Cheaper 2009 Mercury Grand Marquis Insurance Quotes

Looking for better car insurance rates for your Mercury Grand Marquis? Finding the cheapest car insurance online can be somewhat difficult for consumers not familiar with price shopping online. With a ridiculous number of insurance companies available, how can drivers effectively compare every one to find the cheapest rates?

You should make it a habit to compare rates every six months due to the fact that insurance rates go up and down regularly. Even if you got the best rates on Grand Marquis insurance two years ago you will most likely find a better rate today. So just block out anything you think you know about car insurance because you’re going to learn one of the quickest ways to find better rates and still maintain coverage.

How to Compare Insurance Coverage Rates

Comparing insurance coverage rates can be challenging if you don’t understand the most efficient way to do it. You could spend your day talking about coverages with local insurance agents in your area, or you can utilize the internet to get pricing more quickly.

Most of the larger companies take part in a program where insurance shoppers enter their coverage request one time, and each company then gives them pricing. This saves time by eliminating quote requests for each company. To get comparison pricing now click here to start a free quote.

The only drawback to comparing rates this way is that consumers can’t choose which carriers you will receive quotes from. If you prefer to choose specific providers to compare prices, we have a page of the cheapest insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but ensure you are comparing the exact same coverages and limits for every quote you compare. If you use differing limits it will be very difficult to truly determine the lowest rate. Quoting even small variations in coverage limits may cause a big price difference. Just remember that comparing more company’s prices provides better odds of finding the best offered rates.

Discounts are basically free money

Car insurance can cost a lot, but companies offer discounts to help offset the cost. Most are applied when you get a quote, but lesser-known reductions have to be asked for prior to receiving the credit.

  • Claim Free – Claim-free drivers pay much less as compared to frequent claim filers.
  • Memberships – Being a member of a civic or occupational organization could qualify you for a break when buying insurance coverage on Grand Marquis insurance.
  • Multi-policy Discount – If you have multiple policies with one company you may earn at least 10% off all policies.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • College Student – Any of your kids who are attending college and do not have a car may be able to be covered for less.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Grand Marquis insurance than less cautious drivers.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will cut the cost of coverage.

Car insurance companies that may offer these discounts may include but are not limited to:

Double check with each insurance company which discounts you may be entitled to. Savings might not apply in your area.

Which insurance is the “right” coverage?

When choosing coverage for your personal vehicles, there is no single plan that fits everyone. Every situation is different.

For example, these questions can help discover whether or not you would benefit from professional advice.

  • Am I covered if I drive in a foreign country?
  • What is roadside assistance coverage?
  • What is the difference between comprehensive and collision coverage?
  • Am I missing any policy discounts?
  • Is my ex-spouse still covered by my policy?
  • Which companies will insure high-risk drivers?
  • Why is insurance for a teen driver so high?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Car insurance coverage specifics

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, colliding with a tree, driving through your garage door, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability auto insurance – This can cover damage that occurs to other people or property in an accident. It protects you from claims by other people, 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 liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like attorney fees, court costs, structural damage and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like hospital visits, chiropractic care, ambulance fees, doctor visits and EMT expenses. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2009 Mercury Grand Marquis.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive car insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, fire damage and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.