Save on 1997 Mercury Cougar Insurance Quotes

Trying to find lower insurance coverage rates for your Mercury Cougar? Have you fallen victim to high-priced insurance coverage? Believe me when I say you’re not the only one. Lots of car insurance companies contend for your insurance dollar, and it can be difficult to compare rates to find the absolute lowest cost out there.

It is always a good idea to check insurance coverage prices yearly since insurance rates go up and down regularly. Just because you found the best rates for Cougar coverage a few years ago there is a good chance you can find better rates now. Starting right now, forget anything you know (or think you know) about insurance coverage because you’re going to learn the only way to reduce your cost while increasing coverage.

If you have insurance now or need a new policy, you can learn to get lower rates while maintaining coverages. Buying car insurance is quite easy. Drivers just need to understand the most efficient way to buy car insurance online.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help bring down the price. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be inquired about before being credited. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Early Signing – A few companies offer discounts for switching policies prior to your current policy expiring. This can save 10% or more.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Low Mileage Discounts – Keeping the miles down on your Mercury can earn discounted rates on garaged vehicles.
  • Passive Restraints – Factory air bags can qualify for discounts up to 30%.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you may save at least 10% off all policies.
  • Driver Safety – Successfully completing a course teaching defensive driving skills could save 5% or more if your company offers it.

Keep in mind that some of the credits will not apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will help reduce the cost of coverage.

Car insurance companies who might offer some of the above discounts are:

Double check with each insurance company which discounts you may be entitled to. Discounts may not apply everywhere.

Mercury Cougar insurance rates have many determining factors

Consumers need to have an understanding of the rating factors that help determine your insurance coverage rates. Knowing what impacts premium levels helps enable you to make changes that can help you get lower insurance coverage prices.

  • Adjust deductibles and save – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Mercury. A few examples of covered claims could be running into the backend of another car, vandalism, and windstorm damage. Your deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The more money you have to pay, the lower your rates will be for Cougar coverage.
  • Protect your assets with liability insurance – The liability section of your policy is the coverage that protects you if ever a court rules you are at fault for damages caused by your negligence. Liability insurance provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • A lapse in coverage is a bad thing – Driving without insurance can get your license suspended and your next policy will cost more because you let your insurance lapse. Not only will rates go up, getting caught without coverage can result in a hefty fine and possibly a revoked license.You may need to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Are you male or female? – The statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes are in accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to have more aggressive citations like reckless driving and DUI. Youthful male drivers are the most expensive to insure and therefore have the most expensive insurance coverage rates.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • Am I covered when driving someone else’s vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • When would I need rental car insurance?
  • Is my trailer covered?
  • If my pet gets injured in an accident are they covered?
  • Do I need an umbrella policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Don’t listen to company ads

Consumers can’t get away from ads for the lowest price auto insurance from companies such as Progressive, Allstate and Geico. They all have a common claim that you’ll save big after switching your policy.

How does each company make almost identical claims?

All the different companies are able to cherry pick for the type of driver that makes them money. For example, a driver they prefer could possibly be between the ages of 40 and 55, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications receives the best rates and therefore will save when switching.

Consumers who don’t meet these standards will be charged a more expensive rate which leads to business going elsewhere. Company advertisements say “customers that switch” but not “drivers who get quotes” save that kind of money. That is how companies can truthfully claim big savings.

That is why it’s extremely important to compare many company’s rates. It’s not possible to predict the company that will give you the biggest savings on Mercury Cougar insurance.

Detailed coverages of your insurance policy

Having a good grasp of your policy aids in choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types available from insurance companies.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, theft, damage from a tornado or hurricane, damage from getting keyed and a broken windshield. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Mercury Cougar.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses like pain medications, prosthetic devices and dental work. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

This will pay to fix damage to your Cougar from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, backing into a parked car, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Liability car insurance

This coverage provides protection from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as emergency aid, repair bills for other people’s vehicles, court costs, structural damage and legal defense fees. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Best coverage at the best price

We just showed you some good ideas how to shop for 1997 Mercury Cougar insurance online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with a small mutual company. These companies often have lower prices on specific markets as compared to the big name companies such as Geico and State Farm.

Affordable insurance is attainable on the web and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers may not provide online quoting and these smaller companies work with independent agents.

Even more information can be found at these sites: