1997 Mercury Cougar Insurance Cost

If price shopping car insurance quotes online is new to you, you can be confused by the confusing number of insurers who claim to have the best insurance coverage rates.

Consumers need to get comparison quotes every six months due to the fact that insurance rates tend to go up over time. If you had the best rate on Cougar coverage a year ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about insurance coverage because you’re about to learn how to use the internet to properly buy coverages while reducing your premium.

Double check you’re getting these discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not know about. Certain credits will be shown at the time of purchase, but some must be specially asked for before they will apply. If you check and find you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.

  • Auto/Life Discount – Select insurance companies reward you with lower prices if you buy life insurance from them.
  • Telematics Devices – People who choose to allow their company to study driving habits through the use of a telematics system such as State Farm’s In-Drive could save a few bucks if they have good driving habits.
  • Professional Organizations – Belonging to qualifying employment or professional organizations is a simple method to lower premiums on your next insurance coverage statement.
  • Paperless Signup – Some of the larger companies will give you a small discount for buying a policy and signing up digitally online.
  • Government Employee Discount – Simply working for the federal government can save as much as 8% on Cougar coverage with select insurance companies.
  • College Student Discount – who live away from home to go to college and leave their car at home may qualify for this discount.
  • Driver Safety – Successfully completing a course in driver safety is a good idea and can lower rates and also improve your driving technique.
  • Discounts for New Vehicles – Insuring a vehicle that is new can get you a discount since newer vehicles are generally safer.
  • No Claims – Drivers who stay claim-free are rewarded with significantly better rates on car insurance quote in comparison to policyholders that have many claims.

You can save money using discounts, but most discount credits are not given to the entire cost. Most only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way.

Companies who might offer most of the discounts above possibly include:

Before you buy a policy, ask every insurance company which discounts you qualify for. Some discounts listed above might not be offered in your state. To locate insurers with discount rates, click this link.

How to compare insurance quotes

There are several ways of comparing price quotes from companies that offer insurance in your state. The fastest way to find competitive 1997 Mercury Cougar insurance rates is to jump online and get quotes. It’s really quite simple and can be done in a couple of different ways.

If you don’t have a lot of time, the easiest way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This style of form saves time by eliminating separate quotes for every insurance company. In just a few minutes this one form gets rate comparisons from insurance companies with the best prices. This is by far the quickest method.

A harder way to find better pricing is to take the time to go to the website for every company you want to comare to request a price quote. For example, let’s assume you want rates from Auto-Owners, Liberty Mutual and GEICO. To get rate quotes you would need to visit each site and repeatedly enter your information, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.

However you get your quotes, be sure to compare equivalent information for each price quote. If your comparisons have different deductibles it will be very difficult to make a fair comparison for your Mercury Cougar. Slightly different limits may cause a big price difference. It’s important to know that having more price comparisons will improve the odds of getting the best rates.

Special considerations

When it comes to buying coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions can help discover whether you might need professional guidance.

  • Why am I required to buy liability insurance?
  • Am I covered by my spouse’s policy after a separation?
  • How high should my medical payments coverage be?
  • How much liability insurance is required?
  • If my 1997 Mercury Cougar is totaled, can I afford another vehicle?
  • When would I need additional glass coverage?
  • What are the financial responsibility laws in my state?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form.

Specific coverages for a 1997 Mercury Cougar

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Liability auto insurance – This coverage protects you from damage that occurs to other people or property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as funeral expenses, emergency aid, attorney fees, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Collision – This will pay to fix damage to your Cougar from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a parking meter, sideswiping another vehicle, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a deer, hail damage, damage from flooding and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for immediate expenses such as surgery, X-ray expenses and doctor visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Mercury Cougar.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Make a quick buck

Some car insurance companies may not have internet price quotes and many times these regional insurance providers prefer to sell through local independent agents. Budget-friendly car insurance can be found both online as well as from insurance agents, and you should compare rates from both to have the best selection.

Drivers switch companies for any number of reasons including poor customer service, high prices, questionable increases in premium and even delays in responding to claim requests. It doesn’t matter what your reason, choosing a new company can be easier than you think.

We just showed you some good ideas how you can compare 1997 Mercury Cougar insurance auto insurance rates online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest auto insurance rates come from the least-expected company.

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