Mercury Cougar Insurance

Finding cheaper auto insurance from online companies saves time, is easy to do, plus you might just save a little. The key to finding lower rates is to take the time to get as many rate quotes as possible so you can compare every company's rates.

Finding the best direct price on auto insurance can be difficult if you are a beginner to online quotes. But don't let that discourage you because comparing prices is actually very simple. Getting lower Cougar insurance cost is actually quite simple. The only thing you need to do is invest a little time to get quotes online from several insurance companies. It is quite easy and can be accomplished by visiting this page.

Premiums are calculated by these things

Auto insurance rates for a Mercury Cougar can vary widely and are calculated by many factors. Including but not limited to:

Tickets increase premiums
Credit rating
The size of your community
How many miles you drive
Male drivers pay higher rates
Higher deductibles save money
Crash test rating for your Cougar
Claims drive up premiums
No coverage lapses saves money
Home ownership saves money

A final factor which can affect Cougar insurance quotes is the model year. A newer vehicle have a higher actual cash value in comparison to later models so the costs to repair can inflate annual premiums. Conversely, new Mercury models may have a trim level with safety features such as autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system which can provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability coverage

This provides protection from damage or injury you incur to other people or property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying higher limits if possible.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Cougar collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your Mercury Cougar comprehensive insurance. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. 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 should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.

How Much are Mercury Cougar Insurance Rates?