Cheap 2002 Mercury Grand Marquis Insurance Rates

Locating lower-cost car insurance may seem to be impossible for drivers who are beginners to quoting and online price comparisons. When there are so many insurers available, how are drivers expected to have a chance to compare every one to find lower car insurance premiums?

Discounts for affordable auto insurance quotes

Properly insuring your vehicles can get expensive, but you might find some hidden discounts to reduce the price significantly. Many of these discounts will be applied automatically at the time of quoting, but some may not be applied and must be specifically requested in order for you to get them.

  • Senior Citizen Rates – Drivers that qualify as senior citizens could receive better auto insurance rates on Grand Marquis coverage.
  • Paper-free Discount – A few larger online companies will discount your bill up to fifty bucks for completing your application on the internet.
  • Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Federal Government Employee – Active or former government employment may qualify for a discount when you quote insurance coverage on Grand Marquis coverage with select insurance companies.
  • Onboard Data Collection – People who choose to allow their auto insurance company to monitor where and when they drive by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as they are good drivers.
  • Driver Safety – Taking a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
  • Student Discounts – Performing well in school may save as much as 25% on a insurance coverage quote. The discount lasts up until you turn 25.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • College Student – Any of your kids who are enrolled in higher education away from home and do not take a car to college can be insured at a reduced rate.

It’s important to understand that many deductions do not apply the the whole policy. Most only apply to individual premiums such as collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, it doesn’t quite work that way.

A list of companies and a selection of discounts can be read below.

  • State Farm includes discounts for accident-free, anti-theft, multiple autos, passive restraint, student away at school, safe vehicle, and defensive driving training.
  • American Family may offer discounts for good student, multi-vehicle, air bags, defensive driver, and good driver.
  • AAA offers discounts including multi-policy, good driver, pay-in-full, education and occupation, multi-car, anti-theft, and AAA membership discount.
  • Geico has discounts for five-year accident-free, emergency military deployment, seat belt use, anti-lock brakes, good student, military active duty, and membership and employees.
  • Mercury Insurance may have discounts that include good driver, professional/association, annual mileage, anti-theft, age of vehicle, location of vehicle, and type of vehicle.
  • Farmers Insurance offers discounts for distant student, electronic funds transfer, good student, bundle discounts, and business and professional.
  • Progressive offers premium reductions for online signing, online quote discount, multi-vehicle, good student, continuous coverage, and homeowner.

When getting free insurance coverage quotes, it’s a good idea to every company which discounts you qualify for. Some credits may not apply in your state. To see a list of providers that can offer you the previously mentioned discounts, click this link.

How to compare free insurance quotes

Most major insurance companies such as State Farm, Allstate and Geico allow consumers to get coverage price quotes directly from their websites. Obtaining pricing is possible for anyone as you simply type in the coverages you want on the page. When the form is submitted, the quote system automatically retrieves credit information and your driving record and generates pricing information.

Online price estimates makes it easy to compare insurance prices but the work required to visit multiple sites and type in the same information is repetitive and time-consuming. But it’s necessary to have as many quotes as possible in order to find a better rate.

There is a better way!

The smarter way to find lower prices makes use of a single form that gets prices from many companies. The form is fast, requires much less work on your part, and makes online quotes much easier. Immediately after submitting the form, it is rated and you are able to buy your choice of the pricing results.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The entire process can be completed in less than 10 minutes and can result in significant savings.

To save time and find out if lower rates are available, click here and complete the simple form. If you have your current policy handy, we recommend that you enter the insurance coverages as shown on your current policy. This guarantees you will get rate quotes based on identical coverages.

You may need specialized car insurance coverage

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.

For example, these questions may help highlight whether you could use an agent’s help.

  • Can I rent a car in Mexico?
  • Am I covered if my car is in a flood?
  • Am I covered when driving someone else’s vehicle?
  • Does coverage extend to my business vehicle?
  • Do I need an umbrella policy?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered when pulling a rental trailer?
  • Which is better, split liability limits or combined limits?
  • Is there coverage for injuries to my pets?
  • Can I still get insurance after a DUI?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form.

Car insurance policy coverages for a 2002 Mercury Grand Marquis

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Mercury Grand Marquis.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Collision coverage – Collision insurance will pay to fix damage to your Grand Marquis resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, rolling your car, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as surgery, prosthetic devices, EMT expenses and hospital visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance – Liability coverage protects you from damage that occurs to other’s property or people that is your fault. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical expenses, pain and suffering and bail bonds. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Comprehensive coverages – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like a broken windshield, hail damage, damage from getting keyed, vandalism and damage from flooding. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Have the Midas touch

As you quote insurance coverage, never skimp on coverage in order to save money. In many cases, an insured dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal is to find the BEST coverage at the best price while not skimping on critical coverages.

Insureds change insurance companies for many reasons like not issuing a premium refund, high rates after DUI convictions, unfair underwriting practices or lack of trust in their agent. It doesn’t matter why you want to switch finding a new insurance company can be pretty painless.

A few companies may not provide internet price quotes regional insurance providers sell through independent agents. Cheap 2002 Mercury Grand Marquis insurance is available from both online companies as well as from insurance agents, so you should compare both to have the best selection.

Much more information about insurance can be read on the following sites: