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Mercury Cougar Insurance Quotes

Buying car insurance on the web can be fast and easy and there is a good chance you may find lower rates. The most important part is to take the time to get rates from all companies in order to have every company's rates.

If you're new to shopping for car insurance online, you can be overwhelmed by the hoards of companies selling insurance. The are a couple different ways to compare rate quotes from car insurance companies in your area. The simplest method to compare Cougar insurance cost is to get quotes online. This can be accomplished by comparing rates here.

Insurance premiums on a Mercury Cougar can vary widely depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Credit rating
  • Where you live
  • The number of annual miles
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Safety rating of your Cougar
  • Your job
  • The amount of protection requested
  • Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models cost less compared to new Mercury models so the cost to replace them may result in lower rates. But new Mercury models have more advanced features including lane departure warning system, a telematics system, and a collision avoidance system which can lower rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle below.

Liability car insurance

This coverage provides protection from damage that occurs to people or other property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy higher limits if possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your Cougar can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive car insurance

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.

How Much are Mercury Cougar Insurance Rates?