2010 Mercury Grand Marquis Insurance Quotes

Cutting costs on insurance coverage is always a challenge for beginners to comparison shopping online. People have so many options that it can be a real challenge to locate the lowest price.

You should make it a habit to price shop coverage once or twice a year because prices change frequently. Even if you think you had the best price for Grand Marquis insurance two years ago a different company probably has better rates today. So just ignore everything you know about insurance coverage because you’re going to get a crash course in how to use the internet to lower your annual insurance bill.

This article will introduce you to the most effective way to quote insurance. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. But consumers must learn the way insurance companies determine prices and apply this information to your search.

Automobile Insurance Quotes

To find the best insurance prices, there are several ways to compare rate quotes from local insurance companies. The easiest way to compare 2010 Mercury Grand Marquis insurance prices consists of shopping online. This can be done in several different ways.

  1. The most efficient way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do separate forms for every insurance company. One form submission will get you rate comparisons instantly. This is perfect if you don’t have a lot of time.
  2. A more time consuming way to get comparison quotes is to manually visit each company website to complete a price quote. For instance, we’ll pretend you want to compare rates from Farmers, Safeco and Geico. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least recommended method to get comparison rates is to waste gas driving to local insurance agencies. The internet makes this process obsolete unless you want the professional guidance of a licensed agent. You can, however, get the lowest quotes online but still have the advice of a local agent and we’ll cover that in a bit.

It’s up to you how you get prices quotes, just make sure you use identical coverages and limits for each comparison quote. If you compare higher or lower deductibles you can’t possibly find the best deal for your Mercury Grand Marquis. Having just a slight variation in insurance coverages could mean much higher rates. Just keep in mind that more quotes helps locate the best price.

Cut your premium with discounts

Insurance can be prohibitively expensive, but you may find discounts that you may not even be aware of. Larger premium reductions will be automatically applied at quote time, but some must be requested specifically before being credited.

  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • New Car Discount – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% for Grand Marquis insurance with select insurance companies.
  • Accident Free – Drivers who don’t have accidents pay much less when compared with bad drivers.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce specific coverage prices like liability and collision coverage. Just because you may think you can get free auto insurance, insurance coverage companies aren’t that generous. Any amount of discount will help reduce the amount you have to pay.

A partial list of companies who might offer these discounts are:

Check with all companies you are considering what discounts are available to you. Discounts might not apply in your state.

Mercury Grand Marquis insurance premiums are calculated by many factors

Consumers need to have an understanding of the different types of things that go into determining your auto insurance rates. Knowing what impacts premium levels helps enable you to make changes that will entitle you to big savings.

Listed below are some of the items that factor into prices.

  • What are your deductibles? – Physical damage deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims would be running into the backend of another car, vandalism, or theft. The more you’re willing to pay, the lower your rates will be for Grand Marquis insurance.
  • Don’t get talked into coverage you don’t need – There are a ton of extra bells and whistles you can purchase on your Grand Marquis policy. Things like rental car reimbursement, better glass coverage and additional equipment coverage may be wasting your money. These may sound like a good investment initially, but now you might not need them so remove them from your policy.
  • One company can mean more discounts – Most companies will award you with lower prices to insureds who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to comparison shop to confirm you are receiving the best rates possible.
  • Do you have a high stress job? – Did you know your occupation can influence how much you pay for auto insurance? Occupations like doctors, business owners and accountants have higher rates than average due to stressful work requirements and long work days. On the flip side, professions such as actors, athletes and homemakers get better rates for Grand Marquis insurance.
  • Small claims can cost you – Car insurance companies give lower rates to people who file claims infrequently. If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Car insurance is designed for the large, substantial claims.

What is the best insurance coverage?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Each situation is unique.

For example, these questions can help discover whether your personal situation might need an agent’s assistance.

  • How does medical payments coverage work?
  • What is the difference between comprehensive and collision coverage?
  • Are rental cars covered under my policy?
  • What can I do if my company denied a claim?
  • Can I afford to buy a different vehicle if my 2010 Mercury Grand Marquis is totaled?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need rental car coverage?
  • Am I covered if I wreck a rental car?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form.

Do you really save 40% when you switch?

Companies like 21st Century, Allstate and State Farm continually stream television and radio advertisements. All the ads make the same claim that you can save after switching your policy. How do they all say the same thing?

Insurance companies can use profiling for the driver that is profitable for them. For instance, a profitable customer could be between 30 and 50, has no tickets, and has a short commute. A customer that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save when switching.

Drivers who don’t measure up to these standards will be quoted higher rates and ends up with business going elsewhere. The ads say “customers who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can truthfully make those claims.

This emphasizes why it’s extremely important to get quotes from several different companies. It’s impossible to know the company that will have the lowest Mercury Grand Marquis insurance rates.

Specific coverage details

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Auto collision coverage

This coverage pays for damage to your Grand Marquis from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like scraping a guard rail, driving through your garage door, crashing into a ditch, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like doctor visits, chiropractic care, X-ray expenses, dental work and EMT expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Mercury Grand Marquis.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually these limits do not exceed the liability coverage limits.

Auto liability

Liability insurance will cover injuries or damage you cause to other people or property. It 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 commonly see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as medical services, funeral expenses and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, rock chips in glass, theft, hitting a deer and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Buy Smart and Save

As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed collision coverage to discover at claim time that the savings was not a smart move. The aim is to buy enough coverage for the lowest price.

You just learned many tips how you can reduce 2010 Mercury Grand Marquis insurance prices online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may be surprised to find that the best prices are with some of the smallest insurance companies.

Budget-conscious insurance is possible on the web as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.

To read more, feel free to browse these articles: