View 2001 Mercury Grand Marquis Car Insurance Quotes

Looking for lower auto insurance rates for your Mercury Grand Marquis? Confused by the crazy number of auto insurance options? You’re not alone. Drivers have so many options that it can easily become a ton of work to find the lowest price.

Be sure to get all your discounts

Auto insurance companies don’t necessarily list every discount very clearly, so the following is a list of both well-publicized and the harder-to-find ways to save on car insurance.

  • Fewer Miles Equal More Savings – Keeping the miles down on your Mercury can earn a substantially lower rate.
  • Clubs and Organizations – Being a member of a professional or civic organization could trigger savings on your policy on Grand Marquis insurance.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • No Claims – Good drivers with no accidents pay less when compared to accident-prone drivers.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Distant Student – Kids in college who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less on Grand Marquis insurance than their less cautious counterparts.
  • Senior Citizens – Older drivers may receive a discount up to 10% on Grand Marquis insurance.

Drivers should understand that many deductions do not apply to the entire cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of insurance companies offering car insurance discounts, click here to view.

How do I know if I need professional advice?

When choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

For instance, these questions can aid in determining if your situation will benefit from professional help.

  • Are my friends covered when driving my car?
  • When can my company non-renew my policy?
  • Does my insurance cover my expensive audio equipment?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I getting all the discounts available?
  • Is my nanny covered when driving my vehicle?
  • When would I need additional glass coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What are the financial responsibility laws in my state?

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Buyer beware of auto insurance advertising tricks

Auto insurance providers like State Farm, Allstate and GEICO regularly use ads on TV and radio. They all say the same thing about savings if you move to them. How can each company claim to save you money?

Insurance companies are able to cherry pick for the type of customer they prefer to insure. For instance, a preferred risk could be over the age of 50, owns a home, and has a short commute. A customer getting a price quote who matches those parameters will get the preferred rates and most likely will save quite a bit of money when switching.

Potential customers who fall outside this ideal profile will be charged more money which leads to the customer not buying. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. This is how insurance companies can confidently make the claims of big savings. That is why you need to quote coverage with many companies. It’s impossible to know which insurance companies will provide you with the cheapest Mercury Grand Marquis insurance rates.

Car insurance coverages for a 2001 Mercury Grand Marquis

Understanding the coverages of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, theft, damage from getting keyed, a tree branch falling on your vehicle and vandalism. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for dental work, rehabilitation expenses and nursing services. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

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 the remaining damage will be paid by your insurance company.

Collision coverage protects against things like driving through your garage door, crashing into a building, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims 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, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability coverage

This coverage will cover damage or injury you incur to people or other property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like medical expenses, emergency aid, structural damage, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Have the Midas touch

Consumers switch companies for a variety of reasons including delays in responding to claim requests, questionable increases in premium, high prices or unfair underwriting practices. It doesn’t matter what your reason, finding a new company is pretty simple and you could end up saving a buck or two.

Cheaper 2001 Mercury Grand Marquis insurance can be sourced both online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. A few companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

When shopping online for insurance, it’s a bad idea to buy poor coverage just to save money. There have been many situations where an insured cut liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find for the lowest price while still protecting your assets.

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