View 2008 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 could be a lot of work, but you can use these tips to make it easier. There is a better way to compare auto insurance rates so you’re going to learn the proper way to compare rates for a Mercury and get the lowest possible price from local insurance agents and online providers.

How to Get Insurance

Performing a rate comparison is a ton of work if you don’t understand the most efficient way. You can spend your afternoon talking about coverages with insurance companies in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Many companies participate in an industry program where prospective buyers enter their policy data once, and each participating company returns a rated price for coverage. This saves time by eliminating quote forms for every insurance company. To compare pricing click here (opens in new window).

The single downside to using this type of form is you cannot specify the companies you want pricing from. If you would rather choose specific insurance companies for rate comparison, we have a page of insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but double check that you are using exactly the same quote information with each company. If your comparisons have unequal deductibles or liability limits you will not be able to make an equal comparison.

Save $404 a year. For real?

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

How do they all claim to save you money?

All the different companies can use profiling for the driver that earns them a profit. For example, a preferred risk might be profiled as between 30 and 50, has no tickets, and has excellent credit. A customer getting a price quote who meets those qualifications will get the preferred rates and as a result will probably save quite a bit of money when switching.

Potential insureds who don’t measure up to these standards will be quoted higher prices which leads to business going elsewhere. The ads state “people who switch” but not “drivers who get quotes” save money. That’s why insurance companies can confidently make the claims of big savings. This emphasizes why drivers should get a wide range of price quotes. You cannot predict which company will fit your personal profile best.

Do you qualify for discounts?

Companies do not list all their discounts very clearly, so here is a list both the well known and also the lesser-known ways to save on insurance coverage. If you’re not getting every credit you deserve, you are throwing money away.

  • Auto/Home Discount – When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiration. It can save you around 10%.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Grand Marquis coverage with a few insurance coverage companies.
  • Organization Discounts – Affiliation with a professional or civic organization could trigger savings on insurance coverage on Grand Marquis coverage.

Drivers should understand that some credits don’t apply to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. Just because you may think you can get free auto insurance, companies wouldn’t make money that way.

To see a list of insurers who offer insurance coverage discounts, click here.

Don’t assume everyone needs the same coverage

When choosing the right insurance coverage, there really is not a cookie cutter policy. Each situation is unique.

For instance, these questions can help discover whether you might need professional guidance.

  • I have health insurance so do I need medical payments coverage?
  • How high should my medical payments coverage be?
  • What is the rate difference between pleasure use and commuting?
  • Do I have any recourse if my insurance company denies a claim?
  • Can my babysitter drive my car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Car insurance 101

Understanding the coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, hitting a deer, fire damage and falling objects. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage – This coverage pays for damage to your Grand Marquis resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers 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.

Auto liability – This coverage protects you from damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like structural damage, pain and suffering, bail bonds and medical expenses. How much coverage you buy is your choice, but buy as much as you can afford.

Insurance for medical payments – Med pay and PIP coverage provide coverage for bills like nursing services, dental work, funeral costs, EMT expenses and hospital visits. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

More choices the merrier

Throughout this article, we presented a lot of techniques to save on 2008 Mercury Grand Marquis insurance. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even discover the biggest savings come from the smaller companies.

Cost effective insurance can be found on the web in addition to many insurance agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies do not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

Consumers leave their current company for any number of reasons including lack of trust in their agent, unfair underwriting practices, delays in paying claims or questionable increases in premium. No matter why you want to switch, choosing a new company is less work than it seems.

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