1999 Mercury Cougar Insurance Rates – 7 Tricks for Cheaper Quotes

Looking for lower car insurance rates for your Mercury Cougar? Think you have an overpriced car insurance policy? It’s a common feeling and you’re not the only one.

Many auto insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurance company and get the definite cheapest price

If you currently have car insurance, you will most likely be able to lower your premiums substantially using these tips. Choosing the best insurance company for you is not that difficult. Nevertheless, car owners benefit from understanding how the larger insurance companies compete online and take advantage of how the system works.

Pay discount rates these seven premium-slashing discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that may help make it more affordable. A few discounts will automatically apply at the time of purchase, but occassionally some discounts must be asked about prior to getting the savings. If you do not double check each discount you deserve, you are throwing money away.

  • Own a Home – Just being a homeowner can help you save on insurance since owning and maintaining a home is proof of financial responsibility.
  • No Charge for an Accident – but a few companies such as State Farm and Allstate may permit one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • Passive Restraints – Options like air bags or automatic seat belts can receive discounts of 20 to 30 percent.
  • Discounts for New Vehicles – Buying a new car instead of a used car can be considerably cheaper compared to insuring an older model.
  • Service Members Pay Less – Being deployed with a military unit could mean lower premium rates.
  • 55 and Retired – Seniors are able to get a discount up to 10% on Cougar coverage.
  • Low Miles Discount – Driving less could be rewarded with better prices on cars that stay parked.

A little note about advertised discounts, most discounts do not apply to the entire cost. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A few popular companies and some of the discounts can be found below.

  • State Farm may have discounts that include Drive Safe & Save, multiple policy, good driver, safe vehicle, Steer Clear safe driver discount, multiple autos, and student away at school.
  • Geico includes discounts for air bags, defensive driver, emergency military deployment, anti-theft, good student, and anti-lock brakes.
  • Liberty Mutual has discounts for preferred payment discount, new move discount, new graduate, good student, and exclusive group savings.
  • The Hartford discounts include anti-theft, driver training, bundle, good student, and air bag.
  • MetLife policyholders can earn discounts including multi-policy, good student, good driver, accident-free, claim-free, and defensive driver.
  • Progressive offers discounts including good student, multi-policy, online quote discount, online signing, continuous coverage, and homeowner.

If you need lower rates, check with every insurance company to give you their best rates. Discounts may not apply to policies in your area. To see insurers who offer cheap insurance quotes, click here to view.

Low cost car insurance prices

To find the best car insurance rates, there are several ways to compare quotes from all the different companies. The best method to compare 1999 Mercury Cougar insurance prices is to use the internet to compare rates. This is quite simple and can be completed using a couple different methods.

If you’re in a hurry, the quickest way to get the best comparison quotes is a comparison rater form click to view form in new window. This quick form prevents you from having to do separate forms for each price estimate. Just one form gets coverage cost estimates from car insurance companies with the best prices.

A less efficient way to find better pricing is spending the time to visit the website for every company you want to comare and repeat the quote process again and again. For example, we’ll assume you want to compare Progressive, Geico and Farmers. You would have to visit each site and enter your information, and that’s why the first method is more popular. For a list of companies in your area, click here.

The least efficient method to get price estimates is physically going to each insurance agency near you. Comparing rates online reduces the need to sit down with an agent unless you have a need for the professional assistance of a local agent. If you prefer, some companies allow you to comparison shop your insurance online but purchase the actual policy in an agency.

However you get your quotes, be sure you’re using identical coverage limits on every quote you get. If you compare unequal deductibles or liability limits you will not be able to make a fair rate comparison. Even a minor difference in insurance coverages or limits could skew the results. Just keep in mind that quoting more helps increase your odds of locating a lower rate than you’re paying now. Not every company does quotes online, so you also need to get price estimates on coverage from those companies, too.

Do I need special coverages?

When choosing the best auto insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.

  • Which is better, split liability limits or combined limits?
  • Will I lose any money if I cancel my policy before it expires?
  • I don’t drive much so do I pay less?
  • When should I buy a commercial auto policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is motorclub coverage worth it?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Do all my vehicles need collision coverage?
  • Does liability extend to a camper or trailer?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Car insurance coverage information

Learning about specific coverages of car insurance aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types found on most car insurance policies.

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Mercury Cougar.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses such as pain medications, doctor visits, ambulance fees and hospital visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things like medical expenses, emergency aid, funeral expenses and attorney fees. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, fire damage and hitting a deer. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

This pays to fix your vehicle from damage 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 coverage protects against claims such as hitting a parking meter, backing into a parked car, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

One last thing about your coverage

Cheap 1999 Mercury Cougar insurance is available on the web and from local insurance agents, so you should compare both to have the best selection. Some insurance coverage companies may not provide rates over the internet and usually these smaller companies only sell through independent insurance agencies.

As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage at a price you can afford.

More detailed insurance coverage information can be read in the articles below:

Comments About 1999 Mercury Cougar Insurance

  1. Wilhelmina Pate

    I think I’m paying too much. I’m in the north part of Atlanta, Georgia. Went online for free insurance quotes for a 1999 Mercury Cougar. Ended up at about $120 savings annually. Went with GEICO. Insured with Progressive before. I get multi-vehicle and multi-policy discounts.

  2. Bret Richardson

    What is comprehensive coverage?

  3. Almeta Simmons

    Is Allstate cheap in Omaha, NE?

  4. Neomi Petersen

    I found pretty cheap rate quotes for a 1999 Mercury Cougar in Cincinnati, OH. Ended up at roughly $70 every six months with American Family. Moved home policy as well. I don’t put full coverage on it.

  5. Anh Graham

    Nice post. Quoted with Safeco for my 1999 Mercury Cougar and am saving around $100 a year. I don’t put full coverage on it.

  6. Delmar Black

    Like your site, BTW. I live in a small town just outside of Baltimore, Maryland. Quoted with Progressive, Hanover, and Eastwood for my Cougar and saved just over $110 a year. It’s still not cheap enough.

  7. Livia Hickman

    Will GEICO cancel me for an at-fault accident?

  8. Marlene Graves

    Does State Farm offer good discounts?