Cheaper 1996 Mercury Cougar Insurance Quotes

Perplexed by the number of insurance companies that you can choose from? Consumers have so many companies to choose from that it can be a difficult situation to find lower prices.

If you currently have car insurance, you will be able to cut costs considerably using this information. Locating the cheapest insurance coverage is simple if you know the tricks. But consumers can benefit from knowing how the larger insurance companies sell online.

The method we recommend to compare car insurance rates is to know car insurance companies provide online access to compare their rates. All you need to do is spend a couple of minutes providing details such as types of safety features, how much you drive, your job, and driver ages. The rating information is submitted instantly to insurance carriers in your area and they provide comparison quotes very quickly.

To find lower rates now, click here and enter the information requested.

Discounts to earn affordable insurance coverage rates

The cost of insuring your cars can be expensive, but there could be available discounts to help bring down the price. Some discounts will apply at the time of purchase, but occassionally some discounts must be inquired about before they will apply.

• Military Deployment Discount – Being deployed with a military unit could trigger a small discount.
• Multi-Vehicle Discounts – Having multiple cars or trucks on a single policy can get a discount for every vehicle.
• Onboard Data Collection – Drivers that enable driving data collection to track when and where they use their vehicle by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if their driving habits are good.
• Buy New and Save – Adding a new car to your policy can save up to 30% due to better safety requirements for newer vehicles.
• Safety Course Discount – Taking a course teaching defensive driving skills can save you 5% or more if your company offers it.
• Payment Discounts – By paying your policy upfront rather than paying in monthly installments you could save 5% or more.
• Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class if it’s offered in school.
• Homeowners Savings – Owning your own home or condo may earn you a small savings because it demonstrates responsibility.
• Braking Control Discount – Cars and trucks with anti-lock braking systems are much safer to drive so companies give up to a 10% discount.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, it’s just not the way it works.

Some of the larger companies that possibly offer most of these discounts are:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

When quoting, ask all the companies which discounts can lower your rates. Some credits might not be offered in every state.

Tailor your car insurance coverage to you

When choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Every insured’s situation is different.

These are some specific questions may help you determine if you might need professional guidance.

• When does my teenage driver need to be added to my policy?
• Does my policy cover me when driving someone else’s vehicle?
• Does my insurance cover my expensive audio equipment?
• Can I get a multi-policy discount?
• Why do I only qualify for high-risk insurance?
• Am I covered by my spouse’s policy after a separation?

If you don’t know the answers to 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.

How insurers determine Mercury Cougar insurance premiums

Many different elements are used when premium rates are determined. Some are obvious like a motor vehicle report, but other criteria are more transparent such as your marital status or your financial responsibility.

The items below are some of the things companies use to determine your prices.

• Premiums increase with driving tickets – Whether or not you get tickets has a lot to do with how much you pay for insurance. Drivers with clean records receive lower rates than bad drivers. Even a single driving citation may cause rates to rise to the point where it’s not affordable. Drivers who have gotten license-revoking citations like DUI, reckless driving or excessive speeding may find that they have to to prove financial responsibility with the DMV in their state in order to keep their license.
• Big cities mean more claims – Choosing to live in smaller towns and rural areas of the country can save you money when buying car insurance. Residents of big cities have more auto accidents and higher rates of accident claims. Fewer drivers and short commutes translates into fewer accidents and a lower car theft rate.
• Adjust physical damage deductibles and save – Physical damage protection, also called ‘full coverage’, is used to repair damage to your vehicle. Examples of covered claims are running into the backend of another car, hitting a deer, and windstorm damage. Deductibles for physical damage tell how much you are willing to pay if a covered claim is submitted. The more you pay before a claim is paid (deductible), the less your car insurance will be for Cougar insurance.
• Know your credit score – Having a bad credit score can be an important factor in determining what you pay. If your credit score can use some improvement, you could potentially save money when insuring your 1996 Mercury Cougar by improving your rating. People that have excellent credit scores tend to file fewer claims than those with lower credit scores.
• Marriage is a factor – Getting married can get you a discount on your policy. It means you’re less irresponsible and statistics prove married drivers get in fewer accidents.
• Additional coverages that may be costing you – There are many optional add-on coverages that can waste your money but may not be useful. Insurance for coverage for rental cars, towing, and membership fees are some examples. These coverages may sound good when buying your policy, but if they’re wasting money remove them from your policy.

Detailed coverages of your insurance policy

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a mailbox, sideswiping another vehicle, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Auto liability

Liability insurance protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as medical expenses, pain and suffering, funeral expenses and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 1996 Mercury Cougar.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as theft, damage from getting keyed, fire damage, hitting a deer and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as nursing services, EMT expenses, surgery and hospital visits. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

A fool and his money are soon parted

Drivers change insurance companies for any number of reasons including questionable increases in premium, delays in paying claims, policy cancellation and an unsatisfactory settlement offer. Whatever your reason, finding a new insurance company can be easier than you think.

In this article, we presented some good ideas how to shop for 1996 Mercury Cougar insurance online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. You may even discover the best prices are with a company that doesn’t do a lot of advertising.

Cheaper insurance can be found on the web and from local agencies, so you need to quote insurance coverage with both in order to have the best chance of saving money. There are still a few companies who may not have the ability to get quotes online and most of the time these regional carriers only sell through local independent agencies.

For more information, take a look at the following helpful articles:

• Auto Insurance FAQ (Farmers Insurance)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)