Lower Your 1999 Mercury Grand Marquis Insurance Quotes

Want better insurance rates for your Mercury Grand Marquis? Scraping up a payment for overpriced Mercury Grand Marquis insurance can drain your personal savings and make it impossible to make ends meet. Comparison shopping is free and is an excellent way to help make ends meet.

Insurance companies such as State Farm, Allstate, Geico and Progressive all promote huge savings with ad campaigns and it is difficult to avoid their marketing magic and do the work needed to find the best deal.

You need to shop coverage around every six months due to the fact that insurance rates are variable and change quite frequently. Despite the fact that you may have had the lowest price for Grand Marquis coverage a couple years back a different company probably has better rates today. Block out anything you think you know about insurance because you’re about to learn one of the quickest ways to lower your rates without sacrificing coverage.

If you have car insurance now, you stand a good chance to be able to save some money using this information. Buying car insurance is not that difficult. Although drivers can benefit from knowing the methods companies use to market insurance on the web because it can help you find the best coverage.

The quickest method to compare car insurance rates is to know the trick car insurance companies will pay a fee to provide you with a free rate quote. To begin a comparison, all you need to do is take a few minutes to give details like what you do for a living, if it has an anti-theft system, if you have an active license, and if a SR-22 is needed. Your information is then sent to many of the top insurers and they return quotes with very little delay.

Are auto insurance companies telling the truth?

Companies like State Farm, Allstate and Geico constantly bombard you with ads on television and other media. All the ads say the same thing of big savings if you switch to them. How do they all say the same thing?

All companies can use profiling for the right customer they prefer to insure. A good example of a driver they prefer might be over the age of 50, is a homeowner, and has great credit. A driver who matches those parameters will qualify for the lowest rates and as a result will probably cut their rates substantially.

Consumers who fall outside this ideal profile will be quoted higher prices which leads to business going elsewhere. Company advertisements say “customers who switch” but not “drivers who get quotes” save money. That is how insurance companies can confidently advertise the savings. This emphasizes why it’s extremely important to get as many quotes as possible. It is impossible to predict which company will have the lowest Mercury Grand Marquis insurance rates.

Discounts are basically free money

Companies that sell car insurance don’t always list all their discounts very well, so the following is a list of both the well known as well as the least known savings tricks you should be using.

  • Save with a New Car – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Life Insurance – Select insurance companies reward you with better rates if you take out life insurance from them.
  • Organization Discounts – Being a member of a civic or occupational organization could qualify you for a break on your policy for Grand Marquis coverage.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Government Employees – Simply working for the federal government may qualify you for a discount for Grand Marquis coverage with certain companies.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a certain period of time.

It’s important to understand that most discounts do not apply to all coverage premiums. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

A partial list of companies that may offer some of the above discounts are:

Check with each company which discounts you may be entitled to. Some discounts might not apply in your area.

Which insurance is the “right” coverage?

When buying coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different so this has to be addressed. These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

  • Can I afford low physical damage deductibles?
  • When do I need to add a new car to my policy?
  • Can I drive in Mexico and have coverage?
  • Do I have coverage when making deliveries for my home business?
  • Can I afford to pay high deductible claims out of pocket?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Specific coverages for a 1999 Mercury Grand Marquis

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages available from auto insurance companies.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses like chiropractic care, doctor visits, nursing services, dental work and pain medications. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, hitting a deer and hail damage. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance will pay to fix damage to your Grand Marquis from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, crashing into a ditch, rolling your car, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Mercury Grand Marquis.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Auto liability

This coverage will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like pain and suffering, repair costs for stationary objects, attorney fees and medical services. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Quote more, save more

Affordable 1999 Mercury Grand Marquis insurance is attainable from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.

We’ve covered many ways to save on insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from the least-expected company. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm and Allstate.

To learn more, feel free to visit these articles: