Cheaper 2003 Mercury Grand Marquis Insurance Quotes

Buyers have lots of choices when searching for the lowest priced Mercury Grand Marquis insurance. They can either spend hours driving around getting price quotes or save time using the internet to make rate comparisons.

There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the absolute fastest way to get price quotes for a new or used Mercury and locate the lowest price.

It’s a good idea to compare prices occasionally because prices go up and down regularly. Just because you found the lowest price for Grand Marquis insurance last year the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because you’re about to learn the tricks you need to know to get good coverage at a lower rate.

Don’t miss out on these money-saving discounts

Car insurance can cost a lot, but there could be available discounts to cut the cost considerably. A few discounts will automatically apply when you complete an application, but a few need to be inquired about prior to getting the savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Accident Waiver – Certain companies will forgive one accident before raising your premiums if you are claim-free for a set time period.
  • Club Memberships – Participating in a civic or occupational organization could qualify you for a break on your policy for Grand Marquis insurance.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount for Grand Marquis insurance with a few insurance companies.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Low Mileage Discounts – Keeping the miles down on your Mercury could qualify for discounted rates on garaged vehicles.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky. But any discount will cut your overall premium however.

Car insurance companies who might offer these discounts include:

Check with each insurance company what discounts are available to you. Savings may not apply in your state.

Do I need special coverages?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions may help highlight whether your personal situation will benefit from professional help.

  • Am I better off with higher deductibles on my 2003 Mercury Grand Marquis?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need replacement cost coverage on my 2003 Mercury Grand Marquis?
  • Does my medical payments coverage pay my health insurance deductible?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What is the ISO rating for a 2003 Mercury Grand Marquis?
  • Will I lose any money if I cancel my policy before it expires?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

How can Progressive, Geico, Allstate and State Farm save drivers who switch?

Drivers get pounded daily by advertisements for cheaper car insurance from the likes of Progressive, Geico, Allstate and State Farm. All the companies make an identical promise of big savings if you move your coverage to them.

How does each company say the same thing?

All companies are able to cherry pick for the type of driver they prefer to insure. For example, a driver they prefer could possibly be between 25 and 40, has no driving citations, and has a high credit rating. A driver that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don’t meet the requirements will have to pay higher rates and this can result in business going elsewhere. Company advertisements say “customers who switch” not “everyone that quotes” save that much money. This is how insurance companies can confidently advertise the way they do.

Because of the profiling, it’s extremely important to get as many comparisons as possible. You cannot predict which auto insurance company will have the lowest Mercury Grand Marquis insurance rates.

Detailed coverages of your car insurance policy

Understanding the coverages of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision protection

Collision insurance pays for damage to your Grand Marquis resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as damaging your car on a curb, rolling your car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Auto liability

This will cover damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like emergency aid, loss of income and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills like doctor visits, X-ray expenses, ambulance fees, hospital visits and chiropractic care. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage pays for claims like damage from getting keyed, rock chips in glass, falling objects, hail damage and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Shop smart and save

People leave their current company for a number of reasons such as policy non-renewal, policy cancellation, extreme rates for teen drivers and even poor customer service. Whatever your reason, finding a great new company can be less work than you think.

Cheap 2003 Mercury Grand Marquis insurance can be bought on the web as well as from independent agents, and you should be comparing both to get a complete price analysis. Some companies don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped physical damage coverage only to regret at claim time they didn’t purchase enough coverage. Your goal should be to get the best coverage possible at an affordable rate while still protecting your assets.

Even more information can be found at these sites: