1991 Mercury Cougar Insurance Rates – 10 Policy Discounts

Looking for the cheapest insurance rates for your Mercury Cougar? Comparison shopping for cheap Driversinsurance might be hard for drivers who have little experience online price comparisons. When there are so many online companies available, it can easily become a chore to compare prices.

How to buy car insurance online

Effectively comparing car insurance prices can be a daunting task if you don’t understand the fastest way to get free quotes. You could spend your day discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to quickly compare rates.

Most car insurance companies participate in an industry program where insurance shoppers send in one quote, and at least one company can give them a price based on that data. This eliminates the need for quote forms for each company.

To participate in this free quote system, click here to start a free quote.

The single downside to comparing rates this way is you can’t choose the insurers you will receive quotes from. If you prefer to choose individual companies to receive pricing from, we have a page of car insurance companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing exactly the same quote information for each quote you get. If you have higher or lower deductibles it’s impossible to determine which rate is truly the best. Having just a slight variation in insurance coverages could skew the results. Just keep in mind that comparing a wide range of rates gives you a better chance of getting more affordable insurance. Not every company does price estimates online, so you should also compare quotes from them, too.

Cheap car insurance rates with discounts

Auto insurance companies don’t list all disounts in a way that’s easy to find, so below is a list some of the best known and the harder-to-find credits available to bring down your rates.

• Discount for New Cars – Buying a new car model can save you some money because new model year vehicles keep occupants safer.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Discount for Life Insurance – Some car insurance companies give a discounted premium rate on car insurance if you buy some life insurance too.
• Federal Employees – Active or retired federal employment could cut as much as 10% off for Cougar coverage but check with your company.
• Telematics Data – Drivers who elect to allow their company to scrutinize when and where they use their vehicle remotely such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if their driving habits are good.
• Distant Student – Youth drivers who live away from home to go to college and leave their car at home may qualify for this discount.
• Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
• Switch and Save Discount – Some larger companies give discounts for buying a new policy prior to the expiration date on your current policy. It can save you around 10%.
• Responsible Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for Cougar coverage than drivers with accident claims.
• Smart Student Discounts – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.

As a footnote on discounts, some of the credits will not apply the the whole policy. Some only reduce individual premiums such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, that’s just not realistic.

A few popular companies and a partial list of their discounts include:

• Geico offers premium reductions for multi-vehicle, anti-lock brakes, daytime running lights, five-year accident-free, and defensive driver.
• SAFECO offers discounts including multi-car, drive less, safe driver, bundle discounts, and teen safety rewards.
• State Farm may include discounts for Steer Clear safe driver discount, anti-theft, safe vehicle, driver’s education, and Drive Safe & Save.
• MetLife offers discounts for good student, multi-policy, defensive driver, good driver, and claim-free.
• 21st Century discounts include theft prevention, defensive driver, air bags, early bird, anti-lock brakes, and teen driver.
• Progressive has discounts for continuous coverage, multi-policy, multi-vehicle, good student, online quote discount, homeowner, and online signing.

When comparing rates, check with each company which discounts they offer. Some of the earlier mentioned discounts may not be available in your area.

Tailor your insurance coverage to you

When buying coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions can help discover whether or not you will benefit from professional help.

• Does my insurance cover my expensive audio equipment?
• How much liability coverage do I need in my state?
• Are my tools covered if they get stolen from my vehicle?
• How much underlying liability do I need for an umbrella policy?
• Am I covered when pulling a rental trailer?
• Do I have coverage when making deliveries for my home business?
• Which is better, split liability limits or combined limits?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form.

Coverages available on your auto insurance policy

Learning about specific coverages of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as X-ray expenses, funeral costs, dental work and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Auto liability – This coverage will cover damage or injury you incur to other people or property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like repair costs for stationary objects, legal defense fees, pain and suffering, loss of income and attorney fees. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Collision – This coverage pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like rolling your car, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, theft, fire damage and damage from getting keyed. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mercury Cougar.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Find Good Coverage for Less

When buying insurance coverage, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where consumers will sacrifice liability coverage limits only to regret at claim time that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at the best price.

Throughout this article, we presented many tips how you can get a better price on 1991 Mercury Cougar insurance. It’s most important to understand that the more times you quote, the better your comparison will be. You may even discover the lowest priced insurance comes from the smaller companies.

Drivers leave their current company for a variety of reasons including not issuing a premium refund, extreme rates for teen drivers, policy non-renewal and even policy cancellation. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.

For more information, feel free to browse these articles:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Shopping for a Safe Car (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)