Compare 2000 Mercury Cougar Car Insurance Quotes

Trying to find lower auto insurance rates for your Mercury Cougar? Searching for low-cost insurance for a Mercury Cougar can turn out to be an all-consuming task, but you can use our auto insurance buying tips to save time.

There is a better way to compare auto insurance rates so we’re going to tell you the best way to compare rates for your Mercury and obtain the best price possible from local insurance agents and online providers.

It’s a great practice to shop coverage around as often as possible because rates change regularly. Just because you found the best premium rates on Cougar coverage two years ago you can probably find a lower rate today. There is a lot of wrong information about auto insurance online but in this article, you’re going to get some solid techniques on how to find cheap auto insurance.

Pricing the best insurance coverage coverage is easy if you know what you’re doing. If you have insurance now or need new coverage, you can follow these tips to shop for the lowest rates while maximizing coverage. Drivers only need an understanding of the proper way to get comparison quotes on the web.

Seven factors that influence insurance rates

Smart consumers have a good feel for the rating factors that aid in calculating the level of your policy premiums. If you know what determines premiums, this empowers consumers to make smart changes that can earn you cheaper rates.

The list below includes some of the most common factors utilized by car insurance companies to help set your rates.

  • Know your credit history – Having a good credit history can be an important factor in your rate calculation. Consumers who have excellent credit tend to be less risk to insure than those with poor credit scores. If your credit can use some improvement, you could potentially save money when insuring your 2000 Mercury Cougar by repairing your credit.
  • You might want pay the inexpensive car insurance claims yourself – Insurance companies award lower rates to insureds who are not frequent claim filers. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.
  • What are good liability protection limits? – Liability coverage provides coverage in the event that a court rules you are at fault for damages caused by your negligence. Your liability coverage provides for a legal defense to defend your case. Liability insurance is quite affordable compared to other policy coverages, so insureds should have plenty of protection for their assets.
  • Allowing your car insurance policy to lapse raises prices – Having a gap between insurance policy dates can be a sure-fire way to drive up your policy premiums. In addition to paying higher premiums, not being able to provide proof of insurance could earn you a hefty fine and possibly a revoked license.
  • Discounts for married couples – Walking down the aisle can actually save you money compared to being single. Having a significant other generally demonstrates drivers are less irresponsible and it’s proven that married drivers tend to have fewer serious accidents.
  • Policy add-ons could be costing you – There are a ton of additional extra coverages that can add up but may not be useful. Coverage for things like rental car reimbursement, towing, and extra life insurance coverage could be just wasting money. These may sound like a good investment at first, but if you have no use for them eliminate the coverages to reduce your premium.
  • Where you reside factors in – Being located in areas with lower population may provide you with better prices when insuring your vehicles. Fewer drivers and short commutes corresponds to lower accident rates in addition to lower liability claims Urban drivers have to deal with more road rage incidents and more time behind the wheel. Higher commute times means a statistically higher chance of an accident.

Find discounts on auto insurance

Insuring your fleet can be pricey, but you might be missing out on some discounts that could help you make your next renewal payment. Most are applied when you complete an application, but a few must be asked about before being credited.

  • Anti-lock Brakes – Cars equipped with ABS or steering control have fewer accidents so you can save 10 percent or more.
  • Early Renewal Discounts – Some companies provide a discount for switching policies prior to your current policy expiration. This discount can save up to 10%.
  • Senior Citizens – Drivers that qualify as senior citizens may be able to get lower premium rates on Cougar coverage.
  • No Claim Discounts – Drivers who stay claim-free can earn big discounts compared to bad drivers.
  • Auto/Life Discount – Some auto insurance companies give a lower auto insurance rate if you buy a life policy as well.
  • Seat Belt Discounts – Forcing all vehicle occupants to wear their seat belts can save a little off PIP or medical payments premium.
  • Air Bag Discount – Vehicles equipped with air bags can qualify for discounts of 20% or more.
  • Full Payment Discount – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Defensive Driver Discount – Completing a safe driver course could save 5% or more if you qualify.

We need to note that many deductions do not apply to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. So even though you would think you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

A few popular companies and some of the discounts are included below.

  • GEICO has discounts for five-year accident-free, anti-lock brakes, emergency military deployment, air bags, and defensive driver.
  • SAFECO offers premium reductions for anti-theft, teen safe driver, safe driver, bundle discounts, and homeowner.
  • State Farm policyholders can earn discounts including good student, passive restraint, driver’s education, anti-theft, good driver, and safe vehicle.
  • MetLife has savings for good driver, accident-free, claim-free, multi-policy, good student, defensive driver
  • 21st Century may have discounts that include theft prevention, teen driver, air bags, early bird, homeowners, and 55 and older.
  • Progressive discounts include continuous coverage, good student, online signing, homeowner, and multi-policy.

If you want low cost insurance quotes, ask every prospective company how you can save money. Some discounts might not be offered on policies in your area.

Big brands don’t always mean big savings

Drivers can’t get away from ads that promise big savings by companies like Progressive, GEICO, Allstate and State Farm. All the companies seem to make the promise about how much you will save if you change your policy.

But how can every company have lower policy pricing? It’s all in how they say it.

All companies have specific criteria for the driver that earns them the highest profit. A good example of a profitable risk profile may need to be a mature driver, has a clear driving record, and has excellent credit. A customer getting a price quote who fits those characteristics will probably get the lowest rates and will save when they switch companies.

Potential insureds who don’t qualify for those standards will get higher rates which usually ends up with the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers that switch” not “all people who quote” save that much money. That’s the way companies can make claims like that.

That is why you really should compare rate quotes every year. It’s just not possible to know the company that will fit your personal profile best.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover if your situation might need professional guidance.

  • Is my nanny covered when driving my vehicle?
  • Is my camper covered by my car insurance policy?
  • When can my company non-renew my policy?
  • What if I total my 2000 Mercury Cougar and owe more than it’s worth?
  • I have a DUI can I still get coverage?
  • Does having multiple vehicles earn me a discount?
  • Do I need higher collision deductibles?
  • Do I need replacement cost coverage?
  • Do I need roadside assistance coverage?
  • Which companies will insure high-risk drivers?

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Auto insurance 101

Knowing the specifics of auto insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a broken windshield, hitting a bird and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Mercury Cougar.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Liability coverage

Liability insurance can cover damages or injuries you inflict on people or other property in an accident. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as structural damage, attorney fees, medical expenses and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like funeral costs, dental work, prosthetic devices, ambulance fees and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision coverage

Collision insurance covers damage to your Cougar caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a mailbox, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

More comparisons equals lower rates

Drivers switch companies for a number of reasons such as poor customer service, policy cancellation, delays in paying claims or delays in responding to claim requests. Regardless of your reason for switching companies, switching companies can be easier than you think.

As you restructure your insurance plan, you should never reduce needed coverages to save money. In too many instances, consumers will sacrifice collision coverage and discovered at claim time that they should have had better coverage. The goal is to get the best coverage possible at the best possible price, not the least amount of coverage.

In this article, we covered a lot of tips how to compare 2000 Mercury Cougar insurance rates online. The key thing to remember is the more you quote insurance, the higher your chance of finding inexpensive insurance. You may even find the lowest priced car insurance comes from a small local company.

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