every company give you a lower rate? Here is the trick they use.

All the different companies quote their cheapest rates for a prospective insured that will be a good risk. A good example of a profitable insured could be a female over age 40, has no tickets, and drives less than 7,500 miles a year. Any new insured that fits those parameters may get the lowest prices and have a good chance to save if they switch.

Potential customers who don’t measure up to those standards will get a higher rate and this can result in the customer buying from someone else. The wording the ads use say “customers that switch” but not “everyone who gets a quote” save that much money. That’s the way insurance companies can advertise the way they do.

This emphasizes why it is so important to get a wide range of price quotes. Because you never know which insurance company will fit your personal profile best.

Take these seven policy discounts and save

Buying car insurance is not cheap, but there could be available discounts to help bring down the price. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be asked about before you will receive the discount.

  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you will save nearly 15% which can help you find low cost car insurance.
  • Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • E-sign Discounts – Some of the larger companies will give you a small discount for signing up on the web.
  • Lower Rates for Military – Being on active deployment in the military could be rewarded with lower prices.
  • Discounts for Safe Drivers – Insureds who avoid accidents can save as much as half off their rates on Mystique coverage compared to rates paid by drivers with frequent claims.
  • Memberships – Affiliation with specific professional or occupational memberships or organizations may earn a discount when getting a car insurance quote.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.

Discounts reduce rates, but you should keep in mind that most credits do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

Companies and some of the discounts are shown below.

  • American Family includes discounts for Steer into Savings, accident-free, early bird, good student, TimeAway discount, and defensive driver.
  • Farm Bureau offers discounts including good student, multi-vehicle, 55 and retired, youthful driver, and renewal discount.
  • State Farm has savings for multiple policy, Steer Clear safe driver discount, passive restraint, driver’s education, accident-free, and good driver.
  • Travelers discounts include IntelliDrive, good student, student away at school, driver training, save driver, and early quote.
  • The Hartford may have discounts that include anti-theft, good student, defensive driver, air bag, driver training, vehicle fuel type, and bundle.
  • GEICO offers discounts for good student, multi-policy, five-year accident-free, driver training, seat belt use, defensive driver, and membership and employees.
  • Progressive may offer discounts for online quote discount, good student, continuous coverage, homeowner, and multi-vehicle.

It’s a good idea to ask every company to give you their best rates. All car insurance discounts might not apply in your area.

Which policy gives me the best coverage?

When buying proper insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

  • When can I cancel my policy?
  • How high should deductibles be on a 1997 Mercury Mystique?
  • Am I covered if I wreck a rental car?
  • Do I have coverage when making deliveries for my home business?
  • Should I carry comprehensive and collision coverage?
  • Are rock chip repairs covered?
  • What is medical payments coverage?
  • Is my Mercury Mystique covered if I use it for business?
  • What is an SR-22 filing?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

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

secured lock Secured with SHA-256 Encryption

Auto insurance policy coverages for a Mercury Mystique

Knowing the specifics of a auto insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on most auto insurance policies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like theft, fire damage, hail damage and hitting a bird. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills like dental work, doctor visits and prosthetic devices. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability coverage can cover damage that occurs to other people or property by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like bail bonds, pain and suffering, legal defense fees, emergency aid and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

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

Collision can pay for things like sideswiping another vehicle, crashing into a building, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Mercury Mystique.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

More comparisons equals lower rates

Throughout this article, we presented quite a bit of information on how to compare 1997 Mercury Mystique insurance auto insurance rates online. The most important thing to understand is the more providers you compare, the better likelihood of getting low cost car insurance. You may even find the lowest auto insurance rates are with the least-expected company. These smaller insurers may only write in your state and offer lower premium rates compared to the large companies like GEICO and State Farm.

Budget-conscious 1997 Mercury Mystique insurance is attainable from both online companies and with local insurance agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who may not have the ability to get quotes online and many times these smaller companies only sell through local independent agents.

Additional detailed information is available in these articles: