1999 Mercury Cougar Car Insurance Rates

Looking for cheaper car insurance rates for your Mercury Cougar? No normal person likes having to buy car insurance, especially when they could find better rates elsewhere.

You have multiple insurance companies to choose from, and though it is a good thing to have multiple companies, it makes it harder to get the best deal.

Get lower-cost insurance with discounts

Some providers don’t list the complete list of policy discounts very clearly, so the next list breaks down both well-publicized and also the lesser-known discounts that may be available.

• Distant College Student Discount – College-age children who live away from home at college and do not have access to a covered vehicle could get you a discount.
• Discounts for Government Workers – Federal government employees may reduce rates when you quote car insurance for Cougar coverage with some insurance companies.
• No Claim Discounts – Drivers who stay claim-free pay less compared to drivers who are more careless.
• Accident Waiver – Not necessarily a discount, but a few companies such as Liberty Mutual, Allstate and State Farm will let one accident slide before your rates go up as long as you don’t have any claims prior to the accident.
• Air Bag Discount – Options like air bags can qualify for discounts of more than 20%.
• Include Life Insurance and Save – If the company offers life insurance, you could get lower prices if you buy auto and life insurance together.
• Smart Student Discounts – Maintaining excellent grades can save 20 to 25%. The good student discount can last up until you turn 25.
• Save with More Vehicles Insured – Purchasing coverage when you have multiple cars or trucks on a single policy could earn a price break for each car.
• Renewal Discounts – Select insurance companies give a discount for buying a policy before your current expiration date. It’s a savings of about 10%.
• Payment Method – By making one initial payment instead of monthly or quarterly installments you can avoid monthly service charges.

You should keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, nobody gets a free ride.

A few popular companies and some of their more popular discounts are outlined below.

• The Hartford offers discounts including good student, anti-theft, bundle, vehicle fuel type, and air bag.
• American Family offers premium reductions for multi-vehicle, good student, early bird, accident-free, good driver, and Steer into Savings.
• Progressive may offer discounts for multi-policy, good student, online quote discount, online signing, continuous coverage, and multi-vehicle.
• Travelers may include discounts for driver training, IntelliDrive, new car, home ownership, student away at school, and payment discounts.
• Farmers Insurance includes discounts for multi-car, pay in full, bundle discounts, youthful driver, and good student.
• USAA may have discounts that include good student, military installation, defensive driver, family discount, and safe driver.
• Liberty Mutual policyholders can earn discounts including new graduate, newly married, multi-policy, new move discount, teen driver discount, newly retired, and safety features.

When quoting, ask all the companies which discounts can lower your rates. Some of the discounts discussed earlier might not apply in your state. To find insurers with discount rates, click this link.

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First Step: Get free insurance coverage quotes

There are multiple methods to compare insurance coverage prices but some are less labor-intensive and much quicker. You can spend your afternoon driving to insurance agencies in your area, or you could save time and use the internet to achieve your goal.

Many companies belong to a marketplace that enables customers to only type in their quote data once, and each participating company then returns a price quote. This prevents consumers from doing form submissions to every company. To compare pricing click here to open in new window.

The single downside to using this type of system is you cannot specify which insurance companies to receive prices from. If you would rather choose specific insurance companies for rate comparison, we put together a list of insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just do your best to use equivalent coverages and limits with every price quote. If the quotes have differing limits it’s impossible to find the best deal for your Mercury Cougar. Even a minor difference in coverage limits could mean much higher rates. Just keep in mind that comparing more company’s prices helps you find a better price. Not every company does price estimates online, so it’s important to compare quotes from those companies as well.

Buy Mercury Cougar insurance at a discount

The best way to find cheaper insurance coverage is to take a look at the rating factors that go into determining the level of your policy premiums. If you know what determines base rates, this helps enable you to make changes that could result in cheaper rates.

• Decrease premiums by maintaining coverage – Not having insurance is a big no-no and insurance coverage companies will penalize you for letting your coverage cancel without a new policy in place. Not only will rates go up, the inability to provide proof of insurance will get you a license revocation or jail time. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
• Small claims can cost you – If you’re an insured who likes to file claims you can look forward to either higher rates or even cancellation. Companies provide discounts to people who are not frequent claim filers. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.
• Big cities have higher prices – Living in less populated areas is a good thing when it comes to insurance coverage. Less people living in that area means less chance of accidents and a lower car theft rate. City drivers have congested traffic and a longer drive to work. The longer drive time means more chances of being involved in an auto accident.
• Higher coverage deductibles cost less – Insurance for physical damage, aka comp and collision, protects your Mercury from damage. Some examples of claims that would be covered could be a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Your deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. The higher the amount the insured is willing to pay, the less your insurance coverage will be for Cougar coverage.
• Accidents cost more than a fine – Even one driving citation may cause rates to rise by twenty percent. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Drivers who get multiple citations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state motor vehicle department in order to continue driving.
• Are men or women drivers cheaper? – Over the last 30 years, statistics show that females take fewer risks when driving. However, this does not mean women are BETTER drivers than men. Both genders get in fender benders in similar numbers, but the men have accidents that have higher claims. They also get ticketed for serious violations like DWI (DUI) or reckless driving.
• Liability is peace of mind – The liability coverage on your policy provides coverage if you are found liable for damages from an accident. Your liability coverage provides for a legal defense which can cost a lot. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.

Tailor your car insurance coverage to you

When it comes to buying the best car insurance coverage, there really is not a cookie cutter policy. Each situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

• How many claims can I have before being cancelled?
• Can my babysitter drive my car?
• Why am I required to buy high-risk coverage?
• Are split liability limits better than a combined single limit?
• Can I make deliveries for my home business?
• Do I have coverage when using my vehicle for my home business?
• What is UM/UIM insurance?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

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Do drivers who switch really save $415 a year?

Auto insurance companies such as State Farm and Allstate constantly bombard you with ads in print and on television. All the companies make the point that drivers can save some big amount if you move to their company. How does every company make the same claim? It’s all in how they say it.

All the different companies are able to cherry pick for the type of driver that earns them the most money. For instance, a profitable customer may need to be over the age of 50, has a clear driving record, and has a high credit rating. Someone who matches those parameters will get low rates and will most likely save when switching.

Potential insureds who do not meet this stringent profile will see higher premium rates which translates to the customer buying from someone else. The ads state “drivers that switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently make it sound like they have such great premium rates. This really emphasizes why you really should compare free car insurance quotes often. Because you cannot predict with any certainty which company will have better car insurance rates than you’re paying now.

Educate yourself about car insurance coverages

Having a good grasp of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages found on most car insurance policies.

Coverage for collisions

Collision insurance pays for damage to your Cougar caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of 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 is a good idea.

Liability coverages

Liability coverage can cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like attorney fees, pain and suffering and court costs. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses for funeral costs, pain medications and X-ray expenses. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like falling objects, a tree branch falling on your vehicle, vandalism, damage from getting keyed and a broken windshield. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

One last thing about your coverage

As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

Cheaper insurance can be purchased from both online companies and from local insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who may not have rates over the internet and many times these small insurance companies work with local independent agents.

Additional resources

• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)

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