2004 Mercury Grand Marquis Insurance Quotes

Have you fallen victim to an underperforming, overpriced auto insurance policy? Believe me when I say there are many people just like you. Many insurance companies compete to insure your vehicles, so it can be very hard to choose a insurer to find the best rate

If you are insured now or need new coverage, you will benefit by learning to shop for the lowest rates and still get good coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to know how to get comparison quotes online.

Don’t miss these discounts

Insuring your vehicles can cost a lot, but there could be available discounts to cut the cost considerably. Certain discounts will be applied at quote time, but less common discounts must be manually applied prior to receiving the credit. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off for Grand Marquis coverage with select insurance companies.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. The good student discount can last until age 25.
  • Safe Driver Discount – Safe drivers may save up to 50% more for Grand Marquis coverage than drivers with accidents.
  • Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiring. The savings is around 10%.

Consumers should know that some of the credits will not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, insurance companies aren’t that generous. Any amount of discount will bring down your overall premium however.

Companies that may have these money-saving discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. Savings might not be offered in your state.

Some factors that can determine what Mercury Grand Marquis insurance costs

An important part of buying insurance is that you know the rating factors that come into play when calculating insurance coverage rates. When you know what positively or negatively impacts premium levels enables informed choices that can help you get much lower annual insurance costs.

The list below includes some of the items insurance coverage companies consider when setting your rates.

  • Pay less after the wedding – Being married helps lower the price when buying insurance coverage. It translates into being more mature than a single person and statistics show married couples file fewer claims.
  • Always keep insurance in force – Allowing your coverage to lapse will be a fast way to bump up your insurance coverage costs. Not only will you pay more, but being ticketed for driving with no insurance will get you a steep fine or even jail time.You may need to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Rate your vehicle for proper use – The more miles you rack up on your Mercury in a year the more you’ll pay to insure your vehicle. Almost all companies apply a rate determined by how the vehicle is used. Vehicles not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your insurance coverage policy is rated on how each vehicle is driven. Incorrect usage on your Grand Marquis can result in significantly higher rates.
  • How many coverages with the same company – Some insurance companies provide better rates to customers who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. Even with this discount, you may still want to compare rates to make sure you are getting the best deal. Drivers may still find better rates by splitting coverages up.
  • Men fork out a little more – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. Both sexes have accidents at a similar rate, but the men cause more damage. Men also statistically get cited for more serious violations like DUI and reckless driving. Youthful male drivers tend to get in the most accidents and therefore are the most expensive to insure.

When might I need help?

When it comes to choosing proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that might point out whether you will benefit from professional help.

  • Is there coverage for injuries to my pets?
  • Do I pay less if my vehicle is kept in my garage?
  • What companies insure drivers after a DUI or DWI?
  • Does my policy cover my teen driver if they drive my company car?
  • I have a DUI can I still get coverage?
  • Do I need replacement cost coverage on my 2004 Mercury Grand Marquis?
  • Am I covered if hit by an uninsured driver?
  • What exactly is covered by my policy?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Do drivers who switch really save $472 a year?

Consumers can’t ignore all the ads that promise big savings by State Farm, Allstate and GEICO. All the companies have a common claim that you’ll save big after switching to their company.

How does each company claim to save you money?

All companies are able to cherry pick for the driver that earns them a profit. For example, a preferred risk might be profiled as between 30 and 50, a clean driving record, and drives newer vehicles. A customer who fits that profile gets the lowest rates and as a result will probably save when switching.

Potential insureds who don’t measure up to this ideal profile will be charged a higher premium which leads to business not being written. The ad wording is “customers that switch” not “people who quote” save that much. That’s why companies can truthfully advertise the way they do.

That is why you should get quotes from several different companies. It’s impossible to know which insurance companies will give you the biggest savings on Mercury Grand Marquis insurance.

The coverage is in the details

Having a good grasp of a insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for dental work, surgery, rehabilitation expenses, pain medications and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2004 Mercury Grand Marquis.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

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 pays for claims such as backing into a parked car, colliding with a tree, colliding with another moving vehicle, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for liability

This coverage protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as structural damage, pain and suffering, loss of income and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hail damage, a broken windshield, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

In Summary

While you’re price shopping online, you should never buy poor coverage just to save money. There are many occasions where drivers have reduced collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage for the lowest price while still protecting your assets.

Lower-priced 2004 Mercury Grand Marquis insurance can be purchased online in addition to many insurance agents, so compare prices from both to have the best selection. There are still a few companies who do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

You just learned a lot of techniques to shop for insurance online. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. Consumers may even find the biggest savings come from a smaller regional carrier. They may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

More information can be read at these links: