Find the Cheapest Rates for Insurance on a Mercury Cougar

Locating the cheapest insurance for a Mercury Cougar in Nevada can be difficult, but you can use the following methods and make it easy.

There is a better way to find car insurance online so you’re going to learn the proper way to price shop coverage on a Mercury and obtain the lowest possible price from Nevada insurance agents and online providers.

Cut your car insurance rates with discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically when you quote, but a few need to be specially asked for prior to getting the savings. If you don’t get every credit you qualify for, you’re just leaving money on the table.

Homeowners Savings – Owning a home can save you money because of the fact that having a home requires personal responsibility.
Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Cougar coverage than drivers with accident claims.
Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiring. The savings is around 10%.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates you could get a free car insurance policy, it doesn’t quite work that way. But any discount will reduce your overall premium however.

To see a list of providers who offer car insurance discounts in Nevada, click here to view.

Nevada Car Insurance Comparisons

Most companies provide prices for coverage on their websites. Getting online rates is pretty easy as you simply type in your coverage preferences as requested by the quote form. After the form is submitted, the system sends out for reports for credit and driving violations and generates pricing information.

This simplifies rate comparisons, but the work required to visit several different sites and fill out multiple forms can be a bit tiresome and repetitive. Unfortunately, it is important to get many rate quotes if you are searching for the lowest price.

Compare rates the easy way

The easiest way to find cheaper rates makes use of a single form that gets price quotes from more than one company. The form is fast, helps eliminate reptitive entry, and makes online shopping much more efficient. After sending your information, it is rated and you are able to buy any one of the quote results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. It can be completed in a matter of minutes and may save quite a bit of money.

In order to fill out one form to compare multiple rates now, click here to open in a new tab and enter your information. To compare your current rates, we recommend you input as shown on your current policy. This makes sure you are getting an apples-to-apples comparison using the exact same coverages.

What determines your Mercury Cougar insurance premium

It’s important that you understand the different types of things that play a part in calculating the price you pay for car insurance. Understanding what influences your rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Type of vehicle determines base rates – The make and model of the vehicle you are insuring makes a huge difference in the rate you pay. The lowest rates tend to be for small economy passenger cars, but there are many factors that impact the final cost. Since the Mercury Cougar is considered a coupe, rates will be similar in price compared to average rates.
Being married can save on car insurance – Having a spouse can actually save you money when buying car insurance. Having a significant other is viewed as being more mature and responsible and statistics show married couples file fewer claims.
More claims means more premium – If you frequently file small claims, you can expect higher rates. Car insurance companies in Nevada provide cheaper rates to insureds who file claims infrequently. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
Safe vehicles cost less to insure – Vehicles with good safety scores get lower rates. These vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If your Mercury Cougar is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
Poor driving leads to higher costs – Even one moving violation may increase your cost forty percent or more. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. If you have flagrant violations like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with the DMV in their state in order to keep their license.
Your location is important – Residing in a small town is a positive aspect when buying car insurance. City drivers regularly have more traffic problems and a longer drive to work. Fewer people means fewer accidents as well as less vandalism and auto theft.
Men fork out a little more – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. Men and women tend to get into accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically have more aggressive citations such as reckless driving.
Do you work long hours in a high stress job? – Occupations such as real estate brokers, business owners and stock brokers tend to have the highest rates attributed to stressful work requirements and long work hours. On the other hand, occupations such as farmers, students and the unemployed receive lower rates for Cougar coverage.

Situations that might require an agent

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

Can my teen driver be rated on a liability-only vehicle?
When should I remove comp and collision on my Mercury Cougar?
Am I covered by my spouse’s policy after a separation?
Is my vehicle covered by my employer’s policy when using it for work?
Does my Mercury Cougar qualify for pleasure use?
Is my business laptop covered if it gets stolen from my vehicle?
Does my insurance cover my expensive audio equipment?
Who is covered by my policy?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

What happened to insurance agents?

A small number of people would rather sit down with an agent and that is OK! Educated insurance agents can help determine the best coverages and help submit paperwork. The best thing about comparing insurance prices online is you can get the best rates but also keep your business local. Buying from local agencies is important particularly if you live in a smaller city or town.

For easy comparison, once you complete this short form, the quote information is transmitted to local insurance agents who will compete for your coverage. You won’t need to drive around since price quotes are sent to your email. How cool is that?!

Two different types of car insurance agents

If you’re trying to find an insurance agent, there are a couple of different agency structures that you can select. Insurance agencies in Nevada are classified as either independent or captive. Both types can write coverage properly, but it’s good to learn the difference between them because it can influence buying decisions.

Independent Agencies or Brokers

Independent agents are not employed by any specific company so they can insure your vehicles amongst many companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency. When shopping rates, we recommend you include multiple independent agents to ensure the widest selection of prices. Most have the option of insuring with lesser-known insurance companies who may have lower rates.

Agency Captives

Captive insurance agents work for only one company such as American Family, State Farm and Allstate. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. Captive agents are well schooled on the products they sell and that can be a competitive advantage. Some people will only buy from captive agents partially due to high brand loyalty and solid financial strength.

For a complete listing of Nevada insurance agents, view this site.

Selecting an insurance agency needs to be determined by more than just a cheap price. Any agent should have no problem answering these questions:

Who is covered by the car insurance policy?
How long has their agency been in business?
Does the agency support the community they serve?
Is their price quote a firm figure or are their hidden costs?
Will their companies depreciate repairs to your car based on the mileage?

After getting good answers to any questions you have in addition to an acceptable price estimate, most likely you have located an insurance agent that can insure your vehicles.

Is there deception in advertising?

Nevada consumers can’t get away from ads for car insurance savings from the likes of Allstate, GEICO and Progressive. They all make an identical promise of big savings after switching your coverage to them.

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

Insurance companies can use profiling for the right customer they prefer to insure. A good example of a profitable customer might be over the age of 50, owns a home, and drives newer vehicles. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who don’t measure up to the “perfect” profile will be quoted higher rates and ends up with the driver buying from a lower-cost company. The ads state “people who switch” but not “drivers who get quotes” save money. This is how insurance companies can make those claims.

This emphasizes why you absolutely need to get quotes from several different companies. You cannot predict which company will fit your personal profile best.

Final thoughts

We just presented a lot of tips how to shop for Mercury Cougar insurance online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even find the best prices are with the smaller companies.

Discount Mercury Cougar insurance is available from both online companies in addition to many Nevada insurance agents, and you need to price shop both so you have a total pricing picture. Some car insurance companies do not provide online price quotes and these smaller companies work with independent agents.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage for the lowest price while still protecting your assets.

Learn more about car insurance in Nevada

Additional information is available on the Nevada Division of Insurance website through this link. Nevada consumers can learn about insurance regulations, read industry bulletins, find a variety of consumer forms, and find out industry alerts.