Cheap 2001 Mercury Cougar Car Insurance Rates

Searching for the cheapest auto insurance rates for your Mercury Cougar? Are you sick and tired of not being able to afford to pay your auto insurance bill each month? Your situation is no different than many other consumers.

Having so many options, it can be impossible to locate a lower cost auto insurance provider.

Consumers should take time to compare prices quite often since insurance prices fluctuate regularly. Even if you got the best rates for Cougar insurance a few years ago the chances are good that you can find a lower rate quote today. You can search a lot of auto insurance on the web, but by reading this article, you’re going to learn some proven techniques to lower your auto insurance rates.

How to get insurance coverage quotes

There are several ways to shop for insurance coverage, but one way is easier and takes less work. You could spend the better part of a day discussing policy coverages with agents in your area, or you can stay home and use online quoting to get prices fast.

Most of the larger companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and every company can provide price quotes based on the submitted data. This prevents consumers from doing quote forms for each company you want a rate for.

To get comparison pricing now click here to start a free quote.

The only drawback to pricing coverage this way is you are unable to specify which carriers to get quotes from. So if you prefer to choose specific insurance companies to compare rates, we put together a list of low cost insurance coverage companies in your area. Click here to view list.

Whichever way you choose to compare rates, make absolute certain that you use apples-to-apples quote information for every company. If you enter unequal deductibles or liability limits it’s not possible to truly determine the lowest rate. Even a minor difference in insurance coverages may result in large price differences. And when comparing insurance coverage rates, know that comparing a large number of companies will enable you to find a lower rate than you’re paying now. Some insurance companies are not set up to provide online price quotes, so it’s important to also get price estimates from them as well.

Lower rate quotes by taking advantage of discounts

Auto insurance is not an enjoyable expense, but there are discounts available to help offset the cost. Many of these discounts will be applied automatically at the time of quoting, but once in a while a discount must be requested specifically before they will apply.

• Distant Student Discount – College-age children who attend college more than 100 miles from home and leave their car at home can receive lower rates.
• Savings for New Vehicles – Adding a new car to your policy can save up to 30% since newer vehicles are generally safer.
• E-sign – Some insurance companies provide a small discount for buying your policy over the internet.
• Driver Training Discounts – Successfully completing a course teaching driver safety skills is a good idea and can lower rates and easily recoup the cost of the course.
• Federal Government Employee – Federal government employees could qualify for a slight premium decrease for Cougar insurance with select insurance companies.
• Senior Citizens – Drivers over the age of 55 may qualify for a small decrease in premiums for Cougar insurance.
• Switch and Save Discount – Some insurance companies reward drivers for signing up before your current coverage expires. This discount can save up to 10%.
• Auto/Life Discount – Companies who offer life insurance give a lower price if you buy a life insurance policy as well.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and therefore earn up to a 10% discount.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, you’re out of luck. But all discounts will lower your overall bill.

If you would like to view insurance companies with discount auto insurance rates, click here to view.

How much auto insurance do I need?

When buying adequate coverage, there really is not a cookie cutter policy. Every situation is different so your insurance needs to address that. For instance, these questions might point out if your situation might need an agent’s assistance.

• Do I have coverage when making deliveries for my home business?
• What if I owe more than I can insure my car for?
• When can I cancel my policy?
• Who is covered by my policy?
• What is covered by UM/UIM coverage?
• Does coverage extend to my business vehicle?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverage basics

Understanding the coverages of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on the average insurance policy.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from flooding, rock chips in glass and hail damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability

This can cover injuries or damage you cause to other people or property by causing an accident. 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, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as court costs, medical services and structural damage. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like damaging your car on a curb, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills like chiropractic care, doctor visits, ambulance fees and surgery. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2001 Mercury Cougar.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.