Cheaper 1996 Mercury Cougar Car Insurance Quotes

Want cheaper insurance coverage rates for your Mercury Cougar? Nobody enjoys paying for insurance coverage, in particular when their premiums are too high. Many insurers compete for your business, so it’s not easy to compare every insurance company to get the best price available.

It’s a good idea to check insurance coverage prices at least once a year due to the fact that insurance rates tend to go up over time. Even if you think you had the best rates for Cougar insurance six months ago other companies may now be cheaper. Starting right now, ignore everything you know about insurance coverage because you’re about to learn the only way to find lower rates on insurance coverage.

If you are insured now or are just looking to switch companies, you can follow these tips to find better prices and possibly find even better coverage. Buying car insurance is not that difficult. Consumers only need to know the tricks to shop their coverage around online.

These discounts can slash car insurance rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically at the time you complete a quote, but some may not be applied and must be asked about prior to getting the savings. If you aren’t receiving every discount possible, you are throwing money away.

  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Sign Online – Some insurance companies will give a small break for buying a policy and signing up digitally online.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you may save at least 10% off all policies.
  • Life Insurance Discount – Some companies give a discount if you purchase auto and life insurance together.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. The majority will only reduce specific coverage prices like comp or med pay. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will help reduce the amount you have to pay.

For a list of insurance companies with the best car insurance discounts, click here.

How to Compare Auto Insurance Rates

All major auto insurance companies such as Progressive, Geico, Allstate and State Farm allow you to get insurance quotes online. Getting quotes is pretty easy as you simply type in your coverage information as requested by the quote form. After you complete the form, the company’s rating system automatically orders your driving and credit reports and provides a quote based on these and other factors. Online quotes simplifies rate comparisons, but the time it takes to visit multiple sites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to perform this step in order to get lower prices.

There is a better way!

An easier way to lower your rates requires only one form to return rates from multiple companies. It saves time, eliminates repetitive work, and makes quoting online much simpler. As soon as you send your information, your coverage is rated and you can select any of the resulting price quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. This process takes less than 15 minutes and you’ll know if lower rates are available.

To quickly fill out one form to compare multiple rates now, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you replicate your coverages exactly as shown on your declarations page. This makes sure you will get a rate comparison for similar insurance coverage.

Mercury Cougar insurance rates have many determining factors

Smart consumers have a good feel for the rating factors that come into play when calculating your auto insurance rates. Understanding what influences your rates allows you to make educated decisions that will entitle you to lower auto insurance prices.

  • Being married is a good thing – Getting married can get you a discount when buying auto insurance. Having a significant other is viewed as being more responsible and it’s proven that being married results in fewer claims.
  • Safer cars cost less to insure – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If your Mercury Cougar has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • High deductibles save money – Your deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims are running into the backend of another car, vandalism, and windstorm damage. The more you have to pay, the bigger discount you will receive for Cougar insurance.
  • High credit ratings translate to low rates – A driver’s credit history is a important factor in calculating your auto insurance rates. Therefore, if your credit rating is not that good, you could potentially save money when insuring your 1996 Mercury Cougar by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with lower credit scores.

When might I need the advice of an agent?

When it comes to buying the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • At what point should I drop full coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered when driving in Canada or Mexico?
  • Do I need motorclub coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • When can I cancel my policy?
  • Should I sign the liability waiver when renting a car?
  • Can my babysitter drive my car?
  • Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Save $381 a year? Really?

Consumers can’t ignore all the ads that promise big savings by Progressive, Geico, Allstate and State Farm. All the ads have a common claim that you’ll save big if you move to their company.

How does each company claim to save you money? This is how they do it.

All companies can use profiling for the right customer that is profitable for them. An example of a driver they prefer might be over the age of 50, insures multiple vehicles, and has a high credit rating. A customer who matches those parameters will qualify for the lowest rates and most likely will save quite a bit of money when switching.

Drivers who don’t qualify for the “perfect” profile will be quoted a higher premium which leads to business going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save money. That’s the way insurance companies can make the claims of big savings.

This emphasizes why you should get quotes from several different companies. It’s impossible to know which company will fit your personal profile best.

Learn about car insurance coverages for a 1996 Mercury Cougar

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on most car insurance policies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for EMT expenses, hospital visits, pain medications, doctor visits and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

This will pay to fix damage to your Cougar resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like driving through your garage door, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverages

This provides protection from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for 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. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical expenses, emergency aid, pain and suffering and structural damage. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, fire damage, hail damage and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

At the end of the day…

Discount 1996 Mercury Cougar insurance can be sourced both online as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance coverage companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, drivers have reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. Your aim should be to buy a smart amount of coverage for the lowest price.

Much more information about insurance coverage can be found on the following sites: