Finding low-cost insurance for a Ford Cougar can be difficult, but you can use the following methods to find lower rates.
There is a better way to buy auto insurance and we’ll show you the best way to compare rates on a Ford and get the lowest possible price from local insurance agents and online providers.
Buying affordable protection is quite easy. If you have insurance now or are looking for a new policy, you will benefit by learning to reduce the price you pay while maintaining coverages. Consumers just need to learn the most effective way to get comparison rates online.
Free Auto Insurance Quotes
Performing a rate comparison can be a daunting task if you don’t understand the best way to get rate quotes. You can spend countless hours talking to insurance companies in your area, or you can stay home and use the web to quickly compare rates.
Most major companies belong to a marketplace that enables customers to complete one form, and at least one company can provide price quotes based on the submitted data. This system prevents you from having to do repetitive form submissions for each company. To fill out one form to compare multiple rates now click here to open in new window.
The single downside to using this type of system is you don’t know exactly which providers to get pricing from. So if you want to select specific insurance companies for rate comparison, we put together a list of companies who write auto insurance in your area. View list of insurance companies.
It’s your choice how you get your quotes, but make absolute certain that you use identical coverage information on every quote. If your comparisons have differing limits then you won’t be able to determine which rate is truly the best.
Are you getting all your discounts?
The price of auto insurance can be rather high, but companies offer discounts to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but a few must be requested specifically prior to getting the savings. If you aren’t receiving every discount possible, you’re just leaving money on the table.
- Paperwork-free – A few companies give back up to $50 for buying your policy over the internet.
- Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Cougar coverage than their less cautious counterparts.
- Good Students Pay Less – Getting good grades can save 20 to 25%. The discount lasts up until you turn 25.
- Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
- Government Employees – Simply working for the federal government may qualify you for a discount for Cougar coverage with certain companies.
- Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Some only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will reduce your overall premium however.
For a list of companies with the best auto insurance discounts, click this link.
Buying car insurance locally
A small number of people would rather talk to a local agent and there is nothing wrong with that. Educated insurance agents can point out coverage gaps and help in the event of a claim. One of the best bonuses of price shopping on the web is the fact that you can find lower rates but also keep your business local. Supporting local businesses is definitely important in smaller communities.
For easy comparison, once you complete this simple form, your insurance coverage information is submitted to local insurance agents who will return price quotes for your business. You won’t need to leave your house as quotes are delivered straight to your inbox. How cool is that?!
If you want to view licensed agents in your state, click here.
Choosing an provider requires more thought than just a low price. Agents should be asked these questions:
- Do they specialize in personal lines coverage?
- What insurance companies do they work with?
- Which members of your family are coverage by the policy?
- If your car is totalled, how to they determine the replacement cost?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- If you are a high risk driver, do they have special markets for your coverage?
Upon getting answers to your satisfaction to your questions and an affordable coverage quote, it’s possible that you found an insurer that is a good match to service your policy.
Ford Cougar insurance premiums are calculated by many factors
Consumers need to have an understanding of the rating factors that play a part in calculating auto insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that could result in lower auto insurance prices.
- Drive less and save money – Driving more miles in a year the higher your rates will be. Almost all companies apply a rate based upon how you use the vehicle. Cars and trucks used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. An improperly rated Cougar may be wasting your money. Double check that your auto insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.
- Being married is a good thing – Having a wife or husband can get you a discount on your auto insurance policy. Having a significant other means you’re more mature and it’s proven that drivers who are married are more cautious.
- Type of vehicle determines base rates – The type of vehicle you are insuring makes a big difference in the rate you pay. The cheapest insurance rates are generally reserved for economy passenger cars, but other factors influence the final cost greatly. Due to the fact that the Ford Cougar is considered a passenger car, rates will be similar in price or lower than the average rate where you live.
- Drive a safer car and pay less – Safer cars get lower rates. Safe vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If the Ford Cougar earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
The auto insurance bait and switch
Consumers can’t get away from ads that promise big savings from the likes of State Farm, Allstate and GEICO. All the ads say the same thing about savings if you switch your coverage to them.
How can each company claim to save you money?
Insurance companies can use profiling for the right customer that earns them a profit. A good example of a driver they prefer might be profiled as between 25 and 40, has no tickets, and drives less than 7,500 miles a year. A customer that hits that “sweet spot” is entitled to the best price and is almost guaranteed to save when they switch companies.
Potential customers who do not match this ideal profile must pay more money which leads to business not being written. The ads state “people who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can advertise the way they do.
This illustrates why you should get as many comparisons as possible. It’s just too difficult to predict the company that will fit your personal profile best.
What is YOUR best insurance company?
As you prepare to switch companies, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where an insured dropped liability limits or collision coverage only to regret that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.
People change insurance companies for any number of reasons including lack of trust in their agent, questionable increases in premium, an unsatisfactory settlement offer and being labeled a high risk driver. No matter why you want to switch, finding the right auto insurance provider is not as hard as you think.
Cheap Ford Cougar insurance is possible on the web and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
