2000 Mercury Grand Marquis Car Insurance Cost

If shopping for auto insurance quotes online is new to you, you can easily be confused by the large number of insurance coverage companies all claiming to have the lowest rates.

Smart consumers take time to compare prices yearly because insurance coverage rates go up and down regularly. Just because you found the lowest premium rates for Grand Marquis coverage a couple years back the chances are good that you can find a lower price today. Forget all the misinformation about insurance coverage because it’s time to teach you the tricks you need to know to remove unneeded coverages and save money.

Cheap auto insurance rate quotes

Many insurance companies such as Geico, State Farm and Progressive give pricing directly from their websites. Obtaining pricing is fairly simple as you simply type in the coverages you want on the page. When the form is submitted, the company’s rating system requests reports for credit and driving violations and returns pricing information based on these and other factors.

Online quotes helps simplify price comparisons, but the process of having to visit several different sites and type in the same information is not the best way to spend an afternoon. But it’s very important to compare as many rates as possible if you are searching for the best price possible.

There is an easier way to compare rates

The easiest way to find lower prices uses one form that obtains quotes from many companies. This type of form saves time, helps eliminate reptitive entry, and makes online price comparison much easier. As soon as the form is sent, your coverage is rated and you can select your choice of the quotes that you receive. If a lower price is quoted, you simply finish the application and purchase the new policy. It can be completed in a matter of minutes and may save quite a bit of money.

To save time and compare rates using this form now, click here and fill out the form. If you have your current policy handy, we recommend you replicate your coverages as shown on your current policy. This ensures you will have comparison quotes based on identical coverages.

Insurance companies offer many types of discounts

Not too many consumers would say insurance is affordable, but you might find some hidden discounts that could drop your premiums quite a bit. Some trigger automatically at the time of quoting, but a few must be requested specifically prior to receiving the credit.

• Early Switch Discount – A few larger companies offer discounts for buying a new policy prior to your current policy expiration. The savings is around 10%.
• Waiver for an Accident – This one isn’t a discount, but companies like Geico, Allstate and Liberty Mutual may permit one accident without getting socked with a rate hike if you have no claims prior to being involved in the accident.
• Theft Prevention Discount – Cars equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
• Good Student Discount – Performing well in school may save as much as 25% on a auto insurance quote. Earning this discount can benefit you up until you turn 25.
• New Car Discount – Adding a new car to your policy can get you a discount compared to insuring an older model.
• Senior Citizens – Mature drivers are able to get a small discount on rates for Grand Marquis coverage.
• E-sign Discounts – A handful of insurance companies may give you up to $50 simply for signing on the web.

As a sidenote, some of the credits will not apply the the whole policy. Most only reduce specific coverage prices like comp or med pay. So despite the fact that it appears you could get a free insurance policy, you’re out of luck.

Popular insurance companies and some of the discounts are outlined below.

• Progressive policyholders can earn discounts including good student, online quote discount, multi-policy, homeowner, multi-vehicle, continuous coverage, and online signing.
• Geico includes discounts for multi-vehicle, good student, anti-lock brakes, anti-theft, driver training, and federal employee.
• State Farm may include discounts for passive restraint, good driver, defensive driving training, multiple policy, driver’s education, Steer Clear safe driver discount, and good student.
• Esurance offers discounts for emergency road assistance, online shopper, DriveSense, multi-car, online quote, Switch & Save, and anti-lock brakes.
• The Hartford discounts include bundle, anti-theft, vehicle fuel type, air bag, good student, driver training, and defensive driver.

Before purchasing a policy, check with each insurance company to apply every possible discount. Some credits might not be offered in your area. To view insurance companies offering insurance discounts, click here.

Do I just need basic coverages?

When it comes to choosing adequate coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions may help highlight whether your personal situation would benefit from an agent’s advice.

• Where can I find high-risk insurance?
• What are the financial responsibility laws in my state?
• Can I afford to buy a different vehicle if my 2000 Mercury Grand Marquis is totaled?
• Is my 2000 Mercury Grand Marquis covered for flood damage?
• Does insurance cover damages from a DUI accident?
• Who is covered when they drive my 2000 Mercury Grand Marquis?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Insurance policy coverages for a 2000 Mercury Grand Marquis

Learning about specific coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP reimburse you for bills like ambulance fees, nursing services and funeral costs. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverages – This coverage will pay to fix damage to your Grand Marquis from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like scraping a guard rail, sideswiping another vehicle, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, falling objects, hail damage and theft. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability – This will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as attorney fees, loss of income and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Mercury Grand Marquis.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.