Lower Your 2011 Mercury Grand Marquis Car Insurance Rates

Trying to find cheaper insurance rates for your Mercury Grand Marquis? Nobody that owns a car fancies paying their premiums for insurance, especially when they are aware that it costs too dang much.

Online insurance companies like Allstate, Progressive and GEICO promote their brand names with TV and radio ads and consumers find it hard to see through the deception and do the work needed to find the best deal.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Finding the best rates is not rocket science. But drivers can benefit from knowing how insurance companies sell insurance online because it can help you find the best coverage.

Find hidden discounts to get affordable car insurance rates

Some providers don’t necessarily list all disounts very well, so we break down some of the more common as well as some of the hidden credits available to you.

  • Include Life Insurance and Save – If the company offers life insurance, you could get better rates if you take out a life policy as well.
  • Safe Driver Discounts – Drivers without accidents could pay up to 40% less on Grand Marquis coverage compared to accident prone drivers.
  • Bundled Policy Discount – If you have multiple policies and insure them with the same company you may save as much as 10 to 15 percent.
  • Defensive Driving Course – Completing a defensive driver course could cut 5% off your bill if you qualify.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The discount lasts until age 25.
  • Accident Forgiveness – This one isn’t a discount, but companies like State Farm and Allstate permit an accident before raising your premiums if your claims history is clear prior to being involved in the accident.
  • Student Discount for Driver Training – Require your teen driver to successfully complete driver’s ed class in school or through a local driver safety program.
  • Discount for Low Mileage – Low mileage vehicles may allow you to get slightly better car insurancerates than normal.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and can earn a small discount on your policy.

Policy discounts save money, but many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. So even though you would think you could get a free car insurance policy, you’re out of luck.

Some companies who might offer these discounts include:

Before purchasing a policy, check with all companies you are considering which discounts you qualify for. Some discounts might not be available to policyholders in your area. To choose companies with discount rates, click here to view.

How to get free insurance quotes online

Performing a rate comparison can be a daunting task if you don’t utilize the best way to get rate quotes. You could spend the better part of a day driving to insurance companies in your area, or you can utilize the web to quickly compare rates.

Most of the best insurance companies take part in a program that allows shoppers to only type in their quote data once, and each company can give them a price determined by their information. This system prevents you from having to do quote forms for every insurance company.

To compare rates using this form now click to open in new window.

The single downside to using this type of system is you cannot specify which companies to get pricing from. So if you want to select from a list of companies to compare prices, we have assembled a list of low cost insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make sure you are using nearly identical coverages with each company. If you compare different liability limits it’s not possible to determine which company has the best rates. Even a minor difference in limits can make a big difference in price. And when comparing insurance rates, know that comparing more company’s prices gives you a better chance of getting more affordable rates. Not every company allows you to get prices over the internet, so it’s important to also get quotes from them as well.

Tailor your insurance coverage coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your situation may require specific advice.

  • Should I get collision insurance on every vehicle?
  • What companies insure drivers after a DUI or DWI?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered when driving in Canada or Mexico?
  • Does coverage extend to my business vehicle?
  • Is my teen driver covered when they drive my company car?
  • Am I better off with higher deductibles on my 2011 Mercury Grand Marquis?
  • Why am I required to buy liability insurance?
  • Does my car insurance cover rental cars?
  • What is covered by UM/UIM coverage?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Educate yourself about auto insurance coverages

Learning about specific coverages of auto insurance aids in choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types available from auto insurance companies.

Uninsured and underinsured coverage – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Mercury Grand Marquis.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision – Collision insurance covers damage to your Grand Marquis from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like rolling your car, backing into a parked car, colliding with another moving vehicle, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability coverages – This provides protection from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like court costs, funeral expenses, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments – Med pay and PIP coverage provide coverage for bills like surgery, pain medications, ambulance fees and doctor visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as vandalism, rock chips in glass, a broken windshield, damage from a tornado or hurricane and hitting a bird. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

In any little way, save everyday

Cheaper 2011 Mercury Grand Marquis insurance can be found from both online companies in addition to local insurance agencies, so get free insurance coverage quotes from both of them in order to have the best price selection to choose from. Some insurance providers may not have online price quotes and usually these smaller providers sell through local independent agencies.

As you shop your coverage around, never skimp on coverage in order to save money. Too many times, someone sacrificed full coverage and discovered at claim time that they should have had better coverage. Your objective should be to find the BEST coverage at the best price while still protecting your assets.

Additional information can be found below: