View 1997 Mercury Cougar Insurance Cost

Searching for cheaper auto insurance rates for your Mercury Cougar? Nobody I know likes having to buy auto insurance, particularly when they are paying too much.

With consumers having so many insurance providers from which to choose, it’s nearly impossible to pick the cheapest company.

Compare Auto Insurance Today

Comparing auto insurance rates is a ton of work if you don’t know the most efficient way. You can spend countless hours talking about coverages with local insurance agents in your area, or you can stay home and use the web to maximize your effort.

Most major companies belong to an insurance system where insurance shoppers enter their policy data once, and every company returns a competitive quote based on that information. This system prevents you from having to do quote requests to each company.

To compare 1997 Mercury Cougar rates now click here to start a free quote.

The single downside to pricing coverage this way is that you can’t choose which insurance companies to get pricing from. So if you want to select specific providers to receive pricing from, we put together a list of the cheapest auto insurance companies in your area. Click here to view list.

However you get your quotes, be sure to compare the exact same quote information with every price quote. If you have different deductibles you will not be able to find the best deal for your Mercury Cougar. Just a small difference in limits can result in a big premium difference. It’s important to know that comparing a large number of companies will improve the odds of getting better pricing.

Is there truth in advertising?

Progressive, Geico, Allstate and State Farm regularly use ads in print and on television. All the companies make an identical promise about savings if you move to their company. How can each company say the same thing?

All the different companies have a certain “appetite” for the driver that makes them money. For instance, a profitable customer could be over the age of 40, is a homeowner, and drives less than 7,500 miles a year. Any new insured who matches those parameters gets the lowest rates and as a result will probably save when they switch companies.

Potential customers who fall outside the “perfect” profile will have to pay more money which usually ends up with business going elsewhere. The ads say “customers who switch” but not “drivers who get quotes” save that much. This is how companies can truthfully claim big savings. Because of the profiling, drivers should get as many quotes as possible. It’s just too difficult to predict which insurance companies will have the lowest Mercury Cougar insurance rates.

Policy discounts you shouldn’t miss

Companies don’t always advertise every discount very well, so we break down both the well known and also the lesser-known ways to save on insurance coverage.

  • College Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on Cougar insurance.
  • No Claims – Drivers with accident-free driving histories can save substantially when compared with bad drivers.
  • Sign Online – Certain companies will discount your bill up to fifty bucks simply for signing on their website.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.

For a list of companies with discount insurance coverage rates, click here to view.

Insurance agents can help

When it comes to buying the best insurance coverage coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique and your policy should reflect that. These are some specific questions may help you determine if you might need an agent’s assistance.

  • How much can I save by bundling my policies?
  • What if I total my 1997 Mercury Cougar and owe more than it’s worth?
  • Is my ex-spouse still covered by my policy?
  • Can I get a multi-policy discount?
  • Why does it cost so much to insure a teen driver?
  • Do I need motorclub coverage?
  • Why am I required to buy liability insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I still get insurance after a DUI?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

The coverage is in the details

Learning about specific coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. These are the usual coverages available from insurance companies.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mercury Cougar.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like driving through your garage door, hitting a parking meter, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, damage from getting keyed and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like doctor visits, prosthetic devices, rehabilitation expenses and surgery. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

Liability coverage protects you from damage that occurs to a person or their property. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like attorney fees, repair costs for stationary objects, bail bonds, medical expenses and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

In any little way, save everyday

You just learned many ideas to reduce 1997 Mercury Cougar insurance prices online. The key thing to remember is the more companies you get rates for, the better your comparison will be. Consumers could even find that the lowest rates come from the least-expected company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate or State Farm.

Affordable insurance can be sourced online as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

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