2001 Mercury Grand Marquis Insurance Rates – 9 Ideas for Best Quotes

Trying to find the cheapest insurance rates? Buyers have many options when searching for affordable Mercury Grand Marquis insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to compare rates. There is a right way and a wrong way to shop for insurance so we’re going to tell you the best way to price shop coverage on a Mercury and obtain the lowest possible price.

How to get insurance rate quotes

There are several ways to compare insurance quotes, but there is one way that is easier and takes less work. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could save time and use online quotes to get the quickest rates.

Most car insurance companies belong to an insurance system where insurance shoppers enter their coverage request one time, and each participating company then gives them pricing. This saves time by eliminating quotation requests for each company you want a rate for.

To participate in this free quote system, click here to start a free quote.

One minor caviat to comparing rates this way is that consumers can’t choose which carriers you want pricing from. If you wish to select specific insurance companies to request quotes from, we have a page of the cheapest insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just be sure to compare the same coverage limits and deductibles for each quote you get. If you use different limits and deductibles on each one you will not be able to determine the best price for your Mercury Grand Marquis.

Get lower rates with these nine discounts

Insurance can be prohibitively expensive, but there are discounts available to help offset the cost. A few discounts will automatically apply when you complete an application, but some need to be specifically requested in order for you to get them.

  • Bundled Policy Discount – When you have multiple policies and insure them both with the same insurance company you may earn at least 10% off all policies.
  • Discount for Life Insurance – Some insurance companies give lower premium rates if you buy a life insurance policy as well.
  • Accident Forgiveness – Not really a discount, but a few companies such as Progressive, State Farm and Geico permit an accident without the usual rate increase with the catch being you have to be claim-free for a certain period of time.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings as much as 30%.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Homeowners Savings – Being a homeowner may trigger a policy discount on insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower insurance rates.
  • Discounts for New Vehicles – Insuring a vehicle that is new can save up to 30% since new model year vehicles are generally safer.
  • Membership in Organizations – Participating in certain professional organizations could qualify you for a break on insurance.

It’s important to understand that some credits don’t apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

To choose insurance companies that have a full spectrum of discounts, click here to view.

Insurance coverage can be complex

When it comes to buying proper insurance coverage, there really is no one size fits all plan. Each situation is unique.

For instance, these questions might help in determining whether you might need professional guidance.

  • When should I remove comp and collision on my 2001 Mercury Grand Marquis?
  • Does car insurance cover theft of personal property?
  • Can I afford to pay high deductible claims out of pocket?
  • How much liability do I need to cover my assets?
  • Is my nanny covered when driving my vehicle?
  • When do I need to add a new car to my policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • How many claims can I have before being cancelled?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance advertising gotchas

Drivers constantly see and hear ads that claim the lowest car insurance rates from companies such as State Farm and Allstate. All the ads say the same thing that you can save just by switching your auto insurance coverage to their company.

How can each company offer you a better deal? It’s all in the words they use.

Insurance providers have an ideal profile for the type of driver that makes them money. One example of a desirable risk might be between the ages of 30 and 45, has few claims, and drives less than 5,000 miles a year. Any customer who matches those parameters will probably get cheap car insurance rates and will save money with a new company.

Drivers who fall outside these criteria may be required to pay higher premium rates and the customer buying from someone else. If you pay attention, the ads say “drivers that switch” not “all people who quote” save that much money. That’s the way insurance companies can make those statements. Because every company is different, it’s extremely important to compare as many free car insurance quotes as you can. It is just not possible to predict the company that will fit your personal profile best.

Coverages available on your insurance policy

Knowing the specifics of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like pain medications, EMT expenses and chiropractic care. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision insurance

This pays for damage to your Grand Marquis from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like sustaining damage from a pot hole, hitting a mailbox, hitting a parking meter, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, falling objects, hail damage and vandalism. The maximum amount a insurance company will pay at claim time 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.

Liability car insurance

Liability insurance will cover damage that occurs to people or other property by causing an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like bail bonds, structural damage, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, 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.

Be a smart shopper

When getting car insurance quotes online, do not skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice liability coverage limits and found out when filing a claim that the savings was not a smart move. Your focus should be to find the BEST coverage at a price you can afford, but do not skimp to save money.

We’ve covered a lot of techniques to get a better price on 2001 Mercury Grand Marquis insurance. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the best prices are with some of the smallest insurance companies.

People change insurance companies for a number of reasons such as poor customer service, extreme rates for teen drivers, policy non-renewal or high prices. It doesn’t matter why you want to switch switching car insurance companies can be easier than you think.

More detailed car insurance information can be found by following these links: