Compare 1994 Mercury Cougar Insurance Quotes

Want the cheapest car insurance rates for your Mercury Cougar? Trying to find the cheapest insurance for a Mercury Cougar can turn out to be a painful process, but you can use a few tricks to save time.

There is a better way to compare car insurance rates and you need to know the proper way to price shop coverage for a new or used Mercury and obtain the cheapest rates from local insurance agents and online providers.

It’s smart to shop coverage around before your policy renews due to the fact that insurance rates are variable and change quite frequently. Just because you found the lowest price on Cougar coverage two years ago you may be paying too much now. There is too much inaccurate information about car insurance on the internet, so we’re going to give you a lot of great tips on how to put money back in your pocket.

If you are insured now or are shopping for new coverage, you can use this information to find the best rates while maximizing coverage. Finding the best coverage is easy if you know what you’re doing. Vehicle owners only need an understanding of the most effective way to find the lowest price online.

Low Cost Car Insurance

Finding a lower price on 1994 Mercury Cougar insurance is surprisingly easy. The only thing you need to do is take the time comparing price quotes online with multiple companies. This can be accomplished using a couple different methods.

The easiest and least time consuming way consumers can analyze rates is a comparison rater form click here to open form in new window. This type of form saves time by eliminating multiple quote forms for each company you want a rate for. In just a few minutes this one form compares rates from multiple low-cost companies.It’s the quickest way to get rates.

A more difficult way to find lower rates consists of going to each company’s website to request a price quote. For examples sake, we’ll assume you want to compare rates from State Farm, Progressive and Geico. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

The most time-consuming way of getting rate comparisons is driving around to and from local insurance agencies. The internet makes this process obsolete unless you want the trained guidance only provided by licensed agents. However, consumers can price shop your coverage online and still use a local agent. We’ll cover that shortly.

However you get your quotes, double check that you are using identical coverages on every quote. If you enter mixed coverages it will be very difficult to find the best deal for your Mercury Cougar.

Take advantage of discounts

Insurance can be prohibitively expensive, but there are discounts available that many people don’t even know exist. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be asked for before you get the savings. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on Cougar coverage with certain companies.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Accident Waiver – Some insurance companies permit an accident before raising your premiums if you are claim-free for a certain period of time.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Senior Citizens – If you qualify as a senior citizen, you may receive a small decrease in premiums on Cougar coverage.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt could cut 10% or more off your PIP or medical payments premium.

Keep in mind that most discounts do not apply to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will help reduce the cost of coverage.

Car insurance companies who might offer some of the above discounts may include but are not limited to:

Check with every prospective company what discounts are available to you. Savings may not be available everywhere.

How to know if you need help

When it comes to buying coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions may help you determine whether you might need an agent’s assistance.

  • Do I need PIP (personal injury protection) coverage in my state?
  • When would I need additional glass coverage?
  • Is my state a no-fault state?
  • Can I still get insurance after a DUI?
  • Is motorclub coverage worth it?
  • What if I owe more than I can insure my car for?
  • How much underlying liability do I need for an umbrella policy?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage options for a Mercury Cougar

Learning about specific coverages of a car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for bills for things like funeral costs, surgery, doctor visits 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. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability insurance – This coverage provides protection from damage that occurs to a person or their property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like repair bills for other people’s vehicles, legal defense fees, court costs and bail bonds. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Collision – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, crashing into a ditch, damaging your car on a curb, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, a broken windshield and fire damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Mercury Cougar.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.