$1100 sounds steep. I got the timing belt prophylactically changed when I got my Mystique at 65k miles. The work was done at a Ford dealership: $550, incl. labor and the "need" to change the tensioner pulley. And this is in Ma$$achu$ett$, too.

Po 1995 Mercury Mystique GS: Zetec 2.0L I-4, CD4E 1978 Ford Thunderbird Town Landau: 351M (5.8L V-8), FMX Coming in 2007 -- 1986 Jaguar XJ12 Sovereign: 5.3L High-Efficiency V-12, GM transmission