Shoppers have a choice when shopping for the lowest priced Mercury Cougar insurance. They can either waste time contacting agents getting price quotes or use the internet to compare rates.
There are both good and bad ways to shop for insurance coverage and we’ll show you the quickest way to quote coverages on a Mercury and find the best price possible either online or from local insurance agents.
This information will instruct you on the most effective way to quote insurance and some tips to save money. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these tips. Drivers only need to know how to compare price quotes online.
Companies offering auto insurance do not advertise every disount available very clearly, so below is a list both well-publicized and also the lesser-known credits that may apply to you.
You can save money using discounts, but most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, nobody gets a free ride.
A few companies that may offer quotes with most of the discounts above include:
If you need lower rates, check with every company which credits you are entitled to. Some credits might not be offered on policies in your state. If you would like to view car insurance companies that have a full spectrum of discounts, click here.
There are multiple methods to shop for insurance coverage, but some are more efficient than others. You could spend your day discussing policy coverages with agents in your area, or you could save time and use the internet to get pricing more quickly.
Many companies participate in a marketplace that allows shoppers to enter their coverage request one time, and each participating company then gives them pricing. This saves time by eliminating form submissions for each company.
To enter your information into the quoting system, click to open in new window.
The one disadvantage to comparing rates this way is you cannot specify which providers to receive prices from. If you prefer to choose specific providers to receive pricing from, we have a page of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.
Whichever way you choose to compare rates, make darn sure you compare identical information for each quote you get. If the quotes have different data it’s not possible to determine which rate is truly the best.
When it comes to choosing the best insurance coverage for your personal vehicles, there is no perfect coverage plan. Each situation is unique.
For example, these questions can help discover if your insurance needs may require specific advice.
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.
Learning about specific coverages of auto insurance helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.
This coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your 1992 Mercury Cougar.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are similar to your liability insurance amounts.
This covers 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 insurance covers claims like damage from flooding, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
This coverage will cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.
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 $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage protects against claims such as loss of income, repair costs for stationary objects, structural damage and funeral expenses. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.
This coverage pays for damage to your Cougar resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as backing into a parked car, sustaining damage from a pot hole, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.
Medical payments and Personal Injury Protection insurance pay for expenses for things like prosthetic devices, X-ray expenses, ambulance fees and funeral costs. They are utilized in addition to your 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 being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage
Low-cost 1992 Mercury Cougar insurance can be sourced on the web as well as from independent agents, and you need to comparison shop both to have the best selection. Some insurance companies do not offer internet price quotes and many times these regional carriers prefer to sell through independent agents.
Insureds who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, denial of a claim, not issuing a premium refund and high rates after DUI convictions. Regardless of your reason for switching companies, finding a new company is pretty easy and you might even save some money in the process.
In this article, we presented a lot of information how to reduce 1992 Mercury Cougar insurance rates online. It’s most important to understand that the more companies you get auto insurance rates for, the higher your chance of finding affordable insurance. You may even discover the best rates are with a smaller regional carrier.
Even more information is located in the articles below:
Titus Boyd
Thought I’d throw in my experience. Proud to be from Idaho Falls, ID. Quoted with 21st Century, AAA, and some I forget for my Mercury and am saving around $60 a year. I just quoted rates online. Liability only on my Mercury.
Kisha Chang
I found pretty cheap rate quotes for a 1992 Mercury Cougar in Concord, NH. Ended up at right around $70 every six months with American Family. Was with 21st Century. Thankfully I’m not a high risk driver. They offer free online rate quotes.
Jaymie Hill
I was with Liberty Mutual last year but switched to State Farm. I’m in the suburbs of Augusta, Georgia. I get multi-vehicle and multi-policy discounts.
Kristofer Tanner
Cheaper not always better. From north side of Phoenix, Arizona. I quoted with State Farm, Amica, and some I forget for my Mercury and I’m now saving $17 a month. Moved home policy as well. I got a quote from their website.
Byron Ellison
Cheaper not always better. Lifelong resident of Fairbanks, AK. Quoted with Hanover, AIG Insurance, Safeco, and a couple others for my 1992 Mercury Cougar and saved $61 a year. I got prices on the web. It’s too old for full coverage.
Li Durham
Great site. I live in a small town just outside of Green Bay, WI. Got free quotes online for a 1992 Mercury Cougar. Ended up at about $90 savings annually. Went with Progressive. BTW speeding tickets are not good.
Deanna Donaldson
In Fort Wayne, IN, 21st Century is a good choice. Left USAA to switch. A clean driving record helps. I used their online quote form to compare rates. I don’t insure for physical damage though.
Rolando Klein
Is 21st Century cheaper than Amica in Rochester, MN?
Russ Larsen
Here’s my info. From west side of Baton Rouge, LA. Quoted with American Family, Nationwide, and a few others for my 1992 Mercury Cougar and saved $98 a year.
Cassandra Watson
It all costs too much. From Warren, Michigan. Received quotes with Hartford, AAA, Sentry, and a couple others for my 1992 Mercury Cougar and saved just over $100 a year. Teenage drivers are expensive! Just liability coverage since it’s getting old.
Leonida Matthews
I compared a lot of rate quotes for a 1992 Mercury Cougar in Cedar Rapids, IA. Ended up at roughly $70 every six months with AIG Insurance. Left Sentry to switch. Have a couple speeding tickets too. Wish I didn’t have to insure at all. My Cougar doesn’t have full coverage.