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Mercury Cougar Insurance Rates

Finding cheaper car insurance by comparing rates online can be fast and easy and there is a good chance you may find lower rates. The most important part is to get rates from as many companies as possible in order to accurately compare the best prices.

If you are a novice to online car insurance shopping, you can be overwhelmed by the hoards of online car insurance companies and websites selling insurance. The are a couple different ways of comparing rates and find the best price. One of the best ways to find the cheapest Cougar insurance cost is to perform an online rate comparison. This can be accomplished by getting a quick quote here.

Insurance premiums for your Mercury Cougar can fluctuate considerably depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Credit rating impacts rates
  • Male rates may be higher
  • The deductible you choose
  • Safety rating of your Cougar
  • Your job
  • Insurance coverage level
  • Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old cost less compared to new Mercury models so the payout to repair may result in lower rates. Although newer vehicles have more advanced features included like forward-collision avoidance, adaptive cruise control, and active head restraints which may help offset higher rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle below.

Auto liability insurance - This coverage can cover damage that occurs to other's property or people that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision coverages - This covers damage to your Mercury resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper Cougar insurance rates.

Comprehensive insurance - Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The most you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Personal Injury Protection is not an option in every state and may carry a deductible.

How Much are Mercury Cougar Insurance Rates?