Compare 2001 Mercury Cougar Car Insurance Rates

Want the cheapest car insurance rates for your Mercury Cougar? Price shopping your Driverscar insurance could be frustrating for beginners to comparison shopping online. With more and more online companies available, it can be hard work to find cheaper car insurance rates.

Buying cheaper insurance is not that difficult. Just about every vehicle owner who carries insurance will more than likely be able to lower their premiums. Nevertheless, car owners must comprehend how big insurance companies sell insurance online and take advantage of how the system works.

How to buy insurance

Effectively comparing insurance prices can be a daunting task if you aren’t aware of the most efficient way. You could waste time talking to insurance agencies in your area, or you can utilize the web to get prices fast.

Many insurance companies are enrolled in a marketplace that enables customers to only type in their quote data once, and every company provides a quote. This prevents consumers from doing repetitive form submissions to each individual insurance company. To access this free quoting program, click here to open in new window.

The one downside to using this type of form is that consumers can’t choose which companies you want pricing from. If you prefer to choose specific insurance companies to request quotes from, we have a page of companies who write insurance in your area. View list of insurance companies.

Whichever way you choose to compare rates, make sure you use the exact same coverage information on every price quote you get. If each company quotes higher or lower deductibles it’s not possible to decipher which rate is best. Having just a slight variation in coverage limits may result in large price differences. Just keep in mind that comparing all the rates in your area helps you find more affordable insurance. Some regional insurers cannot provide rate quotes online, so it’s necessary to compare price estimates on coverage from those companies, too.

Everyone needs different auto insurance coverages

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

For instance, these questions can help discover whether or not you may require specific advice.

  • Can I rate high risk drivers on liability-only vehicles?
  • What can I do if my company denied a claim?
  • Is business equipment covered while in my vehicle?
  • Is my trailer covered?
  • Is rental equipment covered for theft or damage?
  • Are rock chip repairs covered?
  • Is my babysitter covered when using my vehicle?
  • Am I covered when driving on a suspended license?
  • What are the best liability limits?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverages and their meanings

Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

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

Collision coverage protects against claims such as damaging your car on a curb, colliding with a tree, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Mercury Cougar.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these coverages are set the same as your liablity limits.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, falling objects, theft, hail damage and damage from flooding. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability – Liability coverage can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like repair bills for other people’s vehicles, structural damage and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for immediate expenses for funeral costs, ambulance fees, prosthetic devices and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage