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...

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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.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: May 17, 2018

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Being forced to pay for overpriced car insurance premiums can eat up your bank account and possibly require you to analyze your spending habits. Doing a rate comparison is recommended to tighten up your finances.

Due to the large number of car insurance companies to choose from, it’s nearly impossible to pick a more affordable company.

Consumers need to do rate comparisons at least once a year because prices are constantly changing. If you had the best price on Mystique coverage a few years ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to learn one of the easiest ways to get good coverage at a lower rate.

Finding affordable coverage is not that difficult. If you have car insurance now, you stand a good chance to be able to save some money using this strategy. But car owners should learn how big insurance companies compete online and apply this information to your search.

How you can control Mercury Mystique insurance premiums

A large part of saving on auto insurance is knowing the rating factors that play a part in calculating the price you pay for auto insurance. When consumers understand what determines premiums, this allows you to make educated decisions that can earn you much lower annual insurance costs. Lots of factors are part of the calculation when quoting car insurance. Some factors are common sense such as your driving record, but other criteria are more obscure like where you live or your commute time.

The itemized list below are some of the major factors used by your company to calculate your rate level.

  • Where you reside factors in – Having an address in small towns and rural areas can be a good thing when talking about auto insurance. Drivers who live in large cities have to deal with more auto accidents and higher rates of accident claims. Fewer drivers on the road means fewer accidents and also fewer theft and vandalism claims.
  • Does your occupation cost you more? – Did you know your career choice can influence rates? Occupations such as military generals, executives and accountants tend to have the highest rates because of stressful work requirements and long work days. Other jobs such as professors, students and retirees generally pay rates lower than average on Mystique coverage.
  • Don’t buy extra coverages that may not be needed – There are a lot of extra coverages that sound like a good idea at the time if you aren’t careful. Coverages like rental car reimbursement, high-cost glass coverage, and additional equipment coverage are probably not needed. They may sound like good ideas when talking to your agent, but your money might be better spent on other coverage so get rid of them and save.
  • Credit history impacts premium rates – Credit history can be an important factor in calculating your auto insurance rates. If your credit rating leaves room for improvement, you could save money insuring your 1999 Mercury Mystique if you clean up your credit. People with high credit ratings tend to file fewer claims and have better driving records than those with poor credit.
  • Your spouse saves you money – Walking down the aisle may cut your premiums on your auto insurance bill. Having a significant other is viewed as being more mature than a single person and insurance companies reward insureds because being married results in fewer claims.
  • Never allow your policy to lapse – Letting your insurance expire is a fast way to increase your rates. In addition to paying higher rates, getting caught without coverage will get you a hefty fine and possibly a revoked license. You may then be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.

The most recommended method to compare rates is to know auto insurance companies pay for the opportunity to provide you with a free rate quote. The only thing you need to do is provide details like if it has an alarm system, whether your vehicle is owned or leased, if a SR-22 is required, and how much education you have. The data is automatically sent to many different companies and they provide comparison quotes almost instantly.

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

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Tricks in insurance advertising

Respected companies like Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. All the companies advertise claims that drivers can save some big amount just by moving to their company. How can each company offer you a better deal? This is how they do it.

Different companies offer their best rates for the right customer that will not have excessive claims. A good example of this type of risk profile may need to be over the age of 50, has no claims, and chooses high deductibles. Someone that fits those parameters may get the lowest car insurance rates and most likely will save quite a bit of money when switching.

Drivers who are not a match for those standards will be charged a higher premium which usually ends up with the driver buying from a lower-cost company. The ads state “drivers that switch” not “everybody who quotes” save that much money. That’s why companies can make claims that they all have the best premium rates. Because every company is different, you need to compare many company’s premium rates. It is just not possible to predict the company that will have the best car insurance rates at this point in time.

Don’t overlook these insurance discounts

Not too many consumers would say insurance is affordable, but you may find discounts that you may not even be aware of. Certain credits will be shown at the time of purchase, but once in a while a discount must be manually applied before they will apply.

  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you a lower rate if you buy a life policy as well.
  • More Vehicles More Savings – Having several vehicles with the same insurance company could earn a price break for each car.
  • Senior Discount – Older drivers could receive a slight reduction on a auto insurance quote on Mystique coverage.
  • Anti-theft Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your auto insurance quote.
  • Seat Belts Save – Drivers who require all vehicle occupants to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • College Student – Any of your kids who live away from home to go to college and do not take a car to college could qualify for this discount.

It’s important to note that most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. So even though it sounds like you can get free auto insurance, it’s just not the way it works.

To see insurers offering insurance discounts, click this link.

When to get professional advice

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might point out if you might need professional guidance.

  • Where can I find high-risk insurance?
  • Am I covered if I hit a deer?
  • Do I have newly-aquired coverage?
  • How do I insure my teen driver?
  • Is my teenager covered with friends in the car?
  • Are my friends covered when driving my car?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

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

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Auto insurance coverages

Knowing the specifics of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverages offered by insurance companies.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like surgery, hospital visits, pain medications and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 1999 Mercury Mystique.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, rock chips in glass and fire damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.


This provides protection from damage that occurs to other’s property or people in an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as medical services, legal defense fees, court costs, attorney fees and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage protection

Collision insurance pays for damage to your Mystique caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like backing into a parked car, sustaining damage from a pot hole, damaging your car on a curb, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Don’t be a big spender

Some companies do not offer rate quotes online and these smaller companies work with independent insurance agents. Low-cost 1999 Mercury Mystique insurance can be bought on the web and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis.

When you buy auto insurance online, do not buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.

We covered a lot of tips how to get a better price on 1999 Mercury Mystique insurance. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest premium rates are with some of the smallest insurance companies. Regional companies may have significantly lower prices on certain market segments as compared to the big name companies such as GEICO and State Farm.

More tips and info about insurance coverage can be found in the articles below: