Have you fallen victim to high-priced auto insurance? Trust us, there are many consumers feeling the pinch from expensive auto insurance. You have multiple insurance companies to insure vehicles with, and although it’s nice to have a choice, so many choices can make it hard to find the lowest rates.
Finding the best auto insurance coverage is easy if you know what you’re doing. If you have a policy now or are just looking to switch companies, you can use these tips to shop for the lowest rates while maintaining coverages. Consumers just need to understand how to shop for auto insurance online.
Do you qualify for a discount?
The cost of insuring your cars can be expensive, but you may find discounts to help offset the cost. Certain discounts will be applied when you purchase, but less common discounts must be requested specifically before they will apply. If you aren’t receiving every discount you deserve, you are paying more than you should be.
- Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
- E-sign – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
- Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
- Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Mystique coverage with a few auto insurance companies.
- Discount for Good Grades – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
- Defensive Driver – Completing a driver safety course can save you 5% or more if your company offers it.
- Multiple Policy Discount – If you insure your home and vehicles with the same company you will save approximately 10% to 15%.
- Fewer Miles Equal More Savings – Keeping the miles down on your Mercury could qualify for better rates on cars that stay parked.
As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like you could get a free auto insurance policy, you won’t be that lucky. Any amount of discount will cut the amount you have to pay.
For a list of insurance companies with the best auto insurance discounts, click this link.
Where Can I Get Cheap Auto Insurance?
Cutting your auto insurance rates is a fairly straight forward process. All you need to do is spend a little time to get quotes online with multiple companies. It is quite easy and can be accomplished in several different ways.
- The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This form eliminates the need for separate quotation requests for each company. Taking the time to complete one form will return quotes from several companies.
- A different way to compare rate quotes consists of visiting each company’s website to complete their respective quote request forms. For instance, let’s say you want comparison quotes from Allstate, GEICO and American Family. To get each rate you have to visit each site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
Whichever method you choose, compare apples-to-apples coverages for every quote you compare. If each company quotes different deductibles then you won’t be able to truly determine the lowest rate.
What coverages do I need?
When buying the best auto insurance coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions might help in determining whether your personal situation will benefit from professional help.
- Does my policy cover me when driving someone else’s vehicle?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Do all my vehicles need collision coverage?
- Am I covered by my spouse’s policy after a separation?
- Can I afford to buy a different vehicle if my Mercury Mystique is totaled?
- Does my medical payments coverage pay my health insurance deductible?
- Who is covered by my policy?
- Am I covered when driving a rental car?
- Will my rates increase for filing one claim?
- What if I total my Mercury Mystique and owe more than it’s worth?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.
Compare but don’t skimp
As you restructure your insurance plan, never buy less coverage just to save a little money. There are many occasions where drivers have reduced full coverage and found out when filing a claim that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage for the lowest price while still protecting your assets.
We just presented many ways to lower your Mercury Mystique insurance rates. The key thing to remember is the more you quote, the better your comparison will be. You may even find the best prices are with a lesser-known regional company. Smaller companies may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.
