Mercury Cougar Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

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Comparing auto insurance from online rate quotes is easy, in addition you will probably save money. The key is to get rates from all providers in order to have the cheapest rate quotes.

Beginners to comparing rates may think finding affordable Mercury Cougar insurance is more work than they want to put in. To find the best auto insurance prices, there are several ways of comparing rates from auto insurance companies in your area. The recommended way to compare Mercury Cougar insurance cost involves getting comparison quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a Mercury Cougar can fluctuate considerably based upon several criteria. A few of these criteria are:

  • Your driving record
  • Credit rating impacts rates
  • Male rates may be higher
  • Deductible amount directly impacts your rate
  • NTSB crash rating for your vehicle
  • Your profession
  • The amount of protection requested
  • Owning a home can lower rates

One last important factor that can impact the rate you pay on your Mercury Cougar is the year of manufacture. Used vehicles have a much lower replacement value so the costs to repair will push premiums down. But newer vehicles may have options including adaptive cruise control, anti-lock brakes, and active head restraints which may lower rates.

Liability insurance - Liability insurance can cover injuries or damage you cause to a person or their property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision coverage - This coverage covers damage to your Cougar from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive protection - This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage - Coverage for medical payments and/or PIP provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP is not an option in every state and gives slightly broader coverage than med pay.

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