How Much Does 1990 Mercury Cougar Car Insurance Cost?

Are you burned out from trying to scrape together enough money to pay your insurance coverage bill each month? You are in the same boat as the majority of other vehicle owners.

Due to the abundance of choices, it is very difficult to locate the lowest price insurance coverage provider.

Take advantage of every insurance discount

Some insurers don’t always list every possible discount in a way that’s easy to find, so the list below details some of the more common as well as the least known credits that you can use to lower your rates.

  • Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Paperwork-free – A handful of insurance companies will give a small break shop auto insurance digitally online.
  • Senior Citizen Rates – Mature drivers may be able to get a discount up to 10% for Cougar insurance.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
  • Homeowners Discount – Simply owning a home can earn you a little savings because owning a home requires personal responsibility.
  • Memberships – Having an affiliation with qualifying employment or professional organizations could earn you a nice discount on your next insurance statement.
  • Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a auto insurance quote.
  • Discount for Good Grades – Being a good student can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
  • No Charge for an Accident – but a handful of insurance companies allow you one accident without getting socked with a rate hike if you have no claims for a set time period.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it appears all the discounts add up to a free policy, it doesn’t quite work that way.

Popular insurance companies and the discounts they provide are:

  • AAA policyholders can earn discounts including good driver, anti-theft, good student, pay-in-full, and education and occupation.
  • Progressive offers premium reductions for good student, multi-policy, homeowner, multi-vehicle, continuous coverage, and online signing.
  • State Farm has savings for Steer Clear safe driver discount, anti-theft, defensive driving training, multiple autos, good driver, and student away at school.
  • Esurance may include discounts for DriveSense, safety device, emergency road assistance, multi-policy, multi-car, and anti-theft.
  • Nationwide may have discounts that include defensive driving, easy pay, anti-theft, business or organization, multi-policy, and Farm Bureau membership.

If you need lower rates, check with each company which discounts you may be entitled to. Depending on the company, some discounts might not be available to policyholders in your area.

Compare quotes for car insurance

To find low cost auto insurance quotes, there are several ways of comparing price quotes from local car insurance companies. The quickest method to find competitive Mercury Cougar insurance rates is to get quotes online. This is quite simple and can be completed in a couple of different ways.

  1. The simplest way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing separate quotes to each individual car insurance company. A single, simple form compares rates from car insurance companies with the best prices.
  2. A harder way to obtain and compare quotes online is to manually visit each company website and complete a new quote form. For sake of this example, we’ll pretend you want to compare rates from Auto-Owners, Esurance and Farmers. To get each rate you have to go to each individual site and repeatedly enter your information, which can get rather old.

    To view a list of companies in your area, click here.

The method you choose is up to you, but be sure you’re using exactly the same coverages on every price quote you get. If the quotes have mixed coverages you will not be able to determine the lowest rate for your Mercury Cougar. Quoting even small variations in limits could mean much higher rates. Just keep in mind that having more price comparisons provides better odds of finding the best price.

How to know if you need help

When it comes to choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether or not you may require specific advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • What if I total my 1990 Mercury Cougar and owe more than it’s worth?
  • Why is insurance for a teen driver so high?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my camper covered by my car insurance policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my 1990 Mercury Cougar covered for flood damage?
  • Do I need replacement cost coverage?
  • Should I bundle my homeowners policy with my auto?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance coverage information

Having a good grasp of your policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on most car insurance policies.

Comprehensive insurance

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

Comprehensive insurance covers things like hitting a deer, rock chips in glass and vandalism. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage

This coverage protects you from injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as emergency aid, repair costs for stationary objects and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with another moving vehicle, crashing into a ditch, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your 1990 Mercury Cougar.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for bills such as surgery, EMT expenses, prosthetic devices and ambulance fees. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Have money to burn

Cost effective 1990 Mercury Cougar insurance is possible both online in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies don’t offer online rate quotes and many times these smaller providers sell through independent agents.

As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. There have been many situations where someone sacrificed liability coverage limits only to discover later that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at the best price but still have enough coverage for asset protection.

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