1990 Mercury Cougar Insurance Rates

Looking for the cheapest car insurance rates for your Mercury Cougar? Finding low cost coverage rates for Driverscar insurance could be kind of frustrating for drivers new to online comparison shopping. Drivers have so many agents and companies to choose from that it can easily turn into a difficult mission to compare prices.

You should make it a habit to check car insurance prices once or twice a year since insurance prices are usually higher with each renewal. If you had the best rate on Cougar insurance on your last policy you will most likely find a better premium rate today. There is lot of inaccurate information about car insurance on the web, but by reading this article, you’re going to learn some good information on how to slash your car insurance rates.

How to buy car insurance online

Most of the larger companies such as Progressive, Geico, Allstate and State Farm give insurance quotes online. Comparing rates online is fairly straightforward as you simply enter your required coverages into the quote form. Once you submit the form, the system obtains reports for credit and driving violations and generates pricing information.

Quoting online makes it simple to compare prices but the time it takes to visit many different websites and complete many quote forms gets old quite quickly. But it’s absolutely necessary to have as many quotes as possible if you want to get the best price possible.

There is an easier way to compare rates

The easiest way to locate the lowest prices uses one simple form that obtains quotes from several different companies. It saves time, requires much less work on your part, and makes rate comparisons much more efficient. Immediately after you send the form, it is quoted and you are able to buy your choice of the price quotes you receive. If you find a better price it’s easy to complete the application and purchase the new policy. This process takes 15 minutes at the most and may result in a nice savings.

To quickly fill out one form to compare multiple rates now, click here and enter your information. If you have your current policy handy, we recommend you input the coverages exactly as shown on your declarations page. Doing this assures you’re receiving comparison quotes based on the exact same insurance coverage.

Double check you’re getting with these discounts

Companies that sell car insurance do not advertise every available discount very well, so below is a list a few of the more common and the more hidden credits available to lower your premiums when you buy car insurance online.

• Service Members Pay Less – Being on active deployment in the military may qualify for rate reductions.
• Theft Deterent Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently and will qualify for a discount on a car insurance quote.
• New Car Discount – Buying a new car model is cheaper since new vehicles are generally safer.
• Own a Home – Owning a home can get you a discount since home ownership shows financial diligence.
• Federal Employees – Simply working for the federal government could cut as much as 10% off on Cougar insurance with certain companies.
• Drive Less and Save – Low annual miles may enable drivers to earn substantially lower prices.

Keep in mind that most credits do not apply the the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, auto insurance companies aren’t that generous. Any qualifying discounts will cut the amount you have to pay.

Popular auto insurance companies and their offered discounts include:

• State Farm may include discounts for anti-theft, passive restraint, Drive Safe & Save, driver’s education, and multiple policy.
• American Family has savings for multi-vehicle, defensive driver, Steer into Savings, accident-free, TimeAway discount, and mySafetyValet.
• Geico may have discounts that include federal employee, five-year accident-free, emergency military deployment, good student, anti-lock brakes, air bags, and driver training.
• 21st Century offers premium reductions for good student, early bird, student driver, teen driver, homeowners, and air bags.
• Progressive policyholders can earn discounts including good student, multi-policy, online signing, continuous coverage, multi-vehicle, online quote discount, and homeowner.

If you are trying to find cheaper car insurance quotes, ask all the companies which discounts they offer. All car insurance discounts may not be offered in every state.

Why your insurance prices might be higher

It’s important that you understand some of the elements that come into play when calculating the rates you pay for insurance. If you have a feel for what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you big savings. Many things are considered when pricing auto insurance. Some are obvious like an MVR report, but other criteria are more obscure like your vehicle usage or your vehicle rating.

• Save by driving safer vehicles – Cars with high safety ratings tend to have better insurance rates. Safe vehicles reduce occupant injuries and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your Mercury Cougar is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
• Marriage is a good thing – Having a spouse may earn you lower rates compared to being single. Having a spouse generally demonstrates drivers are less irresponsible and statistics show married couples file fewer claims.
• Improve your credit score – Credit rating will be a significant factor in your rate calculation. So if your credit rating is not that good, you may save money insuring your 1990 Mercury Cougar by improving your credit score. Drivers who have high credit ratings tend to be more responsible and file fewer claims as compared to drivers with lower ratings.
• Increase comp and collision deductibles to save – Comprehensive and collision coverage deductibles state the amount of money you are willing to pay if a claim is determined to be covered. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims would be collision with another vehicle, fire damage, or theft of your vehicle. The more money you have to pay, the less your company will charge you for insurance on Cougar insurance.
• Tickets will cost you – Getting just one moving violation may cause rates to rise by as much as thirty percent. Careful drivers get better prices than bad drivers. Drivers with serious violations like reckless driving or DUI may face state-mandated requirements to maintain a SR-22 with their state motor vehicle department in order to keep their license.

Your situation helps dictate your coverage

When choosing proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Every situation is different.

These are some specific questions can aid in determining if your insurance needs might need an agent’s assistance.

• Will filing a claim cost me more?
• Are my friends covered when driving my car?
• When should I remove comp and collision on my 1990 Mercury Cougar?
• What companies insure drivers after a DUI or DWI?
• Am I covered when using my vehicle for business?
• Is a blown tire covered by insurance?
• Am I covered if I hit a deer?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverage basics

Knowing the specifics of insurance aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for nursing services, EMT expenses, rehabilitation expenses, X-ray expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage covers damage to your Cougar resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, colliding with a tree, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

UM/UIM Coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1990 Mercury Cougar.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, a tree branch falling on your vehicle, hail damage, damage from getting keyed and damage from flooding. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance

This will cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like bail bonds, repair bills for other people’s vehicles, emergency aid and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as large an amount as possible.

More quotes mean more savings

As you prepare to switch companies, it’s a bad idea to buy poor coverage just to save money. In many cases, drivers have reduced collision coverage only to discover later that the small savings ended up costing them much more. The goal is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Some companies may not offer online price quotes and many times these smaller companies provide coverage only through independent insurance agents. Cost effective 1990 Mercury Cougar insurance can be sourced online and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from.

People who switch companies do it for a number of reasons such as not issuing a premium refund, delays in responding to claim requests, policy cancellation and even denial of a claim. Regardless of your reason, finding a new company is not as difficult as it may seem.

Much more information about insurance is available at these links:

• Medical Payments Coverage (Liberty Mutual)
• What is Full Coverage? (Allstate)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)