Cheap 1991 Mercury Cougar Car Insurance Rates

Nobody gets a kick out of paying for auto insurance, especially knowing it costs too dang much. People have so many car insurance companies to choose from, and although it’s nice to have multiple companies, more choices can make it harder to compare rates and find the lowest cost auto insurance.

This information will instruct you on the best way to quote coverages and some tricks to saving. If you have car insurance now, you will be able to save some money using these techniques. Drivers only need to know the proper way to compare prices over the internet.

Buy insurance online

There are a lot of ways to compare insurance prices but there is one way that is less time-consuming than others. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Many companies take part in a program that enables customers to enter their policy data once, and at least one company returns a rated price based on that data. This system prevents you from having to do quotation requests to each company. To enter your information into the quoting system, click here to open in new window.

One minor caviat to pricing coverage this way is that you can’t choose which insurance companies to receive prices from. If you prefer to choose specific providers to compare prices, we have a page of insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but make sure you compare nearly identical coverages for each price quote. If the quotes have different deductibles you can’t possibly make a fair rate comparison.

Take advantage of every auto insurance discount

Companies don’t list all available discounts very well, so the list below contains a few of the more well known and also the more inconspicuous credits available to bring down your rates. If they aren’t giving you every credit available, you are just wasting money.

  • Save over 55 – If you’re over the age of 55, you can possibly qualify for reduced rates on Cougar insurance.
  • One Accident Forgiven – but some insurance companies will forgive one accident without the usual rate increase so long as you haven’t had any claims prior to being involved in the accident.
  • Telematics Discount – People who choose to allow driving data submission to monitor driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as the data is positive.
  • Claim-Free Discount – Claim-free drivers pay much less when compared to frequent claim filers.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings up to 30%.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and qualify for as much as a 10% discount.
  • Online Discount – Some of the larger companies will give you a small discount for signing up digitally online.

Don’t be surprised that most credits do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears adding up those discounts means a free policy, nobody gets a free ride. But any discount will cut the amount you pay for coverage.

Companies who might offer these benefits include:

Check with every company which credits you are entitled to. A few discounts might not be offered on policies in your area. To find auto insurance companies that can offer you the previously mentioned discounts, click here.

Five tips to get more affordable insurance costs

A large part of saving on auto insurance is knowing some of the elements that help calculate auto insurance rates. When consumers understand what impacts premium levels, this enables you to make decisions that can help you get lower rates. Many different elements are considered when premium rates are determined. Most are fairly basic like an MVR report, but others are more transparent such as your marital status or how financially stable you are.

The items below are some of the most rate-impacting factors used by insurance companies to determine rates.

  • Lower rates for married couples – Having a wife or husband may earn you lower rates on your policy. Marriage means you’re more mature and statistics show being married results in fewer claims.
  • Drive less and pay lower prices – The higher the miles on your Mercury annually the more you’ll pay to insure it. A lot of insurance companies charge rates determined by how the vehicle is used. Vehicles not used for work or commuting cost less to insure compared to those used for work or business. Ask your agent if your auto insurance coverage is showing the right rating data, because it can save money. Having an incorrect usage rating on your Cougar is throwing money out the window.
  • Get a ticket, pay higher costs – Drivers with clean records receive lower rates as compared to careless drivers. Getting just one ticket can increase rates by as much as thirty percent. Drivers who have dangerous tickets such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to file a SR-22 with their state’s licensing department in order to continue driving.
  • Consolidate home and auto and save – Lots of companies allow better rates to customers that have more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount it’s in your best interest to check prices from other companies to confirm you are receiving the best rates possible.There is a good possibility that you can find lower rates by buying from different companies
  • With age comes lower costs – Drivers with little experience are proven to be inattentive and easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates. If you’ve ever had to add a youthful driver to your policy can cause a big jump in price. Older drivers are shown to be more cautious, cost insurance companies less in claims and tend to be get fewer driving tickets.

How to know if you need help

When it comes to buying proper insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help you determine whether or not you might need professional guidance.

  • Do I have newly-aquired coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I benefit by insuring my home with the same company?
  • Will my insurance pay for OEM parts?
  • How high should deductibles be on a 1991 Mercury Cougar?
  • If my 1991 Mercury Cougar is totaled, can I afford another vehicle?
  • Am I covered if hit by an uninsured driver?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Car insurance policy coverages for a 1991 Mercury Cougar

Learning about specific coverages of car insurance can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average car insurance policy.

Comprehensive coverages – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, hitting a bird, hail damage, a tree branch falling on your vehicle and damage from flooding. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Liability coverage – This coverage provides protection from damage that occurs to people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like bail bonds, funeral expenses, loss of income and legal defense fees. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Coverage for medical payments – Med pay and PIP coverage reimburse you for short-term medical expenses for things like doctor visits, rehabilitation expenses, ambulance fees, pain medications and funeral costs. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

More quotes. Lower rates.

We covered many ways to shop for 1991 Mercury Cougar insurance online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting low cost insurance. Consumers could even find that the most savings is with the least-expected company. They can often provide lower premium rates in certain areas as compared to the big name companies such as Progressive and Geico.

There are still a few companies who may not provide the ability to get a quote online and many times these regional insurance providers work with local independent agents. Affordable 1991 Mercury Cougar insurance can be sourced online in addition to local insurance agencies, so compare prices from both to have the best selection.

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