2007 Mercury Grand Marquis Insurance Quotes – 10 Ways to Save

Feel like you have overpriced insurance? It’s quite common and there are many drivers thinking the same thing. Multiple car insurance companies compete to insure your vehicles, and because of this it can be hard to compare auto insurance companies and get the definite lowest rate

It’s a good habit to compare rates before your policy renews since prices fluctuate regularly. Just because you had the lowest rates on Grand Marquis insurance six months ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about insurance because we’re going to demonstrate the fastest way to get good coverage at a lower rate.

If you have a current car insurance policy or are looking for a new policy, you can use these techniques to cut your premiums while maximizing coverage. Finding affordable coverage is not that difficult. Drivers just need to know the best way to buy car insurance online.

How to compare auto insurance rate quotes

Reducing your 2007 Mercury Grand Marquis insurance rates is an easy way to save money. You just need to spend a little time comparing price quotes to find. You can get a good selection of rate quotes by following the guidelines below.

  1. Hands down the most simple method to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This quick form eliminates the need for repetitive form submissions to each individual auto insurance company. A single, simple form gets you coverage quotes from many national carriers.
  2. A less efficient way to get comparison quotes requires you to visit the website for each individual company and complete a new quote form. For instance, let’s say you want rates from Liberty Mutual, GEICO and Travelers. To get rate quotes you would need to spend time on each company’s site and type in your information over and over, which can get old fast. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but ensure you’re using equivalent coverages and limits for each comparison quote. If you compare unequal deductibles or liability limits then you won’t be able to get a fair rate comparison.

Take these ten policy discounts and save

Insurance can cost an arm and a leg, but you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be inquired about in order for you to get them. If you do not double check each discount you deserve, you could be saving more on your auto insurance.

  • Senior Citizens – Seniors may receive a small discount on rates on Grand Marquis insurance.
  • Driver Safety – Participating in a course that instructs on driving safety can save you 5% or more and easily recoup the cost of the course.
  • Passenger Safety Discount – Cars that have air bags or motorized seat belts could see savings of 20% or more.
  • Buy New and Save – Adding a new car to your policy can save up to 30% due to better safety requirements for new model year vehicles.
  • Good Student – This discount can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Military Deployment Discount – Having a deployed family member may qualify for rate reductions.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
  • Distant Student Discount – Any of your kids who live away from home at college without a vehicle on campus may be able to be covered for less.
  • Student Driver Training – Cut your cost by having your teen driver enroll and complete driver’s education in school.
  • Responsible Driver Discount – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote on Grand Marquis insurance than their less cautious counterparts.

It’s important to understand that many deductions do not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like you can get free auto insurance, auto insurance companies aren’t that generous.

A few companies that may offer most of these discounts possibly include:

Before purchasing a policy, check with every prospective company the best way to save money. Some discounts might not be offered on policies in your area.

Which policy gives me the best coverage?

When it comes to buying adequate coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions might point out whether you would benefit from professional advice.

  • Does having multiple vehicles earn me a discount?
  • Can I rate high risk drivers on liability-only vehicles?
  • Exactly who is provided coverage by my policy?
  • Why is insurance for a teen driver so high?
  • Am I covered when driving a rental car?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered when driving in Canada or Mexico?
  • What is an SR-22 filing?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Specific coverage details

Knowing the specifics of insurance can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Collision coverage – Collision insurance covers damage to your Grand Marquis from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, sideswiping another vehicle, crashing into a ditch, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive insurance – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, hitting a bird and damage from a tornado or hurricane. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability coverage provides protection from damages or injuries you inflict on a person or their property. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as medical services, funeral expenses, pain and suffering, medical expenses and structural damage. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as prosthetic devices, surgery, nursing services and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Mercury Grand Marquis.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.