Cheap 2006 Mercury Grand Marquis Insurance Rates

Are you baffled by the number of auto insurance choices? Many other drivers are as well. people have so many options that it can really be a real hassle to find the best rates.

Auto Insurance Discounts

Auto insurance is not an enjoyable expense, but there are discounts available that may help make it more affordable. Many discounts should be triggered at the time of purchase, but once in a while a discount must be specially asked for before you get the savings.

  • Discounts for New Vehicles – Buying a new car instead of a used car is cheaper because new vehicles are generally safer.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on Grand Marquis coverage depending on your auto insurance provider.
  • Telematics Data Discounts – People who choose to allow driving data collection to monitor vehicle usage by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they exhibit good driving behavior.
  • Theft Deterent System – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently and will save you 10% or more.
  • Good Grades Discount – A discount for being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
  • Anti-lock Brake Discount – Vehicles with ABS and/or traction control can stop better under adverse conditions and will save you 10% or more.
  • Low Mileage Discounts – Maintaining low annual mileage can earn cheaper prices.

A little disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, you won’t be that lucky.

The best auto insurance companies and some of the discounts are:

  • Travelers has savings for continuous insurance, hybrid/electric vehicle, multi-car, new car, and student away at school.
  • 21st Century may include discounts for automatic seat belts, homeowners, 55 and older, good student, anti-lock brakes, theft prevention, and teen driver.
  • State Farm includes discounts for safe vehicle, good driver, accident-free, passive restraint, multiple policy, and Drive Safe & Save.
  • GEICO may offer discounts for five-year accident-free, military active duty, anti-lock brakes, federal employee, membership and employees, and multi-policy.
  • SAFECO has discounts for anti-theft, drive less, homeowner, multi-car, and bundle discounts.
  • AAA policyholders can earn discounts including anti-theft, AAA membership discount, pay-in-full, multi-car, good student, and multi-policy.

Before buying, ask all the companies which discounts they offer. Some credits may not be offered in your area. To see companies with the best discounts, click here to view.

Compare insurance rates

To find cheap rates, there are a couple of ways of comparing price quotes from insurance companies in your area. The quickest method to find the lowest 2006 Mercury Grand Marquis rates is to get quotes online. This can be accomplished in a couple minutes as outlined below.

  • The easiest and least time consuming way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This type of form saves time by eliminating separate quotes for each company you want a rate for. One form submission gets rate comparisons from multiple low-cost companies. Just one form and you’re done.
  • A more time consuming way to find better pricing is to take the time to go to each individual company website and get a separate price quote. For sake of this example, let’s say you are doing a rate comparison from Auto-Owners, Liberty Mutual and Farmers. To get each rate you have to take the time to go to each site and enter your information, which can get rather old. For a list of links to insurance companies in your area, click here.
  • The old school way to shop rates is calling or driving to and from local insurance agencies. Comparing online rate quotes eliminates this option unless you have a need for the professional assistance that can only be provided by a licensed insurance agent. Although you can price shop your coverage online but have a local agent actually write the policy.

However you get your quotes, make sure you use exactly the same quote information for each quote you get. If you enter different data you will not be able to determine which company has the best rates. Quoting even small variations in coverages may result in large price differences. Just remember that more quotes gives you a better chance of getting more affordable insurance. Some smaller insurers to not give rate quotes online, so you need to compare price estimates from the smaller companies as well.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different.

For instance, these questions might help in determining whether or not you would benefit from professional advice.

  • Is my 2006 Mercury Grand Marquis covered for smoke damage?
  • Does car insurance cover theft of personal property?
  • Is a blown tire covered by insurance?
  • Why do I only qualify for high-risk insurance?
  • How much liability do I need to cover my assets?
  • When should I buy a commercial auto policy?
  • Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Parts of your car insurance policy

Having a good grasp of a car insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on people or other property. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like repair costs for stationary objects, attorney fees and court costs. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Coverage for collisions

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

Collision coverage protects against claims such as crashing into a building, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a bird, hail damage, a broken windshield and hitting a deer. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills for things like dental work, rehabilitation expenses, nursing services, doctor visits and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Final thoughts

In this article, we presented quite a bit of information on how to save on 2006 Mercury Grand Marquis insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding the cheapest insurance. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising.

As you quote insurance, it’s a bad idea to reduce coverage to reduce premium. In many cases, someone sacrificed full coverage and discovered at claim time that they should have had better coverage. Your focus should be to purchase plenty of coverage at the best price but still have enough coverage for asset protection.

Lower-priced 2006 Mercury Grand Marquis insurance is possible from both online companies in addition to many insurance agents, so get free insurance quotes from both of them to have the best rate selection. Some companies may not have online rate quotes and these smaller companies work with local independent agents.

Additional detailed information can be read by following these links: