1994 Mercury Cougar Insurance Rates – 6 Tips to Save

Trying to find cheaper insurance rates for your Mercury Cougar? Nobody I know anticipates paying for insurance, especially when they are aware that their premiums are through the roof. Insurance companies such as Geico, Farmers Insurance and State Farm increase brand awareness with ads and it can be hard to see past the geckos and flying pigs and take the time to shop coverage around.

It’s a great practice to compare premium rates at least once a year because insurance prices are rarely the same from one policy term to another. Even if you got the best deal on Cougar insurance two years ago there may be better deals available now. Don’t believe everything you read about insurance online, but we’re going to give you the easiest ways to quit paying high insurance rates.

If you are insured now or need new coverage, you can use these techniques to reduce the price you pay while maximizing coverage. Finding affordable coverage is not rocket science. Drivers just need to know the best way to compare price quotes on the web.

How to get free auto insurance quotes online

All major auto insurance companies give insurance quotes on the web. Obtaining pricing is pretty painless because you just enter your personal and coverage information into the quote form. Upon sending the form, their quoting system automatically orders credit information and your driving record and returns a price quote based on many factors. Online price estimates streamlines rate comparisons, but the time required to go to a lot of sites and type in the same data is monotonous and tiresome. But it’s very important to do this in order to get the lowest auto insurance rates.

The easy way to compare rates

A less time-consuming method to compare auto insurance pricing uses one simple form that gets price quotes from a bunch of companies at once. The form is fast, requires less work, and makes quoting online much easier to do. As soon as you send your information, it is quoted and you can select your choice of the quotes returned. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The entire process takes 15 minutes at the most and you will find out if you’re overpaying now.

To quickly find out how much you can save on auto insurance, click here and complete the simple form. To compare your current rates, we recommend you type in the limits and deductibles exactly as they are listed on your policy. Doing this assures you will be getting rate quotes for similar insurance coverage.

Don’t assume everyone needs the same auto insurance coverage

When it comes to buying the right insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions may help highlight if your situation might need professional guidance.

How do I file an SR-22 for a DUI in my state?
Do I need PIP (personal injury protection) coverage in my state?
Does coverage extend to a rental car in a foreign country?
Does my insurance cover my expensive audio equipment?
Is a fancy paint job covered?
Can I afford to buy a different vehicle if my 1994 Mercury Cougar is totaled?
Do I get a pro-rated refund if I cancel my policy early?
When would I need rental car insurance?
What is roadside assistance coverage?
Do I need replacement cost coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and can provide invaluable advice.

Coverage specifics

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on most auto insurance policies.

Coverage for collisions

Collision coverage pays for damage to your Cougar caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like backing into a parked car, rolling your car, driving through your garage door, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses for things like doctor visits, prosthetic devices, surgery, chiropractic care and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability car insurance

Liability insurance can cover damage that occurs to other people or property by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly 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 limit of $25,000 paid for damaged property.

Liability insurance covers claims such as emergency aid, medical expenses and attorney fees. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercury Cougar.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as fire damage, damage from getting keyed, damage from flooding and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.