Save on 2000 Mercury Grand Marquis Insurance Quotes

Searching for lower auto insurance rates for your Mercury Grand Marquis? Locating low-cost insurance for a Mercury Grand Marquis can turn out to be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to shop for auto insurance so you’re going to learn the best way to compare rates on a Mercury and obtain the lowest possible price.

How to Compare Insurance Coverage

Performing a rate comparison is a ton of work if you don’t utilize the most efficient way to do it. You could spend the better part of a day talking about coverages with insurance companies in your area, or you can stay home and use online quoting to get pricing more quickly.

Many of the larger companies participate in an industry program that enables customers to enter their policy data once, and every company then returns a price quote determined by their information. This eliminates the need for repetitive form submissions for every insurance coverage company. To compare 2000 Mercury Grand Marquis rates now click here to open in new window.

The single downside to using this type of form is you are unable to specify which companies you want to price. So if you want to choose specific insurance companies to compare, we have a listing of insurance coverage companies in your area. Click here for list of insurance companies.

Whichever way you use, make sure you use the exact same coverages for every company. If each company quotes different deductibles you can’t possibly make an equal comparison.

Discounts are great for lower rates

Car insurance companies don’t necessarily list every discount in a way that’s easy to find, so we researched some of the more common and the more hidden ways to save on auto insurance. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Drive Less and Save – Low mileage vehicles could qualify for a substantially lower rate.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts could save 15% off the personal injury premium cost.
  • Clubs and Organizations – Affiliation with certain professional organizations could trigger savings on your policy on Grand Marquis insurance.
  • Early Signing – Select companies give a discount for signing up prior to your current policy expiration. This can save 10% or more.

Drivers should understand that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like you can get free auto insurance, you won’t be that lucky.

To see a list of insurers with the best auto insurance discounts, click here.

Mercury Grand Marquis insurance rates can be determined by these details

It’s important that you understand the factors that go into determining your insurance rates. Understanding what determines base rates helps enable you to make changes that may reward you with lower insurance prices.

  • Bundling policies can get discounts – Some insurance companies will give a discount to customers who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to comparison shop to ensure the best deal. Drivers may still find a better deal by buying insurance from a different company.
  • Are you male or female? – Statistics have proven that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. Both sexes have accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also get more serious tickets like DUI and reckless driving.
  • Do you need those extra coverages? – There are a lot of extra coverages you can purchase if you aren’t careful. Insurance for personal injury protection, better glass coverage and motor club memberships may be wasting your money. These may sound like a good investment when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • Pleasure use saves money – The more miles you rack up on your Mercury in a year’s time the more you will pay for insurance. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars left parked in the garage qualify for better rates than vehicles that are driven to work every day. Having the wrong rating on your Grand Marquis can result in significantly higher rates. Make sure your insurance policy shows how each vehicle is driven.
  • Older drivers pay less – More mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations. Teenage drivers are statistically proven to be careless and easily distracted when driving and because of this, their insurance rates are much higher.

You may need specialized coverage

When it comes to choosing proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if your insurance needs will benefit from professional help.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered if I hit my neighbor’s mailbox?
  • Are rental cars covered under my policy?
  • Does having multiple vehicles earn me a discount?
  • Does insurance cover tools stolen from my truck?
  • When would I need rental car insurance?
  • Is my teenager covered with friends in the car?
  • Should I buy only the required minimum liability coverage?
  • At what point should I drop full coverage?
  • Which is better, split liability limits or combined limits?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Car insurance coverage specifics

Having a good grasp of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as chiropractic care, EMT expenses, nursing services and doctor visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Collision – Collision insurance pays to fix your vehicle from damage caused by collision 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 like sustaining damage from a pot hole, colliding with another moving vehicle, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Auto liability – This protects you from damages or injuries you inflict on other people or property in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things such as court costs, funeral expenses and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from flooding, damage from getting keyed, hitting a deer and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Buy online or local, you save

Affordable 2000 Mercury Grand Marquis insurance can be bought on the web and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some insurance companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

Drivers leave their current company for a variety of reasons including delays in paying claims, being labeled a high risk driver, unfair underwriting practices or lack of trust in their agent. No matter why you want to switch, finding a great new company can be easier than you think.

When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. In too many instances, an insured dropped uninsured motorist or liability limits only to find out that they should have had better coverage. The aim is to buy enough coverage at the best price while not skimping on critical coverages.

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