View 1999 Mercury Cougar Car Insurance Quotes

Want the cheapest car insurance rates for your Mercury Cougar? Saving money on car insurance is hard for consumers not familiar with buying insurance online. There are so many options available that it can turn into a ton of work to compare prices.

Consumers need to do rate comparisons at least once a year because insurance rates are rarely the same from one policy term to another. Just because you had the best rates on Cougar insurance six months ago other companies may now be cheaper. There is a lot of bad information regarding car insurance online, so we’re going to give you some guaranteed methods to stop overpaying for insurance.

Lower rates by qualifying for discounts

Companies that sell car insurance do not advertise all available discounts very well, so the following is a list of both the well known and also the lesser-known ways to save on car insurance.

  • College Student – Kids in college who are attending college without a vehicle on campus may qualify for this discount.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you will save approximately 10% to 15%.
  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Cougar insurance than drivers with accident claims.

Keep in mind that most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way.

A partial list of companies that may have these discounts are:

Check with each insurance company which discounts you may be entitled to. Savings might not be offered in your state.

Mercury Cougar rates are complex

An important part of buying insurance is that you know the factors that help determine the price you pay for insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to better insurance rates.

The following are some of the factors companies use to determine prices.

  • Traffic violations increase rates – Careful drivers receive lower rates than people who have multiple driving citations. Just one ticket can boost insurance rates twenty percent or more. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings are cheaper to insure. Safer cars result in less severe injuries and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If your Mercury Cougar is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Low deductibles can be expensive – Physical damage deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. Some instances where coverage would apply are colliding with a building, vandalism, and windstorm damage. The higher the amount you are required to pay out-of-pocket, the lower your rates will be on Cougar insurance.
  • Add-on coverages can add up – There are quite a few add-on coverages that you can buy when buying insurance. Coverages like roadside assistance, towing coverage and membership fees may be costing you every month. They may seem like a good idea initially, but your needs may have changed so get rid of them and save.
  • Sex matters – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. They both are in accidents in similar numbers, but men tend to have more serious accidents. Men also receive more costly citations such as DWI and reckless driving.
  • High credit ratings translate to low rates – Having a bad credit history is a big factor in your rate calculation. If your credit is not that good, you could potentially save money when insuring your 1999 Mercury Cougar by spending a little time repairing your credit. People with good credit tend to be more responsible as compared to drivers with lower credit scores.
  • Being married can save on insurance – Getting married actually saves money on insurance. Having a spouse translates into being more mature than a single person and it’s proven that married drivers get in fewer accidents.

Car insurance is unique, just like you

When buying the right insurance coverage, there is no perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether you would benefit from an agent’s advice.

  • Am I covered if I drive in a foreign country?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my insurance cover a custom paint job?
  • Why am I required to buy liability insurance?
  • Do I benefit by insuring my home with the same company?
  • Is my trailer covered?
  • Will my rates increase for filing one claim?
  • When would I need rental car insurance?
  • Is a blown tire covered by insurance?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form.

Do insurance coverage companies bend the truth?

Insurance coverage companies such as State Farm and Allstate constantly bombard you with ads on TV and radio. They all seem to have a common claim of big savings if you switch your coverage to them. How can each company say the same thing?

Different companies have a preferred profile for the driver that is profitable for them. For instance, a desirable insured might be over the age of 40, is a homeowner, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Potential insureds who do not match the requirements will be quoted more money and this can result in the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone that quotes” save money. That’s why companies can truthfully make those claims. This emphasizes why drivers should quote coverage with many companies. It’s impossible to know which company will fit your personal profile best.

Auto insurance coverages

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision coverage

This coverage pays for damage to your Cougar resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, driving through your garage door and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Mercury Cougar.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like prosthetic devices, EMT expenses, funeral costs and dental work. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability coverages

This provides protection from damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others. 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. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like legal defense fees, court costs and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive car insurance

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from flooding, falling objects, damage from getting keyed and theft. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Have money to burn

People switch companies for many reasons like poor customer service, not issuing a premium refund, denial of a claim and even delays in paying claims. It doesn’t matter why you want to switch finding the right insurance provider is not as difficult as it may seem.

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your focus should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Affordable 1999 Mercury Cougar insurance is available online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

More tips and info about insurance is available at these sites: