Cheap 2008 Mercury Grand Marquis Insurance Rates

Trying to find the cheapest auto insurance rates for your Mercury Grand Marquis? Are you drained from scraping the payment together to buy auto insurance? You are no different than many other drivers. Many auto insurance companies compete for your business, and because of this it can be hard to compare insurance companies to discover the definitive lowest rate

If you are insured now or are looking for a new policy, you can follow these tips to reduce the price you pay and possibly find even better coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to know how to shop over the internet.

Free auto insurance price quotes

Getting a cheaper price on 2008 Mercury Grand Marquis insurance is surprisingly easy. All you need to do is invest a few minutes to compare rate quotes from online providers. This can easily be done using a couple different methods.

  1. Hands down the most simple method to get quotes is a comparison rater form click here to open form in new window. This easy form saves time by eliminating repetitive form entry for each company. One form gets prices estimates from all major companies.
  2. A more time consuming way to obtain and compare quotes online requires a visit to each company website to request a price quote. For sake of this example, let’s assume you want comparison quotes from Nationwide, Progressive and GEICO. To get rate quotes you would need to visit each site to enter the same coverage data repeatedly, which can get old fast.

    For a list of companies in your area, click here.

How you compare quotes is your choice, just do your best to use nearly identical coverage information for each comparison quote. If you use differing limits it will be very difficult to determine which company has the best rates.

Big names are not always cheapest

Consumers get pounded daily by advertisements that claim the lowest auto insurance rates from the likes of Allstate, GEICO and Progressive. They all seem to make the point about saving some big amount if you get a free auto insurance quote and switch to their company.

How does each company say the same thing? It’s all in the wording.

Companies quote the lowest rates for the type of driver that will add to their bottom line. One example of a preferred risk may be over the age of 50, owns their home, and drives a safe vehicle. Any new insured that hits that “sweet spot” will probably get the lowest premium rates and is almost guaranteed to save money with a new company.

Insureds who fall short of this stringent profile will be quoted higher prices which usually ends up with the customer buying from someone else. Company advertisements say “customers who switch” but not “everyone who gets a quote” save that much money. That is how insurance companies can confidently advertise the way they do. This illustrates why you need to compare quotes as often as possible. It’s just too difficult to predict the company that will give you lower prices than your current company.

Discount car insurance rates

Companies offering auto insurance don’t necessarily list every disount available very clearly, so here is a list both well-publicized as well as some of the hidden discounts you could be receiving when you buy auto insurance online.

  • Driver’s Education for Students – Have your child enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Telematics Devices – People who choose to allow driving data submission to study driving habits by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates as long as the data is positive.
  • New Car Discount – Insuring a new car can save up to 30% because newer models keep occupants safer.
  • Full Payment Discount – If you can afford to pay the entire bill as opposed to paying monthly you could save 5% or more.
  • Save with More Vehicles Insured – Purchasing coverage when you have multiple cars or trucks on one policy may reduce the rate for each vehicle.

As a sidenote, many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will positively reduce the cost of your policy.

A few companies that may include many of the previously listed discounts include:

If you need lower rates, check with each company to apply every possible discount. Some discounts listed above might not be offered in your state. If you would like to choose from a list of companies that have a full spectrum of discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered if hit by an uninsured driver?
  • Why do I need rental car insurance?
  • Why am I required to buy liability insurance?
  • Are split liability limits better than a combined single limit?
  • Are my friends covered when driving my 2008 Mercury Grand Marquis?
  • I don’t drive much so do I pay less?
  • Am I covered when driving in Canada or Mexico?
  • How much liability coverage do I need in my state?
  • Am I covered if I crash into my own garage door?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Auto insurance coverage information

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverage types offered by auto insurance companies.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills for ambulance fees, surgery and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for liability

This protects you from damage that occurs to other’s property or people. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as attorney fees, funeral expenses, medical expenses, emergency aid and medical services. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, damage from flooding, a broken windshield, hitting a bird and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2008 Mercury Grand Marquis.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, hitting a mailbox, colliding with a tree, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Have money to burn

We just showed you a lot of ways to save on 2008 Mercury Grand Marquis insurance. The key concept to understand is the more companies you get premium rates for, the better your comparison will be. Consumers may even find the best price on car insurance is with an unexpected company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. In many cases, an accident victim reduced comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

More detailed car insurance information is located in these articles: