View 2010 Mercury Grand Marquis Insurance Rates

Trying to find cheaper car insurance rates for your Mercury Grand Marquis? Nobody enjoys paying for car insurance, especially when they are aware that they are paying too much.

There are many insurers to pick from, and though it is a good thing to have a choice, more choices can make it harder to compare rates.

Choosing the best insurance company for you is not that difficult. Essentially every vehicle owner who carries insurance coverage will most likely be able to cut their insurance bill. Nevertheless, vehicle owners should learn how big insurance companies market on the web.

More discounts mean lower-cost premiums

Companies that sell car insurance don’t list their entire list of discounts very well, so the list below details both well-publicized and also the more inconspicuous discounts that may be available. If you are not receiving all the discounts you qualify for, you are not getting the best rate possible.

• Senior Citizens – Drivers that qualify as senior citizens can possibly qualify for a small decrease in premiums for Grand Marquis insurance.
• Sign Early and Save – Some insurance companies reward drivers for buying a policy early. The savings is around 10%.
• Discount for Life Insurance – Some car insurance companies give lower car insurancerates if you buy some life insurance in addition to your auto policy.
• Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Buy New and Save – Adding a new car to your policy can get you a discount because newer models are generally safer.
• Policy Bundle Discount – If you have multiple policies with the same insurance company you could save at least 10% off all policies.
• Military Discounts – Being deployed in the military could be rewarded with lower car insurance rates.

It’s important to understand that some of the credits will not apply to the entire cost. Most only cut specific coverage prices like comprehensive or collision. So despite the fact that it appears you could get a free car insurance policy, it just doesn’t work that way.

To see companies who offer free car insurance quotes, click here to view.

It’s not one size fits all

When choosing the best auto insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help you determine whether you would benefit from professional advice.

• Does insurance cover damages from a DUI accident?
• What is covered by UM/UIM coverage?
• What is medical payments coverage?
• Do I need added coverage for expensive stereo equipment?
• What can I do if my company won’t pay a claim?
• Should I buy more coverage than the required minimum liability coverage?
• How much can I save by bundling my policies?
• What exactly is covered by my policy?
• Should I buy full coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Auto insurance coverage breakdown

Understanding the coverages of your auto insurance policy helps when choosing the right coverages for your vehicles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average auto insurance policy.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, falling objects, hail damage, damage from flooding and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

Liability insurance will cover injuries or damage you cause to other’s property or people. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as attorney fees, legal defense fees, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2010 Mercury Grand Marquis.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for bills such as dental work, chiropractic care, hospital visits, rehabilitation expenses and nursing services. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance covers damage to your Grand Marquis resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, rolling your car and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

More quotes. Lower rates.

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. There have been many cases where an accident victim reduced comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at the best cost.

You just learned many ways to reduce 2010 Mercury Grand Marquis insurance premium rates online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even find the lowest premium rates come from the smaller companies. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

For more information, feel free to visit the resources below:

• Medical Payments Coverage (Liberty Mutual)
• Booster Seat Ratings (iihs.org)
• Teen Driving Statistics (iihs.org)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Think You’re a Safe Driver? (State Farm)