2004 Mercury Grand Marquis Car Insurance Quotes – 7 Tricks for Best Rates

Nobody looks forward to paying for auto insurance, in particular when the prices are way too high.

Online insurance companies like Geico, Progressive and Allstate continually hit you with ad campaigns and consumers find it hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

If you are paying for car insurance now, you should be able to lower your premiums substantially using these tips. Finding the best rates is not rocket science. But car owners do need to know how the larger insurance companies market on the web and use this information to your advantage.

Cheaper rates with these seven discounts

Insurance is neither fun to buy or cheap, but there may be some discounts that you may not know about. Many discounts should be triggered at quote time, but some need to be requested specifically prior to getting the savings.

Save over 55 – Drivers that qualify as senior citizens can get better insurance rates on Grand Marquis insurance.
Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts may be able to save a few bucks on medical payment and PIP coverage.
Discount for New Cars – Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
Discount for Multiple Policies – If you can bundle your auto and home insurance with one insurance company you may earn at least 10 to 15 percent or more.
Multiple Cars – Having all your vehicles on one policy may reduce the rate for each vehicle.
Low Mileage – Low annual miles may allow you to get better insurancerates on cars that stay parked.
Passive Restraints and Air Bags – Factory options such as air bags or automatic seat belts could see savings of 25 to 30%.

Please keep in mind that most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. Just because it seems like you can get free auto insurance, insurance companies aren’t that generous. But any discount should help lower your policy premium.

Popular insurance companies and a partial list of their discounts are shown below.

21st Century policyholders can earn discounts including early bird, student driver, good student, defensive driver, automatic seat belts, and driver training.
State Farm discounts include Steer Clear safe driver discount, anti-theft, driver’s education, good driver, accident-free, safe vehicle, and multiple policy.
AAA offers discounts for multi-policy, multi-car, anti-theft, pay-in-full, good driver, and AAA membership discount.
Liberty Mutual may offer discounts for new move discount, preferred payment discount, multi-car, new graduate, and newly retired.
Progressive offers premium reductions for online signing, multi-policy, good student, continuous coverage, and homeowner.

When quoting, ask each company or agent the best way to save money. All car insurance discounts might not be available to policyholders in your state. For a list of insurance companies with the best insurance discounts, click here.

Auto insurance can be complex

When choosing the right insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that may help highlight if you will benefit from professional help.

Can I afford low physical damage deductibles?
Does coverage extend to Mexico or Canada?
When should my teen driver be added to my policy?
Do I need to file an SR-22 for a DUI in my state?
Am I covered when pulling a rental trailer?
Am I getting all the discounts available?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Save $494 a year. For real?

Well-known auto insurance companies like Progressive, Geico, Allstate and State Farm seem to constantly run ads on television and other media. All the ads advertise the message of big savings just by moving your policy. How do they all make almost identical claims? This is how they do it.

Different companies give the best rates for the type of customer that will most likely be profitable. For instance, a profitable insured may need to be between 25 and 40, has no driving citations, and drives newer vehicles. Someone who matches that profile receive the lowest rate quotes and have a good chance to save some money.

Potential customers who don’t measure up to those standards must pay higher premium rates and ends up with the customer buying from a different company. If you listen to the ad wording, they say “people who switch” not “everyone who quotes” can get the lowest rates when switching. That’s why insurance companies can make those statements.

This really emphasizes why you really need to get insurance quotes from several different companies. It’s impossible to know which company will be your best fit.

Car insurance coverage considerations

Learning about specific coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages offered by car insurance companies.

Liability coverages

Liability insurance can cover damage or injury you incur to other people or property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like legal defense fees, loss of income and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2004 Mercury Grand Marquis.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses such as EMT expenses, chiropractic care, funeral costs, surgery and pain medications. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Auto collision coverage

This coverage will pay to fix damage to your Grand Marquis caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, scraping a guard rail, colliding with another moving vehicle, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like falling objects, a broken windshield, hitting a bird and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

A penny saved is a penny earned

In this article, we presented a lot of ways to get a better price on 2004 Mercury Grand Marquis insurance. The most important thing to understand is the more you quote insurance, the higher the chance of saving money. You may even discover the best prices are with a small mutual company. Smaller companies may cover specific market segments cheaper compared to the large companies like State Farm, Geico and Nationwide.

Cost effective 2004 Mercury Grand Marquis insurance is available on the web and from local agencies, and you should be comparing both to have the best rate selection. Some car insurance companies don’t offer internet price quotes and usually these smaller providers prefer to sell through independent agents.