1999 Mercury Grand Marquis Car Insurance Quotes – 5 Tips for Best Rates

Finding low cost premium rates on auto insurance can seem to be a challenge for people who are beginners to online price comparisons. Since there are so many companies in the marketplace, it can easily become a big hassle to find a more affordable company.

How much does auto insurance cost?

Most of the larger companies give prices for coverage from their websites. This process is quite simple because you just enter the coverages you want as detailed in the form. After you complete the form, their rating system collects reports for credit and driving violations and gives you a price quote determined by many factors.

Online price estimates simplifies rate comparisons, but the time it takes to visit a lot of sites and enter the same data into a form can be a bit repetitive. But it’s also necessary to get many rate quotes if you want to get the lowest possible prices on auto insurance.

A more efficient way to compare auto insurance pricing uses one simple form to obtain quotes from several different companies. This type of form saves time, requires much less work on your part, and makes online price comparison much more efficient. As soon as the form is sent, your coverage is rated and you can choose any or none of the quote results. If you find a better price you simply finish the application and buy the new coverage. The entire process just takes a couple of minutes and you will know how your current rates stack up.

To quickly fill out one form to compare multiple rates now, simply click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended that you enter the insurance coverages identical to your current policy. This makes sure you are getting a fair comparison based on the exact same insurance coverage.

Affordable insurance coverage rates with discounts

Some companies do not advertise the entire discount list in a way that’s easy to find, so the following list contains some of the more common and also the more inconspicuous discounts that may be available.

  • Accident Forgiveness – This isn’t a discount exactly, but companies like Libery Mutual, Geico and Allstate will let one accident slide without the usual rate increase so long as you haven’t had any claims for a particular time prior to the accident.
  • Lower Rates for Military – Being on active deployment in the military could qualify you for better premium rates.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Discounts for New Vehicles – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Discounts for Government Workers – Having worked for a branch of the government can save as much as 8% for Grand Marquis coverage depending on your insurance coverage provider.

Discounts save money, but please remember that some of the credits will not apply the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. So when it seems like you could get a free insurance coverage policy, you won’t be that lucky.

If you would like to view insurers who offer insurance coverage discounts, click here to view.

Tailor your car insurance coverage to you

When choosing adequate coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For instance, these questions could help you determine whether your personal situation might need professional guidance.

  • Is a blown tire covered by insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need more liability coverage?
  • Should I buy additional glass protection?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I pay less if my vehicle is kept in my garage?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.

Coverages available on your policy

Learning about specific coverages of insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like dental work, X-ray expenses and ambulance fees. They can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as theft, falling objects, hitting a bird and hail damage. The most you’ll receive from a claim 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.

Collision coverage protection

Collision insurance will pay to fix damage to your Grand Marquis resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, hitting a mailbox, crashing into a ditch, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Mercury Grand Marquis.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Liability coverages

This coverage provides protection from damage that occurs to a person or their property. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as repair bills for other people’s vehicles, funeral expenses, structural damage and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Power to the consumer

As you quote auto insurance, do not skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.

More affordable car insurance can be bought both online and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies do not offer online price quotes and these smaller companies provide coverage only through independent insurance agencies.

Drivers leave their current company for any number of reasons including delays in responding to claim requests, lack of trust in their agent, delays in paying claims or policy non-renewal. It doesn’t matter why you want to switch finding a great new company can be pretty painless.

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