1994 Mercury Cougar Car Insurance Rates – 6 Tricks for Best Quotes

Buying the lowest cost car insurance on the web can be somewhat difficult for people who are new to comparison shopping online. When there are so many insurance companies available, how can you even start to compare every company to locate the best available rates?

The best way we recommend to compare car insurance rates is to know the trick most of the bigger providers pay for the opportunity to give rate comparisons. To get started, all you need to do is spend a couple of minutes providing details such as your education level, if a SR-22 is needed, types of safety features, and the year, make and model of vehicles. That rating information is sent automatically to multiple car insurance providers and you get price estimates within a short period of time.

These six discounts can lower your rates

Insuring your vehicles can cost a lot, but companies offer discounts to cut the cost considerably. Certain discounts will be applied when you complete an application, but a few must be specifically requested in order for you to get them.

  • Seat Belts Save – Requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Driver Safety – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • 55 and Retired – If you qualify as a senior citizen, you may receive a discount up to 10% on Cougar coverage.
  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Drive Less and Save – Low mileage vehicles can qualify you for a substantially lower rate.
  • Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Most cut specific coverage prices like collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will cut the cost of coverage.

Companies that may offer these benefits may include but are not limited to:

Double check with each insurance company what discounts are available to you. Savings might not be offered everywhere.

Different people need different coverages

When buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different.

For example, these questions might point out if your insurance needs would benefit from professional advice.

  • What are the best liability limits?
  • When should I drop full coverage on my 1994 Mercury Cougar?
  • What if I don’t agree with a claim settlement offer?
  • What is covered by UM/UIM coverage?
  • What is the rate difference between pleasure use and commuting?
  • When can my company non-renew my policy?
  • Should I get collision insurance on every vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • Where can I find DUI or SR-22 insurance?
  • Does my 1994 Mercury Cougar need full coverage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

Do drivers who switch really save?

Companies like Allstate, GEICO and Progressive constantly bombard you with ads on television and other media. All the ads say the same thing about savings if you switch to their company. How can each company claim to save you money?

Different companies can use profiling for the driver that earns them a profit. For example, a desirable insured might be profiled as between the ages of 40 and 55, is a homeowner, and has excellent credit. Any driver who fits that profile is entitled to the best price and as a result will probably save when they switch companies.

Drivers who don’t measure up to these standards will be charged a more expensive rate which leads to business going elsewhere. The ad wording is “drivers who switch” not “everybody who quotes” save that much money. That’s the way companies can truthfully advertise the savings.

That is why drivers should quote coverage with many companies. It is impossible to predict which car insurance company will provide you with the cheapest Mercury Cougar insurance rates.

Specifics of your insurance policy

Knowing the specifics of your policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Auto collision coverage

Collision coverage will pay to fix damage to your Cougar resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a ditch, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability

This protects you from injuries or damage you cause to other people or property. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as medical expenses, pain and suffering, medical services, loss of income and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses such as pain medications, hospital visits, doctor visits, ambulance fees and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM Coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Mercury Cougar.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, damage from flooding, a broken windshield, damage from getting keyed and fire damage. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Shop smart and save

Discount 1994 Mercury Cougar insurance can be found on the web in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not provide online price quotes and these regional insurance providers work with independent agents.

Consumers switch companies for many reasons like an unsatisfactory settlement offer, questionable increases in premium, high prices or even delays in responding to claim requests. It doesn’t matter why you want to switch switching companies is not as difficult as it may seem.

We just presented quite a bit of information on how to shop for insurance online. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even find the best price on car insurance is with the least-expected company.

For more information, take a look at the resources below: