View 1993 Mercury Cougar Insurance Quotes

Looking for lower insurance coverage rates for your Mercury Cougar? When shopping for lower-priced insurance, are you intimidated by the crazy number of insurance coverage companies available to you? There are such a large number of options that it is a big hassle to compare rates.

If you are paying for car insurance now, you will most likely be able to save some money using these tips. Pricing affordable auto insurance coverage can be fairly easy. Nevertheless, vehicle owners must understand how insurance companies price online insurance and use this information to your advantage.

Save money by taking advantage of discounts

Insurance can be prohibitively expensive, but there’s a good chance there are discounts that may help make it more affordable. Certain discounts will be applied when you complete an application, but a few must be asked about before you will receive the discount.

  • Discount for Low Mileage – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Service Members Pay Less – Being deployed in the military could mean lower premium rates.
  • First Accident Forgiveness – Not a discount per se, but a handful of insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a set time period.
  • More Vehicles More Savings – Drivers who insure multiple vehicles on a single policy can reduce the rates for all insured vehicles.
  • Driver’s Education for Students – It’s a good idea to have your young drivers take driver’s ed class in school.
  • Home Ownership Discount – Just being a homeowner may earn you a small savings because owning a home shows financial diligence.
  • Passive Restraints and Air Bags – Factory options such as air bags can receive discounts up to 30%.
  • Discount for New Cars – Buying a new car model can cost up to 25% less because newer vehicles are generally safer.
  • Membership in Organizations – Having an affiliation with qualifying clubs or civic groups is a good way to get lower rates on your bill.
  • Save over 55 – Seniors can possibly qualify for a discount up to 10% on Cougar coverage.

Don’t be surprised that most of the big mark downs will not be given to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts should help lower your overall premium however.

The best auto insurance companies and a partial list of their discounts include:

  • American Family may include discounts for air bags, multi-vehicle, accident-free, bundled insurance, TimeAway discount, and good student.
  • Nationwide offers premium reductions for family plan, defensive driving, Farm Bureau membership, easy pay, and accident-free.
  • MetLife may offer discounts for claim-free, multi-policy, defensive driver, good student, and accident-free.
  • 21st Century offers discounts including early bird, driver training, teen driver, defensive driver, anti-lock brakes, homeowners, and 55 and older.
  • Farmers Insurance policyholders can earn discounts including switch companies, multi-car, mature driver, early shopping, homeowner, and youthful driver.
  • Allstate may have discounts that include auto/life discount, anti-theft, 55 and retired, resident student, utility vehicle, and senior citizen.

Double check with all companies you are considering the best way to save money. Some of the discounts discussed earlier might not be offered in every state. To find auto insurance companies that offer some of these discounts, click here to view.

How car insurance companies determine Mercury Cougar insurance prices

When buying insurance coverage it’s important to understand the factors that go into determining your premiums. When you understand what determines base rates, this allows you to make educated decisions that can help you get better insurance coverage rates.

  • Responsible drivers pay better prices – Whether or not you get tickets has a big impact on rates. Drivers who don’t get tickets get better rates compared to bad drivers. Only having one speeding ticket or other violation can boost insurance rates to the point where it’s not affordable. Drivers with flagrant tickets such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to keep their license.
  • Costs can change based on your address – Living in a small town can save you money when insuring your vehicles. Residents of big cities tend to have more traffic problems and a longer drive to work. Fewer people means reduced accidents in addition to lower liability claims
  • Insurance coverage rates and age – Older, more experienced drivers are more cautious drivers, cost insurance companies less in claims .Beginning drivers have a tendency to be careless and easily distracted when at the wheel of a vehicle so insurance coverage rates are higher.
  • Insurance coverage rates and your employer – Did you know your job can affect your rates? Careers like real estate brokers, business owners and emergency personnel tend to have the highest average rates attributed to job stress and lots of time spent at work. Conversely, jobs like scientists, engineers and the unemployed generally pay rates lower than average on Cougar coverage.
  • Vehicle options that cut insurance coverage rates – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent your car from being stolen.

How much auto insurance do I need?

When choosing adequate coverage, there is no one size fits all plan. Every situation is different.

For instance, these questions can aid in determining whether you might need professional guidance.

  • Should I have a commercial auto policy?
  • Does car insurance cover theft of personal property?
  • What is medical payments coverage?
  • Should I put collision coverage on all my vehicles?
  • Is business equipment covered while in my vehicle?
  • Why do I only qualify for high-risk insurance?
  • What vehicles should carry emergency assistance coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I have coverage if my license is suspended?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Specific coverage details

Understanding the coverages of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for pain medications, prosthetic devices, chiropractic care and hospital visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverages – Collision insurance covers damage to your Cougar resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like hitting a mailbox, driving through your garage door, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, fire damage and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Liability car insurance – This protects you from injuries or damage you cause to people or other property by causing an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims like repair costs for stationary objects, funeral expenses, bail bonds and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Make an honest buck

Discount 1993 Mercury Cougar insurance is definitely available from both online companies as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not offer rates over the internet and these small, regional companies provide coverage only through independent insurance agencies.

Throughout this article, we presented some good ideas how you can save on 1993 Mercury Cougar insurance. The key concept to understand is the more you quote auto insurance, the better likelihood of getting affordable auto insurance. You may even discover the best car insurance rates are with a small mutual company.

Drivers who switch companies do it for any number of reasons including lack of trust in their agent, extreme rates for teen drivers, high rates after DUI convictions and an unsatisfactory settlement offer. Whatever your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

To read more, feel free to visit the articles below: