Lower Your 2001 Mercury Cougar Insurance Quotes

Searching for lower auto insurance rates for your Mercury Cougar? Locating low-cost insurance for a Mercury Cougar can normally be difficult, but you can use the following methods and make it easy. There is a better way to buy auto insurance so you’re going to learn the best way to compare rates on a Mercury and obtain the lowest possible price from local insurance agents and online providers.

If you are insured now or are shopping for new coverage, you can use these techniques to cut your premiums and possibly find even better coverage. Shopping for affordable coverage is not that difficult. Vehicle owners only need an understanding of the most efficient way to compare prices on the web.

Don’t overlook these discounts

Companies that sell car insurance don’t always publicize all their discounts in an easy-to-find place, so we researched both well-publicized and also the lesser-known ways to save on insurance. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Accident Waiver – A handful of insurance companies permit an accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Air Bag Discount – Vehicles with factory air bags can qualify for discounts of up to 25% or more.
  • Early Switch Discount – Some companies give discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Organization Discounts – Belonging to certain professional organizations could trigger savings when shopping for insurance for Cougar coverage.
  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Paperless Signup – A handful of insurance companies may give you up to $50 for buying a policy and signing up online.

Keep in mind that most credits do not apply the the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

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

Before buying, ask every prospective company what discounts are available to you. All car insurance discounts might not apply everywhere.

Compare the Market for Auto Insurance

Finding lower auto insurance rates can be quick and easy. All you need to do is take a few minutes comparing rates from different insurance companies. This is very easy and can be done using a couple different methods.

  1. The recommended way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do separate quotes for each company. Completing one form compares rates from many national carriers. It’s definitely the quickest method.
  2. Another way to shop for auto insurance online consists of visiting each company’s website to request a price quote. For example, we’ll pretend you want rates from Farmers, State Farm and American Family. To get each rate you have to spend time on each company’s site to input your insurance information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using identical coverages for every quote you compare. If you use differing limits it will be impossible to truly determine the lowest rate.

Is my situation unique?

When buying adequate coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I pay less for low miles?
  • Is there coverage for injuries to my pets?
  • When would I need additional glass coverage?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered when driving in Canada or Mexico?
  • When can I cancel my policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Information about specific coverages

Having a good grasp of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hail damage, damage from flooding, vandalism, fire damage and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

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

Collision can pay for claims like rolling your car, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2001 Mercury Cougar.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability auto insurance

This provides protection from injuries or damage you cause to a person or their property that is your fault. It protects YOU against other people’s claims, and doesn’t 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 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as pain and suffering, medical services, bail bonds and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses for things like hospital visits, nursing services, EMT expenses, X-ray expenses and pain medications. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

A penny earned…

Cost effective 2001 Mercury Cougar insurance is available online as well as from independent agents, and you should compare price quotes from both to have the best selection. Some insurance companies don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

People leave their current company for many reasons like high prices, delays in paying claims, an unsatisfactory settlement offer and questionable increases in premium. Regardless of your reason for switching companies, finding a great new company is pretty easy and you might even save some money in the process.

When shopping online for car insurance, you should never buy less coverage just to save a little money. In too many instances, someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your focus should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

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