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: Oct 5, 2015

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Searching for lower car insurance rates for your Mercury Mystique? When trying to find cheaper insurance, are you intimidated by the dozens of car insurance choices that you can choose from? Many other drivers are as well. There are so many options that it can quickly become a difficult mission to find the perfect company for you.

Lower rates by qualifying for discounts

Car insurance companies do not list their entire list of discounts very well, so the following is a list of both the well known as well as the least known discounts that you can inquire about if you buy auto insurance online. If you check and find you aren’t receiving every discount you deserve, you could be saving more on your auto insurance.

  • Clubs and Organizations – Affiliation with certain professional organizations is a simple method to lower premiums when shopping for auto insurance.
  • Sign Online – A few larger online companies will give a small break for buying your policy online.
  • College Student – who live away from home at college and leave their car at home may be insured at a cheaper rate.
  • Claim-Free Discount – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote compared to insureds who have frequent claims or accidents.
  • Bundle and Save – If you combine your home and auto policies with the same insurance company you could save up to 20% and get you the cheapest auto insurance.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save up to 15% on medical payment and PIP coverage.
  • 55 and Retired – Drivers over the age of 55 may receive lower premium rates for Mystique coverage.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower rates if you buy life insurance.
  • Accident Waiver – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident without getting socked with a rate hike so long as you haven’t had any claims for a certain period of time.

It’s important to understand that most discount credits are not given the the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it appears you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

Some of the larger companies that may have most of these discounts possibly include:

If you want cheap auto insurance quotes, ask each insurance company to give you their best rates. Some of the discounts discussed earlier may not apply in every state. For a list of providers with the best auto insurance discounts, follow this link.

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

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Mercury Mystique insurance rates can be more affordable

Lots of factors are used when premium rates are determined. Some are obvious like a motor vehicle report, although some other factors are more obscure such as your credit history or how financially stable you are.When buying car insurance it’s important to understand some of the elements that help calculate your premiums. If you understand what determines premiums, this enables you to make decisions that may reward you with better car insurance rates.

  • Car insurance liability coverage limits – The liability section of your policy kicks in if you are determined to be liable for damages from an accident. Your policy’s liability insurance provides legal defense coverage which can cost a lot. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Where you reside is a factor – Being located in less populated areas can be a good thing when shopping for auto insurance. People in densly populated areas regularly have more auto accidents and higher rates of accident claims. Less people living in that area means less chance of accidents in addition to lower liability claims
  • Employer reflects on car insurance rates – Careers such as military generalspolice officers and dentists tend to have the highest average rates because of intense work-related stress and extremely grueling work hours. Conversely, occupations like professors, students and the unemployed have the lowest average rates for Mystique coverage.
  • Don’t cancel your coverage without a new one in place – Driving without insurance coverage in place is against the law and companies may charge more for letting your coverage lapse. In addition to paying higher rates, the inability to provide proof of insurance will get you a license revocation or jail time.
  • Gender as a rate factor – The statistics show females are less aggressive when driving. Now that doesn’t mean males are worse at driving than females. Women and men have accidents at a similar rate, but the men tend to have higher claims. Men also get more serious tickets such as DWI and reckless driving.
  • Lower rates by increasing deductibles – Your deductibles state the amount of money you are required to spend out-of-pocket if a covered claim is submitted. Insurance for physical damage to your car, also called comprehensive and collision insurance, covers damage that occurs to your car. Some examples of covered claims are a windshield broken by a bird, fire damage, and having a roll-over accident. The more you have to pay, the less your car insurance will be for Mystique coverage.

Auto insurance is unique, just like you

When choosing proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different.

These are some specific questions may help you determine if your insurance needs might need an agent’s assistance.

  • Can I afford to buy a different vehicle if my 2000 Mercury Mystique is totaled?
  • I have a DUI can I still get coverage?
  • Am I getting all the discounts available?
  • Is rental equipment covered for theft or damage?
  • What is the difference between comprehensive and collision coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Should I sign the liability waiver when renting a car?
  • When do I need to add a new car to my policy?
  • When should I remove comp and collision on my 2000 Mercury Mystique?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form.

The coverage is in the details

Understanding the coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto liability insurance

This coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as medical services, bail bonds and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a building, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like hospital visits, chiropractic care, EMT expenses, pain medications and doctor visits. They are utilized in addition to your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like theft, hail damage, falling objects and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

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

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At the end of the day…

The cheapest 2000 Mercury Mystique insurance is possible online in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies do not provide rate quotes online and many times these smaller companies only sell coverage through local independent agencies.

Throughout this article, we presented some good ideas how to reduce 2000 Mercury Mystique insurance rates online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding the cheapest auto insurance. You may even find the most savings is with some of the lesser-known companies.

Drivers leave their current company for any number of reasons including extreme rates for teen drivers, lack of trust in their agent, policy cancellation and even unfair underwriting practices. Regardless of your reason for switching companies, finding a great new company is easier than you think.

To learn more, feel free to browse the articles below: