Cheaper 1999 Mercury Cougar Insurance Rates

Want cheaper insurance rates for your Mercury Cougar? I can’t think of anyone who likes buying insurance, in particular when their premiums are too high. Lots of insurers contend for your business, and because of this it can be hard to compare insurance companies to get the best rates possible.

Consumers should take time to do price comparisons occasionally since insurance rates fluctuate regularly. Despite the fact that you may have had the best deal for Cougar coverage last year you may be paying too much now. Forget all the misinformation about insurance because we’re going to show you the tricks you need to know to reduce your cost while increasing coverage.

If you have a policy now or are shopping for new coverage, you can use these techniques to shop for the lowest rates while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Consumers just need to know the tricks to shop over the internet.

Buy insurance coverage online

Getting a more affordable price on 1999 Mercury Cougar insurance is not a difficult process. Consumers just need to take time getting comparison quotes provided by online insurance companies. Price comparisons can be done using one of these methods.

  1. If you are pressed for time, the simplest way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This style of form saves time by eliminating a different quote for each company. Completing one form gets insurance cost estimates from multiple companies.
  2. A slightly less efficient method to get comparison quotes is to manually visit each company’s website and repeat the quote process. For example, we’ll assume you want to compare GEICO, Safeco and State Farm. You would be required to spend time on each company’s site to enter the same coverage data repeatedly, and that explains why we recommend the first method.

    For a list of companies in your area, click here.

The method you choose is up to you, but make darn sure you compare apples-to-apples coverage information on every quote you get. If the quotes have different limits and deductibles on each one it will be next to impossible to truly determine the lowest rate.

You can change your insurance rates

Lots of things are part of the equation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but some are not quite as obvious like where you live or your commute time.

  • Youthful drivers are expensive to insure – Drivers with little experience are known to be inattentive and easily distracted when driving with friends so car insurance rates are higher. Parents adding a youthful driver onto your car insurance can increase premiums substantially. Older people are viewed as being more responsible, tend to cause fewer accidents .
  • Insure car and home with the same company – Most companies give better rates to clients who consolidate policies with them in the form of a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even if you’re getting this discount it’s always a smart idea to comparison shop to confirm you are receiving the best rates possible.
  • Don’t skimp on liability coverage – Your policy’s liability coverage is the coverage that protects you in the event that you are responsible for damages caused by your negligence. Your liability coverage provides legal defense coverage up to the limits shown on your policy. It is affordable coverage compared to comp and collision, so do not skimp.
  • Lower miles driven equals lower premium – The higher the miles on your Mercury in a year’s time the higher the price you pay to insure it. A lot of insurance companies calculate prices based upon how the vehicle is primarily used. Cars left parked in the garage cost less to insure as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your declarations sheet states the proper vehicle usage, because improper ratings can cost you money. A policy that improperly rates your Cougar is throwing money out the window.
  • Does insurance cost less for women? – Statistics have proven women are more cautious behind the wheel. It does not mean females are better drivers. Males and females are responsible for accidents at a similar rate, but the males tend to have higher claims. Men also tend to get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Male teenagers are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Employer stress can make you pay more – Occupations such as real estate brokers, business owners and dentists generally have higher average rates because of intense work-related stress and incredibly demanding work hours. On the other hand, professions such as professors, engineers and retirees generally pay rates lower than average for Cougar coverage.

Cheaper insurance quotes with discounts

The price of auto insurance can be rather high, but you may be missing some discounts that you may not know about. Most are applied when you complete an application, but some discounts are required to be asked about in order for you to get them.

  • Early Switch Discount – A few insurance companies allow discounts for switching companies prior to your current policy expiring. You may see this discount when you get car insurance quotes online.
  • Mature Driver Discount – If you’re over the age of 55, you may receive a small discount on rates for Cougar coverage.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Professional Memberships – Joining a professional or civic organization can get you a small discount on your next renewal.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you could get a discount of 10% to 20% off each policy.
  • Driver’s Ed – Have your child take driver’s ed class if offered at their school.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 15% off the personal injury premium cost.
  • First Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies will let one accident slide without raising rates as long as you don’t have any claims for a certain period of time.
  • Defensive Driver Discounts – Participating in a course teaching defensive driver skills could earn you a small percentage discount if you qualify.

Just know that most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, that’s just not realistic. But any discount will definitely lower the cost of coverage.

A few popular companies and their possible discounts are shown below.

  • State Farm offers discounts including Steer Clear safe driver discount, driver’s education, anti-theft, accident-free, and passive restraint.
  • Progressive may include discounts for good student, multi-policy, online signing, continuous coverage, and multi-vehicle.
  • Travelers offers discounts for good student, save driver, continuous insurance, driver training, hybrid/electric vehicle, and home ownership.
  • American Family has savings for mySafetyValet, TimeAway discount, Steer into Savings, good student, multi-vehicle, and accident-free.
  • Liberty Mutual offers premium reductions for safety features, multi-policy, good student, newly married, and new move discount.

It’s a good idea to ask each company or agent what discounts are available to you. Depending on the company, some discounts may not apply to policyholders in your area. To see insurance companies with significant discounts, click here to view.

Tailor your insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. For example, these questions can help discover if your insurance needs may require specific advice.

  • Should I drop comprehensive coverage on older vehicles?
  • Should I buy more coverage than the required minimum liability coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I benefit by insuring my home with the same company?
  • Why do I only qualify for high-risk insurance?
  • Should I bundle my homeowners policy with my auto?
  • Is my 1999 Mercury Cougar covered for flood damage?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.

What insurance coverages do you need?

Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses for X-ray expenses, EMT expenses, surgery and pain medications. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

This coverage will pay to fix damage to your Cougar resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like backing into a parked car, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from 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 claims such as fire damage, hitting a deer, hitting a bird and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability

Liability insurance can cover damage or injury you incur to a person or their property that is your fault. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims like pain and suffering, funeral expenses, medical expenses, court costs and bail bonds. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Uninsured and underinsured coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mercury Cougar.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

A fool and his money are soon parted

Lower-priced car insurance can be purchased on the web and also from your neighborhood agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get a quote online and these small, regional companies provide coverage only through independent insurance agencies.

You just learned a lot of ways to reduce 1999 Mercury Cougar insurance rates online. The key concept to understand is the more companies you get auto insurance rates for, the more likely it is that you will get a better rate. You may even discover the best rates are with a smaller regional carrier. Regional companies can often insure niche markets at a lower cost than their larger competitors like Progressive and GEICO.

As you restructure your insurance plan, don’t be tempted to buy poor coverage just to save money. There have been many cases where an insured dropped full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at the best cost and still be able to protect your assets.

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