1999 Mercury Cougar Insurance Cost

Searching for lower car insurance rates for your Mercury Cougar? If you’re searching for cheaper insurance online, do you get confused by the number of car insurance sources that you can choose from? There are so many options that it can really be a real difficult job to lower your premium rates.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have car insurance, you will be able to lower your premiums substantially using these methods. But drivers need to have an understanding of how big insurance companies compete online and take advantage of how the system works.

Take policy discounts and save

Insuring your fleet can be pricey, but you may qualify for discounts that you may not even be aware of. A few discounts will be applied when you quote, but some must be asked about in order for you to get them. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Claim Free – Insureds who avoid accidents and claims get the best insurance rates compared to drivers who are more careless.
  • Life Insurance Discount – Select insurance carriers reward you with a discounted rate on car insurance if you buy a life policy as well.
  • Theft Prevention System – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
  • Driver’s Education for Students – It’s a good idea to have your young drivers sucessfully take a drivers education course if offered at their school.
  • Own a Home and Save – Just being a homeowner may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Driver Safety – Taking time to complete a class that teaches defensive driver techniques can save you 5% or more and also improve your driving technique.

Don’t be shocked that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts should help reduce your overall premium however.

The best insurance companies and a summarized list of policyholder discounts are outlined below.

  • State Farm policyholders can earn discounts including safe vehicle, Steer Clear safe driver discount, student away at school, passive restraint, defensive driving training, multiple policy, and anti-theft.
  • American Family offers discounts for good driver, TimeAway discount, good student, multi-vehicle, and defensive driver.
  • Geico has discounts for driver training, anti-theft, air bags, emergency military deployment, seat belt use, and military active duty.
  • 21st Century may have discounts that include driver training, automatic seat belts, 55 and older, student driver, and good student.
  • Progressive offers premium reductions for continuous coverage, online signing, online quote discount, multi-vehicle, good student, homeowner, and multi-policy.

Before purchasing a policy, check with all companies you are considering how you can save money. All car insurance discounts may not apply to policies in every state. If you would like to view insurance companies that offer many of these discounts, click here to view.

Which policy gives me the best coverage?

When it comes to choosing coverage, there really is no best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions might help in determining if you might need professional guidance.

  • How can I get my company to pay me more for my totalled car?
  • Is my dog or cat covered if injured in an accident?
  • What is the rate difference between pleasure use and commuting?
  • What are the best liability limits?
  • What is high-risk coverage and where do I buy it?
  • When should I remove comp and collision on my 1999 Mercury Cougar?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need motorclub coverage?
  • Do I need more liability coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Well known brands might not be cheapest

Popular insurance providers such as State Farm, Geico and Progressive constantly bombard you with television, radio, and online ads. They all seem to seem to make the promise about how much you will save just by switching your coverage. How does every company charge lower premium rates?

Many companies have specific criteria for the type of insured that earns them the highest profit. For example, a desirable insured could possibly be between 30 and 50, has a low-risk occupation, and has excellent credit. A customer getting a price quote that meets those criteria gets the lowest rates as well as save some money.

Insureds who cannot meet the requirements will have to pay higher prices which translates to the customer buying from a different company. If you pay close attention to the ads, they say “people who switch” not “all people who quote” can get the lowest rates when switching. This is how insurance companies can advertise the savings. This really illustrates why you absolutely need to do a price quote comparison at every renewal. Because without a comparison, you cannot know which company will fit your personal profile best.

Auto insurance 101

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability car insurance

This coverage will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like medical services, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your 1999 Mercury Cougar.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Collision coverage

Collision insurance pays for damage to your Cougar from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a mailbox, rolling your car, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive insurance

This pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, damage from flooding and rock chips in glass. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills for ambulance fees, rehabilitation expenses, pain medications, chiropractic care and EMT expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Save your cold hard cash

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. In many instances, an insured cut uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

Some insurance companies don’t offer online rate quotes and many times these regional carriers only sell coverage through independent agents. Budget-conscious 1999 Mercury Cougar insurance is definitely available on the web in addition to many insurance agents, so you need to compare both to have the best selection.

Insureds leave their current company for any number of reasons including policy non-renewal, not issuing a premium refund, denial of a claim or even questionable increases in premium. Whatever your reason, switching companies is not as hard as you think.

Much more information about insurance coverage is located at these links: