Lower Your 1991 Mercury Cougar Insurance Rates

Trying to find lower insurance coverage rates for your Mercury Cougar? Feel like you’re a prisoner to an overpriced insurance coverage policy? Trust us, there are many drivers thinking the same thing.

Lots of auto insurance companies contend for your insurance dollar, so it can be very hard to choose a insurance company to discover the definitive lowest price

If you have car insurance now, you will be able to save some money using these tips. Finding the best rates is not rocket science. Although consumers can benefit by having an understanding of how companies sell insurance online because it can help you find the best coverage.

Lower rate quotes with these insurance coverage discounts

Companies offering auto insurance don’t necessarily list every disount available very well, so the list below gives a summary of a few of the more well known and the harder-to-find discounts that you can inquire about if you buy insurance online. If you do not check that you are getting every discount you qualify for, you are just wasting money.

  • Driver’s Education for Students – Require your teen driver to participate in a local driver’s education class in school.
  • Federal Government Employee – Active or former government employment could qualify for a slight premium decrease for Cougar insurance with a few insurance coverage companies.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better rates if you take out auto and life insurance together.
  • Homeowners Pay Less – Owning a home can save you money due to the fact that maintaining a home requires a higher level of personal finance.
  • Claim Free – Insureds who avoid accidents and claims can save substantially in comparison with drivers who are more careless.
  • Student Discounts – This discount can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Data Collection Discounts – Drivers that enable companies to scrutinize their driving habits by using a small device installed in their vehicle like Allstate’s Drivewise could possibly reduce rates if they show good driving skills.

As a sidenote, some credits don’t apply the the whole policy. Some only apply to individual premiums such as liability and collision coverage. So even though you would think all the discounts add up to a free policy, it just doesn’t work that way.

A few companies that may offer most of the discounts above possibly include:

Before you buy a policy, ask each company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policies everywhere.

First Step: Get free auto insurance quotes

There are a variety of methods to compare auto insurance prices but one way is more efficient than others. You could waste a few hours talking to insurance companies in your area, or you could save time and use online quoting to get the quickest rates.

Many of the larger companies participate in a marketplace where insurance shoppers submit one quote, and at least one company returns a rated price based on that data. This system prevents you from having to do quotation requests for every auto insurance company. To find out how much you’re overpaying now click here to start a free quote.

One minor caviat to using this type of form is you don’t know exactly which carriers you will receive quotes from. So if you want to choose specific providers to receive pricing from, we have a page of low cost auto insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but ensure you are comparing identical coverage limits and deductibles on every quote. If the quotes have different deductibles it’s impossible to determine the lowest rate for your Mercury Cougar. Slightly different insurance coverages or limits may result in large price differences. And when price shopping your coverage, comparing more rates from different companies provides better odds of finding the best price. Some insurance companies are not set up to provide quotes online, so you need to compare rates from them, too.

Auto insurance can get complicated

When it comes to choosing proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique so this has to be addressed. For example, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • What is UM/UIM insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is extra glass coverage worth it?
  • Do I need replacement cost coverage?
  • When should I drop full coverage on my 1991 Mercury Cougar?
  • Do all my vehicles need collision coverage?
  • When would I need rental car insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • What can I do if my company denied a claim?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance coverage specifics

Understanding the coverages of car insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. These are typical coverages available from car insurance companies.

Auto collision coverage

Collision coverage will pay to fix damage to your Cougar caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like scraping a guard rail, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, theft, a broken windshield, damage from getting keyed and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance

Liability insurance can cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like repair bills for other people’s vehicles, attorney fees, pain and suffering and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as X-ray expenses, hospital visits and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

In conclusion

More affordable insurance can be sourced on the web as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some companies do not offer the ability to get quotes online and these small, regional companies only sell through independent agents.

We just covered many ways to shop for 1991 Mercury Cougar insurance online. The most important thing to understand is the more rate quotes you have, the better likelihood of getting inexpensive insurance. Consumers may even find the lowest priced insurance comes from a small local company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Progressive and GEICO.

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