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.
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.
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.
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.
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.
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
Katherine Hendricks
From northwest of Spokane, WA. I don’t recall every quote but I ended up saving about $20 each month. I get a discount for insuring multiple vehicles. I dropped full coverage awhile back.
Lindsay Mcleod
I found cheap 2000 Mercury Cougar insurance in Las Vegas, Nevada with Progressive.
Carline Schultz
Enjoyed the article. Live in the northern part of Bellevue, NE. I got free prices from 21st Century, Erie, and The General for my Mercury and saved just over $120 a year. When should I drop full coverage?
Steve Lynch
I compared a lot of rate quotes for a 2000 Mercury Cougar in Seattle, Washington. Ended up at darn near $120 every six months with AIG Insurance. Good savings if you bundle. Not sure if rates are cheaper online or through an agent.
Darline Leach
I drive uninsured.
Spencer Gibson
Nice info. I live south of Warwick, RI. I quoted with AIG Insurance, Sentry, and a few others for my 2000 Mercury Cougar and saved $95 a year. Insured with Encompass before. Switched homeowners coverage too. Are quotes cheaper online? I dropped full coverage awhile back.
Ardell Reese
I found cheap 2000 Mercury Cougar insurance in Oklahoma City, OK with Allstate.
Karin Jordan
My Cougar is faster than yours.