1993 Mercury Cougar Insurance Quotes – 5 Ideas for Cheaper Rates

Searching for better insurance coverage rates? Consumers have options when looking for the best price on Mercury Cougar insurance. They can either spend hours struggling with agents to get rate comparisons or leverage the internet to get rate quotes. There is a better way to find insurance coverage online so you’re going to learn the best way to get price quotes for a Mercury and get the lowest price from local insurance agents and online providers.

If you are insured now or are shopping for new coverage, you can follow these tips to get lower rates and possibly find even better coverage. The purpose of this article is to instruct you on the most effective way to quote insurance and some money-saving tips. Drivers only need to know the most efficient way to compare prices online.

Compare insurance rates

Most larger insurance companies provide insurance quotes online. Getting prices online is quite simple because you just enter as requested by the quote form. Once you submit the form, the system automatically orders your credit score and driving record and returns a price based on these and other factors.

Online price estimates makes it simple to compare prices but the work required to visit each company’s website and repetitively fill out multiple forms is monotonous and tiresome. But it is imperative to do this if you want to find a better rate.

The smarter way to lower your rates utilizes a single form that gets prices from more than one company. The form is fast, eliminates repetitive work, and makes quoting online much more efficient. After sending the form, it is rated and you can choose any one of the price quotes you receive. If a lower price is quoted, it’s easy to complete the application and buy the policy. It takes less than 15 minutes and you will find out if you’re overpaying now.

To find out how much you’re overpaying now, click here to open in new window and enter your information. If you have your current policy handy, we recommend you complete the form with the coverages identical to your current policy. This ensures you will receive comparison quotes using the same coverage and limits.

Save $447 a year. For real?

Consumers can’t get away from ads that promise big savings for switching by companies like Progressive, Allstate and Geico. All the ads seem to make the promise that people will save if you change your coverage to them.

How is it possible that every company can make almost identical claims?

Different companies have an ideal profile for the driver that will not have excessive claims. One example of a driver they prefer may need to be over the age of 45, is a homeowner, and drives a car with an anti-theft system. Any person who matches that profile will get the preferred premium rates and as a result will probably save a lot of money.

People who fall outside the “perfect” profile will probably have to pay higher premium rates which translates to the customer buying from a different company. If you listen closely, the ads state “people who switch” but not “everyone who gets a quote” will save that much if they switch. This is how insurance companies can make it sound like they have such great premium rates. Different companies use different criteria so you need to do a price quote comparison at every renewal. It’s just not possible to know which insurance company will fit your personal profile best.

Don’t overlook these five auto insurance discounts

Not many people think insurance is cheap, but discounts can save money and there are some available that many people don’t even know exist. A few discounts will automatically apply at the time of quoting, but some discounts are required to be manually applied prior to getting the savings.

  • Payment Discounts – By making one initial payment rather than paying monthly you may have a lower total premium amount.
  • Good Student Discount – Excelling in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Accident Waiver – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm permit an accident before they charge you more for coverage if your claims history is clear for a certain period of time.
  • Discounts for New Vehicles – Insuring a vehicle that is new can be considerably cheaper due to better safety requirements for newer models.
  • Discount for Life Insurance – Some companies give a discounted rate on car insurance if you buy a life insurance policy as well.

Just know that most discounts do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A list of auto insurance companies and some of their more popular discounts are included below.

  • Progressive includes discounts for online signing, online quote discount, continuous coverage, good student, multi-vehicle, homeowner, and multi-policy.
  • Geico offers discounts for multi-policy, daytime running lights, defensive driver, anti-lock brakes, good student, five-year accident-free, and membership and employees.
  • State Farm may have discounts that include multiple policy, good driver, passive restraint, multiple autos, student away at school, and anti-theft.
  • Esurance has discounts for safety device, anti-lock brakes, homeowner, defensive driver, and multi-policy.
  • The Hartford offers discounts including good student, bundle, driver training, air bag, vehicle fuel type, and anti-theft.

If you are trying to find low cost car insurance quotes, ask each company which discounts they offer. Discounts might not be offered in your state. If you would like to view insurance companies who offer online auto insurance quotes, click here.

When to get professional advice

When choosing proper insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your situation would benefit from an agent’s advice.

  • Is a fancy paint job covered?
  • Why do I only qualify for high-risk insurance?
  • When should I not file a claim?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Are there companies who specialize in insuring high-risk drivers?
  • How many claims can I have before being cancelled?
  • Do I pay less for low miles?
  • Am I covered if my car is in a flood?
  • Am I covered when delivering products for my home-based business?
  • Is motorclub coverage worth it?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Information about specific coverages

Having a good grasp of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, damage from a tornado or hurricane, a broken windshield, rock chips in glass and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance

This protects you from damage or injury you incur to other people or property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like repair costs for stationary objects, structural damage, attorney fees, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, hitting a mailbox, crashing into a ditch, hitting a parking meter and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses such as hospital visits, chiropractic care, ambulance fees and prosthetic devices. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Best coverage at the best price

When shopping online for insurance coverage, do not skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped physical damage coverage only to regret at claim time that it was a big mistake. The goal is to find the BEST coverage for the lowest cost, but do not sacrifice coverage to save money.

We covered some good ideas how you can lower your 1993 Mercury Cougar insurance prices. The key concept to understand is the more you quote car insurance, the higher your chance of finding the cheapest car insurance. Drivers may discover the lowest prices are with some of the lesser-known companies.

People who switch companies do it for any number of reasons including lack of trust in their agent, questionable increases in premium, extreme rates for teen drivers or delays in paying claims. It doesn’t matter what your reason, choosing a new insurance company can be less work than you think.

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