Save on 2000 Mercury Grand Marquis Car Insurance Quotes

Having to pay for overpriced insurance coverage can deplete your bank account and force you to tighten up your finances. Price shopping at each renewal can be a smart way to lower your monthly bill.

Popular companies such as Progressive, Geico and Farmers Insurance all claim big savings, bombarding you with TV and radio ads and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.

It’s important to compare rates once or twice a year because insurance coverage rates change quite often. Even if you think you had the lowest premium rates on Grand Marquis insurance at your last renewal there may be better deals available now. There is a lot of wrong information about insurance coverage on the web, but I’m going to show you the best ways to lower your insurance coverage bill.

If you have insurance now or need a new policy, you can use these techniques to find better prices while maximizing coverage. Finding the best rates is not rocket science. Vehicle owners just need to learn the proper way to shop their coverage around online.

Compare insurance rate quotes online

Most major insurance companies like State Farm, Geico and Progressive give prices from their websites. Obtaining pricing is quite simple as you simply enter your required coverages into the quote form. After the form is submitted, their system will order your driving record and credit report and returns a price quote. Online quotes makes it a lot easier to compare rates but having to visit many different websites and type in the same data gets old quite quickly. Unfortunately, it is important to perform this step if you want to find the best price possible.

A less time-consuming method to get multiple rate quotes is to use a quote form that gets prices from multiple companies. The form is fast, reduces the work, and makes rate comparisons much easier. As soon as the form is sent, your coverage is rated and you can choose any of the returned quotes. If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. It can be completed in less than 10 minutes and could lower your rates considerably.

To use this form to compare rates, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend that you enter the coverages as shown on your current policy. This way, you will have a price comparison using the same coverage and limits.

Cheaper car insurance rates with discounts

Car insurance is not inexpensive, but you may find discounts that many consumers don’t even know exist. Some discounts apply automatically at the time of quoting, but some must be inquired about prior to getting the savings.

• Government Employees – Employees or retirees of the government may reduce rates when you quote auto insurance on Grand Marquis insurance with a few car insurance companies.
• Driving Data Discount – Drivers who elect to allow data collection to track vehicle usage remotely such as Progressive’s Snapshot could see a rate decrease if they have good driving habits.
• Memberships – Participating in certain professional organizations could qualify you for a break when shopping for car insurance.
• Defensive Driving Course – Taking time to complete a course that instructs on driving safety is a good idea and can lower rates and easily pay for the cost of the class.
• Distant College Student Discount – Older children who are attending college without a vehicle on campus can be insured at a reduced rate.
• Safety Restraint Discount – Forcing all vehicle occupants to buckle their seat belts can save up to 15% off PIP or medical payments premium.
• No Accidents – Drivers with accident-free driving histories pay much less when compared with bad drivers.
• Early Signing – A few insurance companies give discounts for renewing your policy prior to the expiration date on your current policy. This discount can save up to 10%.

It’s important to understand that most discounts do not apply to the entire policy premium. Most cut individual premiums such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But any discount will definitely lower the cost of your policy.

Large car insurance companies and a summarized list of policyholder discounts are included below.

• State Farm may offer discounts for driver’s education, accident-free, good student, multiple policy, and anti-theft.
• Progressive offers discounts including online signing, online quote discount, continuous coverage, homeowner, good student, and multi-policy.
• Progressive offers premium reductions for continuous coverage, multi-policy, multi-vehicle, homeowner, online signing, online quote discount, and good student.
• MetLife may have discounts that include multi-policy, claim-free, accident-free, defensive driver, and good student.
• Farm Bureau offers discounts for driver training, good student, multi-policy, 55 and retired, safe driver, youthful driver, and multi-vehicle.
• Geico policyholders can earn discounts including defensive driver, anti-theft, daytime running lights, seat belt use, emergency military deployment, air bags, and military active duty.
• SAFECO may include discounts for safe driver, anti-lock brakes, bundle discounts, homeowner, and multi-car.

Before buying, ask every insurance company how you can save money. Discounts may not apply to policies in your area. For a list of companies that offer many of these discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover whether you might need professional guidance.

• Is there coverage for injuries to my pets?
• What can I do if my company won’t pay a claim?
• What is an SR-22 filing?
• Is my ex-spouse still covered by my policy?
• Do I need motorclub coverage?
• Am I covered when pulling a rental trailer?
• Am I covered when driving a rental car?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Parts of your insurance policy

Having a good grasp of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2000 Mercury Grand Marquis.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability

Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has 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 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as medical expenses, emergency aid, pain and suffering, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage reimburse you for bills for rehabilitation expenses, X-ray expenses, surgery and pain medications. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Collision coverage

Collision coverage pays for damage to your Grand Marquis resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hail damage, a broken windshield and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Shop smart and save

When shopping online for insurance, do not skimp on coverage in order to save money. In many instances, consumers will sacrifice full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.

We just covered quite a bit of information on how to reduce 2000 Mercury Grand Marquis insurance prices online. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the most savings is with a small mutual company. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm, Geico and Nationwide.

More affordable insurance is definitely available from both online companies and from local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers may not have online price quotes and many times these regional carriers sell through independent insurance agencies.

More resources

• Side Impact Crash Tests (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• Understanding your Policy (NAIC.org)
• Credit Impacts Car Insurance Rates (State Farm)