1990 Mercury Cougar Car Insurance Rates

Want the cheapest insurance rates for your Mercury Cougar? Trying to find more affordable insurance can seem to be slightly frustrating for people who are new to online insurance quotes. With so many options of online companies, it can easily be a ton of work to compare prices.

It is always a good idea to shop coverage around at least once a year because prices are rarely the same from one policy term to another. Even if you got the best deal for Cougar coverage at your last renewal other companies may now be cheaper. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to one of the best ways to get good coverage at a lower rate.

If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. Locating affordable auto insurance coverage can be fairly easy. But car owners need to have an understanding of the way insurance companies compete online.

How to compare free car insurance quotes

Comparing car insurance rates can be a lot of work if you don’t know the easiest way. You could waste time discussing policy coverages with local insurance agents in your area, or you could use online quotes to maximize your effort.

Most major companies participate in a marketplace where insurance shoppers only type in their quote data once, and each company returns a rated price based on that information. This prevents consumers from doing quotation requests for each company. To compare rates now click here to start a free quote.

The one disadvantage to comparing rates this way is that consumers can’t choose which companies you want to price. If you prefer to choose specific insurance companies to compare prices, we have assembled a list of car insurance companies in your area. View list of insurance companies.

Whichever way you use, make sure you use nearly identical coverage data on every quote. If you enter higher or lower deductibles it’s impossible to make a fair comparison for your Mercury Cougar. Having just a slight variation in limits can mean a large discrepancy in price. Just remember that making a lot of price comparisons helps improve the odds of finding the best price.

Use discounts to get cheaper insurance coverage quotes

Insurance coverage is easily one of your largest bills, but companies offer discounts to cut the cost considerably. Some discounts apply automatically when you get a quote, but some need to be inquired about prior to getting the savings.

  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may qualify for discounts up to 30%.
  • Theft Prevention System – Cars with anti-theft systems are less likely to be stolen and that can save you a little bit as well.
  • Safe Driver Discounts – Insureds without accidents can pay as much as 50% less for Cougar coverage than drivers with accident claims.
  • Discount for Good Grades – Maintaining excellent grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Safety Course Discount – Completing a class that teaches defensive driver techniques can save you 5% or more and also improve your driving technique.
  • Discount for Swiching Early – Some larger companies provide a discount for switching to them prior to the expiration date on your current policy. You may see this discount when you get insurance quotes online.
  • Multi-car Discount – Insuring multiple cars or trucks with the same insurance coverage company qualifies for this discount.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle up could cut 10% or more off PIP or medical payments premium.

Drivers should understand that many deductions do not apply to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. Despite the fact that it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

A list of insurance coverage companies and some of the discounts are:

  • Progressive offers premium reductions for continuous coverage, multi-vehicle, multi-policy, online quote discount, homeowner, and online signing.
  • MetLife may include discounts for claim-free, good student, good driver, accident-free, and defensive driver.
  • Mercury Insurance offers discounts for annual mileage, professional/association, low natural disaster claims, good driver, multi-car, age of vehicle, and anti-theft.
  • Nationwide has savings for easy pay, business or organization, family plan, multi-policy, accident-free, and Farm Bureau membership.
  • GEICO may have discounts that include seat belt use, membership and employees, anti-lock brakes, military active duty, and daytime running lights.
  • AAA has discounts for AAA membership discount, education and occupation, anti-theft, pay-in-full, and multi-car.

Check with all companies you are considering which credits you are entitled to. Depending on the company, some discounts may not apply to policyholders in every state.

Learn how to find insurance coverage for less

Lots of things are considered when you get a price on insurance. Some factors are common sense like an MVR report, but some are less obvious like your continuous coverage or how financially stable you are.

  • Physical damage deductibles – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some examples of covered claims are a broken side mirror, collision with an animal, and damage from a fallen tree branch. Your deductibles are the amount of money you are required to pay before a claim is paid by your company. The more damage repair cost you choose to pay out-of-pocket, the less your company will charge you for insurance for Cougar coverage.
  • Commute or pleasure use – The more you drive in a year the more you will pay for insurance coverage. The majority of insurers price each vehicle’s coverage partially by how you use the vehicle. Cars and trucks that do not get driven very much get more affordable rates than those that get driven frequently. Incorrect rating for your Cougar may be costing you higher rates. Ask your agent if your vehicle rating correctly shows the correct usage, because it can save money.
  • Choose high crash test ratings and save – Safer cars tend to be cheaper to insure. These vehicles protect occupants better and fewer serious injuries translates into savings for insurance companies and more competitive rates for policyholders. If your Mercury Cougar is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Single drivers take more risk – Having a spouse helps lower the price when shopping for insurance coverage. Having a significant other demonstrates that you tend to be more mature and insurance companies like that married drivers get in fewer accidents.
  • Premiums for men may be higher – Over the last 50 years, statistics have shown females are less aggressive when driving. The data does not necessarily mean that men are worse drivers. Men and women cause fender benders in similar numbers, but the male of the species tend to have more serious accidents. Men also statistically get more serious tickets like DWI (DUI) or reckless driving.
  • Rates increase with policy add-ons – There are a ton of add-on coverages that you can buy when buying insurance coverage. Coverages like rental car reimbursement, accidental death, and term life insurance may be wasting your money. These coverages may sound good when discussing your needs, but your money might be better spent on other coverage so think about removing them and cutting costs.

Tailor your auto insurance coverage to you

When choosing adequate coverage, there really is not a single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that can help discover if your situation could use an agent’s help.

  • Am I covered when driving a rental car?
  • Am I getting all the discounts available?
  • What are the financial responsibility laws in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does coverage extend to my business vehicle?
  • Where can I find high-risk insurance?
  • What happens if I owe more than my 1990 Mercury Cougar is worth?
  • Does insurance cover damages from a DUI accident?
  • When should my teen driver be added to my policy?
  • Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

Educate yourself about car insurance coverages

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from flooding, rock chips in glass, vandalism, a tree branch falling on your vehicle and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM 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 as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Liability

Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like funeral expenses, repair costs for stationary objects and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Coverage for collisions

Collision coverage covers damage to your Cougar resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, crashing into a building, rolling your car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for expenses for things like rehabilitation expenses, hospital visits, X-ray expenses and doctor visits. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

A little work can save a LOT of money

More affordable car insurance can be bought both online and from local agencies, so you need to quote insurance with both so you have a total pricing picture. Some insurance companies don’t offer the ability to get quotes online and most of the time these smaller companies only sell through independent insurance agencies.

Consumers switch companies for any number of reasons including lack of trust in their agent, being labeled a high risk driver, extreme rates for teen drivers or even high rates after DUI convictions. It doesn’t matter why you want to switch switching car insurance companies is not as difficult as it may seem.

We just covered a lot of techniques to lower your 1990 Mercury Cougar insurance premium rates. The key concept to understand is the more rate quotes you have, the higher your chance of finding affordable insurance. Drivers may discover the lowest premium rates are with a small mutual company.

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