2008 Mercury Grand Marquis Car Insurance Cost – 6 Policy Discounts

Drivers have lots of choices when trying to find the lowest priced Mercury Grand Marquis insurance. They can either spend hours contacting agents getting price quotes or save time using the internet to compare rates.

There are both good and bad ways to find insurance online and you need to know the quickest way to get price quotes on a Mercury and locate the lowest price either online or from local insurance agents.

This article will tell you how to get online quotes and some tips to save money. If you currently have a car insurance policy, you should be able to lower your premiums substantially using these techniques. Drivers just need to understand how to shop their coverage around online.

Cheap auto insurance quotes with discounts

Car insurance can cost a lot, but there are discounts available that you may not know about. Some discounts apply automatically when you purchase, but some may not be applied and must be specially asked for before being credited.

• Good Students Pay Less – Getting good grades may save you up to 25%. The discount lasts well after school through age 25.
• Driver Safety – Completing a course teaching defensive driver skills is a good idea and can lower rates and easily pay for the cost of the class.
• Distant Student – College-age children who attend college more than 100 miles from home and do not take a car to college may qualify for this discount.
• Telematics Discount – People who choose to allow their company to scrutinize vehicle usage by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks as long as the data is positive.
• Clubs and Organizations – Participating in a qualifying organization is a simple method to lower premiums when shopping for auto insurance.
• Life Insurance Discount – If the company offers life insurance, you could get a break if you buy auto and life insurance together.

Consumers should know that most credits do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, auto insurance companies aren’t that generous. Any amount of discount will lower your auto insurance premiums.

Large auto insurance companies and their possible discounts include:

• Geico may have discounts that include federal employee, multi-policy, emergency military deployment, membership and employees, military active duty, and anti-lock brakes.
• MetLife policyholders can earn discounts including defensive driver, good student, claim-free, accident-free, good driver, and multi-policy.
• State Farm has discounts for anti-theft, safe vehicle, passive restraint, Drive Safe & Save, accident-free, student away at school, and Steer Clear safe driver discount.
• Progressive offers discounts including good student, multi-vehicle, online signing, homeowner, multi-policy, and online quote discount.
• Mercury Insurance has savings for good student, annual mileage, location of vehicle, multi-car, and type of vehicle.
• 21st Century offers premium reductions for automatic seat belts, anti-lock brakes, defensive driver, early bird, student driver, air bags, and theft prevention.
• Allstate includes discounts for multi-policy, resident student, auto/life discount, new car, and early signing.

When getting free insurance quotes, it’s a good idea to every company to apply every possible discount. All car insurance discounts may not be available in your area. If you would like to view insurers with the best discounts, click here.

Compare insurance rates

There are a lot of ways you can shop for insurance and some are less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with agents in your area, or you can utilize the web to get rates in a matter of minutes.

The majority of car insurance companies belong to a marketplace that enables customers to submit one quote, and each company then gives them pricing based on that information. This eliminates the need for repetitive form submissions for each company you want a rate for. To compare rates now click here to open in new window.

The single downside to doing it this way is you are unable to specify which providers you want to price. If you prefer to choose specific insurance companies to request quotes from, we have assembled a list of insurance companies in your area. Click here to view list.

It’s up to you which method you use, but be certain you are entering identical information for every quote you compare. If the quotes have different limits and deductibles on each one you will not be able to make a fair rate comparison.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether you would benefit from professional advice.

• Do all my vehicles need collision coverage?
• Why does it cost so much to insure a teen driver?
• Does medical payments coverage apply to all occupants?
• Is my cargo covered for damage or theft?
• When do I need to add a new car to my policy?
• Does my 2008 Mercury Grand Marquis need full coverage?
• Will I be non-renewed for getting a DUI or other conviction?
• I have good health insurance, so how much medical payments coverage do I need?
• Do I need medical payments coverage since I have good health insurance?
• Do I have coverage when making deliveries for my home business?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Auto insurance coverages

Learning about specific coverages of your policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Mercury Grand Marquis.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits do not exceed the liability coverage limits.

Collision – This coverage covers damage to your Grand Marquis from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, crashing into a ditch, sideswiping another vehicle, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Liability coverage – This can cover damages or injuries you inflict on a person or their property in an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like repair bills for other people’s vehicles, structural damage and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like rock chips in glass, hitting a bird, damage from getting keyed and hail damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for short-term medical expenses such as surgery, prosthetic devices, doctor visits, hospital visits and pain medications. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Be Smart and Buy Smart

Consumers switch companies for any number of reasons including lack of trust in their agent, policy non-renewal, unfair underwriting practices and being labeled a high risk driver. It doesn’t matter why you want to switch finding a new company is actually quite simple.

As you restructure your insurance plan, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where an accident victim reduced collision coverage to discover at claim time they didn’t have enough coverage. Your goal is to buy a smart amount of coverage at the best cost but still have enough coverage for asset protection.

You just read a lot of techniques to reduce 2008 Mercury Grand Marquis insurance car insurance rates online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a lesser-known regional company.

More information can be read at these links:

• Rental Reimbursement Coverage (Allstate)
• Collision Coverage (Liberty Mutual)
• Auto Insurance Basics (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• How to Avoid Common Accidents (State Farm)