Save on 2000 Mercury Cougar Car Insurance Cost

Looking for the cheapest insurance rates for your Mercury Cougar? Saving money on Driversinsurance may be slightly frustrating for drivers who are beginners to online rate comparisons. With such a large number of agents and insurers available, it can turn into a difficult mission to find cheaper prices.

Smart consumers take time to take a look at other company’s rates yearly because insurance prices change frequently. Just because you had the best price on Cougar coverage a couple years back you can probably find a lower rate today. Ignore everything you know about insurance because I’m going to teach you one of the easiest ways to lower your annual insurance bill.

If you have car insurance now, you will be able to cut costs considerably using these methods. The purpose of this article is to introduce you to how car insurance quotes work and some money-saving tips. Nevertheless, vehicle owners can benefit by having an understanding of the way companies price online insurance and take advantage of how the system works.

Choices you make can impact your insurance costs

Smart consumers have a good feel for the rating factors that help determine your car insurance rates. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that may result in much lower annual insurance costs. Lots of things are part of the calculation when you quote your car insurance policy. Most are fairly basic like an MVR report, but others are less apparent such as your marital status and annual miles driven.

The list below includes just a few of the factors companies use to determine your premiums.

• Continuous coverage saves money – Not having insurance is a misdemeanor and your next policy will cost more because you let your insurance lapse. In addition to paying higher premiums, not being able to provide proof of insurance will get you a fine, jail time, or a revoked license. Then you may be required to file a SR-22 with your state department of motor vehicles.
• The more you drive the more you pay – Driving a lot of miles in a year the more you’ll pay to insure it. Most insurance companies calculate prices partially by how you use the vehicle. Autos left parked in the garage cost less to insure than those used for commuting. Improper usage on your Cougar can result in significantly higher rates. It’s a good idea to make sure your declarations sheet is showing the proper vehicle usage.
• Women tend to take less risk – Over the last 30 years, statistics show that women are safer drivers than men. However, don’t assume that males are worse at driving than females. Women and men have at-fault accidents in similar percentages, but the male of the species have costlier accidents. Not only are claims higher, but men get cited for more serious violations like driving under the influence (DUI). Young males tend to get in the most accidents and are penalized with high car insurance rates.
• Bad credit will cost you – An insured’s credit rating can be an important factor in determining what you pay. If your credit rating is low, you could be paying less to insure your 2000 Mercury Cougar by improving your credit score. Drivers who have excellent credit scores tend to be better risks to insure than drivers with bad credit.
• How’s your driving record? – Drivers with clean records have lower premiums than people who have multiple driving citations. Having just one ticket can increase the cost of insurance forty percent or more. Drivers who get severe citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state DMV in order to prevent a license revocation.
• Cars with good safety ratings means better prices – Cars with five star safety ratings tend to be cheaper to insure. Vehicles built for safety reduce occupant injuries and better occupant protection means less money paid by your insurance company and thus lower rates.

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Lower rates by qualifying for discounts

Some insurers don’t always advertise all available discounts very clearly, so the list below contains some of the more common and the harder-to-find savings tricks you should be using when you buy auto insurance online.

• Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on medical payment and PIP coverage.
• Save with More Vehicles Insured – Buying coverage for multiple cars on one policy can reduce the rates for all insured vehicles.
• Discount for Good Grades – Getting good grades can save 20 to 25%. Most companies allow this discount up to age 25.
• Discounts for Government Workers – Being employed by or retired from a federal job could qualify for a slight premium decrease on Cougar coverage with a few auto insurance companies.
• Senior Citizen Rates – If you qualify as a senior citizen, you may receive a small discount on rates on Cougar coverage.
• ABS Braking Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
• Distant College Student Discount – Youth drivers who live away from home at college without a vehicle on campus can be insured at a reduced rate.
• Multi-line Discount – If the company offers life insurance, you could get a break if you buy a life policy as well.
• Discount for Home Ownership – Just owning your own home can get you a discount because maintaining a house requires a higher level of personal finance.
• Sign Online – A handful of auto insurance companies provide a small discount for buying a policy and signing up over the internet.

Discounts save money, but please remember that most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like you can get free auto insurance, auto insurance companies aren’t that generous.

Larger auto insurance companies and the discounts they provide are outlined below.

• Farm Bureau may have discounts that include renewal discount, safe driver, youthful driver, 55 and retired, driver training, and multi-vehicle.
• State Farm may offer discounts for driver’s education, defensive driving training, passive restraint, accident-free, anti-theft, Steer Clear safe driver discount, and good driver.
• Progressive offers discounts including online quote discount, good student, multi-policy, homeowner, and online signing.
• Allstate may include discounts for defensive driver, new car, EZ pay plan discount, 55 and retired, and passive restraint.
• Nationwide has discounts for defensive driving, multi-policy, Farm Bureau membership, family plan, anti-theft, and accident-free.
• MetLife discounts include defensive driver, good student, multi-policy, good driver, and claim-free.

Before you buy a policy, ask each insurance company how you can save money. All car insurance discounts may not apply to policyholders in your area. If you would like to choose from a list of insurance companies that offer some of these discounts, click this link.

Car insurance is unique, just like you

When choosing proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Each situation is unique.

For example, these questions may help you determine whether or not you will benefit from professional help.

• Should I drop comprehensive coverage on older vehicles?
• Is business property covered if stolen from my car?
• Can I rate high risk drivers on liability-only vehicles?
• Exactly who is provided coverage by my policy?
• Does coverage extend to Mexico or Canada?
• Is my babysitter covered when using my vehicle?
• Can I rent a car in Mexico?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverage information

Having a good grasp of car insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as X-ray expenses, dental work, hospital visits and chiropractic care. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s 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. This is the reason having UM/UIM coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, damage from a tornado or hurricane, hail damage, falling objects and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

This coverage covers damage to your Cougar caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Liability coverage

Liability insurance provides protection from damage that occurs to a person or their property that is your fault. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

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. Your policy might show policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like attorney fees, loss of income, repair bills for other people’s vehicles, repair costs for stationary objects and pain and suffering. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

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Compare but don’t skimp

Consumers who switch companies do it for a variety of reasons including lack of trust in their agent, high rates after DUI convictions, questionable increases in premium or even high prices. Whatever your reason, finding a new insurance company is less work than it seems.

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. In many instances, drivers have reduced physical damage coverage only to find out that it was a big mistake. The ultimate goal is to purchase plenty of coverage at the best possible price, but do not sacrifice coverage to save money.

You just read a lot of techniques to reduce 2000 Mercury Cougar insurance premium rates online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even find the best premium rates are with some of the lesser-known companies.

More detailed insurance information is located in the articles below:

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Drunk Driving Statistics (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)

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