Save on 2000 Mercury Cougar Car Insurance Quotes

Have you fallen victim to overpriced car insurance? It’s quite common and there are many people just like you. There are many insurance companies to choose from, and though it is a good thing to be able to choose, more choices can make it harder to get the best deal.

It’s a good habit to check car insurance prices as often as possible because prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rate for Cougar coverage two years ago you may be paying too much now. There is too much inaccurate information about car insurance out there, but in a few minutes you can learn some great ideas on how to lower your car insurance bill.

Shopping for the lowest cost insurance is quite easy. If you have insurance now or need new coverage, you can use this information to get lower rates while maximizing coverage. Vehicle owners just need to understand the most efficient way to buy insurance online.

Compare insurance coverage rates

Reducing your 2000 Mercury Cougar insurance rates is actually quite simple. All that’s required is to invest a little time to get quotes provided by online insurance companies. This can easily be done in a couple of different ways.

1. Hands down the most simple method to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This form saves time by eliminating separate forms for each company you want a rate for. Completing one form gets you price quotes from several companies.
2. A slightly less efficient method to get quotes online is to take the time to go to each company’s website and fill out their own quote form. For example, we’ll pretend you want to compare rates from Nationwide, Geico and Farmers. In order to compare rates, you need to visit each site and enter your policy data, which can be really labor intensive. For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples coverages and limits for every quote you compare. If the quotes have different coverage information you will not be able to make a fair rate comparison.

Do I just need basic coverages?

When it comes to choosing coverage, there isn’t really a one size fits all plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions might help in determining whether or not you may require specific advice.

• Do I have any recourse if my insurance company denies a claim?
• Does my medical payments coverage pay my health insurance deductible?
• When should I drop full coverage on my 2000 Mercury Cougar?
• Is my state a no-fault state?
• Am I covered if I crash into my own garage door?
• Is a fancy paint job covered?
• Am I covered if my car is in a flood?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

Specific coverages for a 2000 Mercury Cougar

Having a good grasp of your policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by insurance companies.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, colliding with another moving vehicle, crashing into a building, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability – Liability coverage can cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims like funeral expenses, attorney fees, pain and suffering and medical expenses. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2000 Mercury Cougar.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, hitting a bird, falling objects, damage from getting keyed and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Med pay and PIP coverage pay for bills such as pain medications, prosthetic devices, funeral costs, dental work and nursing services. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay