1. Vehicles
  2. Mercury
  3. Cougar
  4. 1991 Model Year

1991 Mercury Cougar Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Jun 12, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Consumers have many options when looking for the best price on Mercury Cougar insurance. You can either spend your time driving around to get rate comparisons or utilize the internet to get rate quotes. There is a better way to find insurance online so you’re going to learn the absolute fastest way to compare rates for a Mercury and obtain the lowest possible price from local insurance agents and online providers.

If you have a policy now or are looking for a new policy, you can use these tips to shop for the lowest rates while maximizing coverage. This information will instruct you on how to get online quotes. Vehicle owners only need to know the proper way to get comparison rates online.

Lower rates by qualifying for discounts

Car insurance companies do not advertise all their discounts very well, so we break down both the well known as well as the least known discounts you could be receiving. If you don’t get every credit you deserve, you are throwing money away.

  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Low Mileage – Low mileage vehicles could qualify for a substantially lower rate.
  • Auto/Home Discount – When you have multiple policies with one insurance company you will save 10% to 20% off each policy.
  • Claim Free – Claim-free drivers can save substantially compared to drivers who are more careless.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less on Cougar insurance than less cautious drivers.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, companies wouldn’t make money that way.

To see a list of insurers with discount car insurance rates, click here.

How to Compare Auto Insurance

Most major insurance companies provide coverage price quotes on the web. Getting online rates is pretty painless as you just enter the coverages you want as detailed in the form. After you submit the form the company’s rating system orders your credit score and driving record and quotes a price based on many factors.

Quoting online helps simplify price comparisons, but the time required to go to many different websites and enter the same data into a form can be a bit tiresome and repetitive. But it is imperative to have as many quotes as possible if you are searching for the lowest price.

The preferred way to find cheaper rates uses one form that gets prices from a bunch of companies at once. It saves time, helps eliminate reptitive entry, and makes comparison shopping much easier to do. After sending your information, it gets priced and you are able to buy any or none of the price quotes you receive. If you find a better price you simply finish the application and purchase the new policy. This process only takes a few minutes and you will know how your current rates stack up.

To compare rates using this form now, click here to open in new window and fill out the form. If you have a policy now, it’s recommended you duplicate the limits and deductibles just like they are on your policy. This ensures you will be getting a price comparison based on the exact same insurance coverage.

Mercury Cougar insurance rates can be determined by these details

It’s important that you understand some of the elements that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in big savings.

The list below includes some of the items companies use to determine premiums.

  • Extra coverages can waste money – There are a lot of additional coverages that you can buy when buying car insurance. Insurance for rental car reimbursement, towing coverage and term life insurance may be wasting your money. These may sound like a good investment initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Always keep insurance in force – Allowing your car insurance policy to lapse is a fast way to pay more for car insurance. Not only will rates go up, failure to provide proof of insurance might get you a steep fine or even jail time.You may have to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Safer occupants lowers premiums – Vehicles with high crash test scores get lower rates. These vehicles reduce injuries and better occupant protection means lower claim amounts and more competitive rates for policyholders. If your Mercury scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Don’t skimp on liability – Your policy’s liability coverage will protect you if ever you are found to be at fault for causing damage or personal injury in an accident. It will provide for a legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
  • Do you know your deductibles? – The deductibles define the amount you are required to spend if you file a covered claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims are running into the backend of another car, damage caused by hail, and rolling your vehicle. The more expense you have to pay, the bigger discount you will receive on Cougar insurance.
  • Younger drivers pay higher rates – Mature drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers. Teen drivers are known to get distracted easily in a vehicle and because of this, their car insurance rates are much higher.
  • Drive less and save money – The more miles you rack up on your Mercury in a year the more you will pay for car insurance. The majority of insurers charge to insure your cars based upon how you use the vehicle. Vehicles that are left in the garage receive lower rates than vehicles that are driven to work every day. If your policy improperly rates your Cougar may be costing you. Verify your car insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money.

Car insurance is unique, just like you

When buying proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Am I covered if I drive in a foreign country?
  • How do I insure my teen driver?
  • Can my teen drive my company car?
  • Does coverage extend to my business vehicle?
  • Should I put collision coverage on all my vehicles?
  • What if I don’t agree with a claim settlement offer?

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 an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Don’t be fooled by advertising claims

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as Progressive, GEICO, Allstate and State Farm. All the ads have a common claim that you’ll save big if you switch your policy.

How does each company make almost identical claims? This is how they do it.

All the different companies have a certain “appetite” for the type of customer they prefer to insure. For example, a desirable insured could be over the age of 50, insures multiple vehicles, and has excellent credit. Any driver who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who are not a match for this ideal profile must pay a more expensive rate which usually ends up with the customer not buying. The ad wording is “people who switch” not “everyone that quotes” save money. This is how insurance companies can confidently make the claims of big savings. This illustrates why it is so important to get as many comparisons as possible. You cannot predict which company will fit your personal profile best.

Detailed coverages of your car insurance policy

Having a good grasp of a car insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Liability coverages

Liability coverage will cover injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as repair costs for stationary objects, repair bills for other people’s vehicles, medical services, funeral expenses and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical costs insurance

Med pay and PIP coverage kick in for immediate expenses for things like surgery, funeral costs and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like sustaining damage from a pot hole, crashing into a building, driving through your garage door and rolling your car. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mercury Cougar.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive or Other Than Collision

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as falling objects, vandalism and fire damage. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Make a quick buck

Cheap 1991 Mercury Cougar insurance can be bought both online as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies don’t offer online quoting and many times these smaller companies only sell through independent insurance agents.

As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Insureds leave their current company for many reasons like not issuing a premium refund, high prices, unfair underwriting practices and extreme rates for teen drivers. Regardless of your reason for switching companies, switching car insurance companies is easier than you think.

Helpful articles

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles