Shoppers have lots of choices when shopping for the best price on Mercury Cougar insurance. You can either spend your time driving around getting price quotes or save time using the internet to get rate quotes. There are both good and bad ways to find car insurance online and we’ll show you the absolute fastest way to compare rates for a Mercury and locate the lowest possible price either online or from local insurance agents.
Finding the best rates is easy if you know what you’re doing. If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. Drivers just need to know the proper way to compare company rates over the internet.
Finding lower car insurance rates is actually quite simple. The only requirement is to take time comparing rate quotes online with multiple companies. This can be done in just a few minutes using one of these methods.
The best way to get quotes is a comparison rater form click here to open form in new window. This easy form saves time by eliminating boring form submissions to each individual car insurance company. One form submission gets rate comparisons from several companies. This is by far the quickest method.
A slightly less efficient method to find lower rates is to take the time to go to the website of each company to complete their respective quote request forms. For instance, we’ll pretend you want to compare Allstate, Farmers and GMAC. To get rate quotes you would need to visit each site and enter your information, which is why the first method is more popular.
To view a list of companies in your area, click here.
However you get your quotes, make sure you use the exact same coverage limits for every company. If you are comparing different deductibles it will be next to impossible to make an equal comparison.
When choosing adequate coverage, there really is no one size fits all plan. Everyone’s situation is a little different.
Here are some questions about coverages that may help highlight whether you may require specific advice.
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.
Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.
Coverage for medical expenses – Med pay and PIP coverage pay for short-term medical expenses for prosthetic devices, funeral costs, surgery, dental work and ambulance fees. They are utilized in addition to 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 and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability – This will cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability can pay for things such as repair bills for other people’s vehicles, medical services, attorney fees and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.
Comprehensive insurance – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like damage from a tornado or hurricane, hitting a deer, rock chips in glass and vandalism. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Collision coverages – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like colliding with a tree, hitting a parking meter, hitting a mailbox, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.