1999 Mercury Cougar Insurance Rates – 8 Tips for Best Quotes

Looking for cheaper car insurance rates for your Mercury Cougar? Finding cheaper insurance for a new or used Mercury Cougar could be an all-consuming task, but you can learn our car insurance buying tips to find lower rates.

There are both good and bad ways to compare car insurance rates and we’ll show you the proper way to quote coverages for your Mercury and locate the lowest price either online or from local insurance agents.

It’s a good habit to do rate comparisons every six months since insurance rates fluctuate regularly. If you had the lowest rates on Cougar coverage last year there is a good chance you can find better rates now. There is too much inaccurate information about car insurance on the internet, so I’m going to show you a lot of great tips on how to reduce your car insurance bill.

Finding affordable auto insurance coverage is simple if you know the tricks. If you have a policy now or are just looking to switch companies, you can use these tips to shop for the lowest rates and still get good coverage. Drivers just need to understand the proper way to shop for auto insurance online.

Compare Car Insurance Costs

Cutting your car insurance rates is a fairly straight forward process. The only requirement is to take a few minutes comparing rate quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The single most time-saving way to get quotes would be an industry-wide quote request form click to view form in new window. This method prevents you from having to do repetitive form entry for every car insurance company. A single form gets you price quotes from multiple low-cost companies. This is by far the quickest method.

A harder way to compare prices requires you to visit the website for every company you want to comare and request a quote. For instance, we’ll pretend you want comparison quotes from Geico, 21st Century and American Family. To find out each rate you need to visit each site and enter your information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you use apples-to-apples coverage information for every company. If you enter higher or lower deductibles it will be next to impossible to find the best deal for your Mercury Cougar.

Save money by taking advantage of these eight discounts

The cost of insuring your cars can be expensive, but you may find discounts that can drop the cost substantially. Some trigger automatically when you get a quote, but lesser-known reductions have to be manually applied before you get the savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Senior Citizens – Older drivers can possibly qualify for reduced rates on Cougar coverage.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance from them.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts of more than 20%.
  • E-sign – Some insurance companies will discount your bill up to fifty bucks for buying your policy online.
  • Multiple Vehicles – Having multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Resident Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way. But any discount will cut your overall premium however.

To see a list of companies who offer auto insurance discounts, follow this link.

When should I use an insurance agent?

When it comes to choosing the right insurance coverage, there really is no perfect coverage plan. Each situation is unique.

For instance, these questions might help in determining whether your personal situation might need professional guidance.

  • Where can I find high-risk insurance?
  • Is upholstery damage covered by car insurance?
  • Does my car insurance cover rental cars?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered if I hit my neighbor’s mailbox?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Specific coverage details

Understanding the coverages of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, hail damage, vandalism, damage from flooding and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 1999 Mercury Cougar.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like hospital visits, surgery, nursing services and dental work. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance

This coverage will cover damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as emergency aid, loss of income, legal defense fees, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Collision coverage

This covers damage to your Cougar resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, hitting a parking meter, crashing into a building and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Knowledge is power

Consumers change insurance companies for a variety of reasons including high rates after DUI convictions, poor customer service, high prices and questionable increases in premium. Regardless of your reason, switching companies is easier than you think.

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at the best price.

We just covered a lot of tips how to reduce 1999 Mercury Cougar insurance prices online. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from a small mutual company.

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