1999 Mercury Grand Marquis Car Insurance Quotes – 5 Policy Discounts

No one anticipates paying for insurance, especially when they are aware that the cost is too high.

With vehicle owners having so many insurance companies to choose from, it is hard for the average consumer to choose a lower cost insurance provider.

Affordable insurance

To get low cost car insurance quotes, there a variety of ways to compare rate quotes from many available insurance companies in your state. By far the easiest way to lower the rate you pay for Mercury Grand Marquis insurance consists of obtaining rate quotes online. This can be accomplished in a couple minutes as outlined below.

• One of the simplest ways consumers can analyze rates is a comparison rater form like this one (opens in new window). This easy form prevents you from having to do multiple quote forms for each company you want a rate for. Just one form gets you price quotes from multiple companies.
• Another way to compare prices requires a trip to each company’s website to complete a price quote. For instance, we’ll assume you want to compare Farmers, 21st Century and State Farm. To find out each rate you need to go to each individual site and enter your policy data, which can get rather old. To view a list of companies in your area, click here.
• The least recommended method of getting rate comparisons is to waste gas driving to insurance agents’ offices. The fact that you can get quotes online reduces the need to sit down with an agent unless you require the professional guidance that only an agent can give. Although you can price shop your coverage online but buy from a local insurance agent.

Take whichever approach you prefer, but make sure you compare identical coverages and limits for each quote you get. If you use different data it will be impossible to get a fair rate comparison. Having just a slight variation in insurance coverages may result in large price differences. And when comparison shopping, comparing more rates from different companies helps you find the best offered rates.

Get lower rates with these five discounts

Properly insuring your vehicles can get expensive, but you may qualify for discounts that can help lower your rates. Many discounts should be triggered when you complete an application, but some may not be applied and must be inquired about before being credited.

• Discount for Passive Restraints – Factory air bags or motorized seat belts could see savings of 20 to 30 percent.
• No Claims – Good drivers with no accidents pay less as opposed to insureds who have frequent claims or accidents.
• Payment Method – By paying your entire bill at once rather than paying monthly you can actually save on your bill.
• Driver Education Discount – Cut your cost by having your teen driver enroll and complete driver’s education if it’s offered in school.
• Discounts for Cautious Drivers – Safe drivers can save up to 40% or more on their car insurance quote for Grand Marquis insurance compared to rates paid by drivers with frequent claims.

You should keep in mind that most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, you’re out of luck.

To see insurance companies with the best discounts, click here to view.

Insurance can be complex

When it comes to choosing coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions may help you determine if your situation may require specific advice.

• Why am I required to buy high-risk coverage?
• What is PIP insurance?
• Am I covered when driving in Canada or Mexico?
• Am I getting all the discounts available?
• What is the difference between comprehensive and collision coverage?
• Am I covered if I hit a deer?
• Where can I get insurance after a DUI in my state?
• Am I covered by my spouse’s policy after a separation?
• Is other people’s property covered if stolen from my vehicle?
• Do I have coverage for damage caused while driving under the influence?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Slick advertising tricks that work

Big name companies like Allstate, Geico and Progressive regularly use ads on TV and radio. They all seem to advertise the message that you’ll save big if you get a free car insurance quote and switch your policy. How does every insurance coverage company charge you less for car insurance? It’s all in the wording.

Many companies give the cheapest rates for the type of driver they prefer to insure. One example of a profitable risk profile may be between 30 and 50, has had continuous coverage, and drives less than 7,500 miles a year. A customer who matches those parameters receive the lowest rate quotes and will also save some money.

Insureds who don’t measure up to the requirements must pay a higher rate and the prospect going elsewhere. If you listen closely, the ads state “drivers who switch” but not “everyone who gets a quote” will save that much if they switch. That’s why companies can make those claims.

That is why it’s extremely important to quote coverage with many companies. It is impossible to predict which company will have the best car insurance rates.

Detailed coverages of your auto insurance policy

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average auto insurance policy.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for expenses such as doctor visits, dental work, chiropractic care, rehabilitation expenses and hospital visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses 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 doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Comprehensive auto coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as falling objects, damage from a tornado or hurricane, hitting a deer, hitting a bird and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

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

Collision coverage pays for claims like scraping a guard rail, sustaining damage from a pot hole, hitting a mailbox, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Liability coverage – This will cover damages or injuries you inflict on other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have 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 property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like legal defense fees, emergency aid, structural damage, attorney fees and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Affordable insurance is out there

As you quote car insurance, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where an insured cut collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.

A few companies may not have price quotes online and usually these regional carriers provide coverage only through independent agents. The cheapest 1999 Mercury Grand Marquis insurance is attainable from both online companies as well as from independent agents, so you need to compare both to get a complete price analysis.

Additional information is located on the following sites:

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)