Lower Your 2011 Mercury Grand Marquis Insurance Quotes

Scraping up a payment for pricey Mercury Grand Marquis insurance can drain your savings account, especially in this economy. Comparing cost estimates can save money and help to make ends meet.

Multiple insurers compete to insure your vehicles, and because of this it can be hard to compare auto insurance companies to discover the definitive best price available.

If you currently have car insurance, you will be able to reduce your rates substantially using these techniques. Finding affordable coverage is not that difficult. But consumers need to learn how big insurance companies price online insurance and apply this information to your search.

Discounts to earn affordable auto insurance rates

Companies offering auto insurance do not list all possible discounts in a way that’s easy to find, so the list below gives a summary of both the well known and the more hidden discounts that may be available.

  • Pay Upfront and Save – If paying your policy premium upfront rather than paying in monthly installments you could save up to 5%.
  • Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiration. You may see this discount when you get insurance coverage quotes online.
  • Anti-theft Discount – Cars and trucks with anti-theft systems have a lower chance of being stolen and will qualify for a discount on a insurance coverage quote.
  • Drive Safe and Save – Drivers who don’t get into accidents could pay up to 40% less for Grand Marquis insurance than drivers with accidents.
  • Defensive Driving Course – Participating in a defensive driver course could possibly earn you a 5% discount if you qualify.

A little disclaimer on discounts, many deductions do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A few of the larger companies and some of the discounts are shown below.

  • Geico includes discounts for daytime running lights, defensive driver, military active duty, good student, federal employee, and seat belt use.
  • USAA policyholders can earn discounts including multi-vehicle, loyalty savings, annual mileage, vehicle storage, military installation, family discount, and driver training.
  • Progressive may include discounts for multi-policy, homeowner, continuous coverage, multi-vehicle, and online quote discount.
  • American Family may have discounts that include Steer into Savings, defensive driver, mySafetyValet, good student, multi-vehicle, and early bird.
  • Esurance offers discounts including paid-in-full, Switch & Save, good student, anti-theft, online shopper, claim free, and DriveSense.
  • Farmers Insurance has savings for teen driver, alternative fuel, early shopping, mature driver, distant student, and electronic funds transfer.
  • State Farm offers premium reductions for student away at school, anti-theft, multiple policy, multiple autos, defensive driving training, and passive restraint.

If you need cheap insurance coverage quotes, ask every company how many discounts you can get. All car insurance discounts may not apply to policyholders in every state. To locate auto insurance companies who offer auto insurance discounts, follow this link.

How to buy insurance

Effectively comparing insurance prices can be a lot of work if you don’t understand the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could save time and use the internet to get the quickest rates.

Many insurance companies participate in an industry program where prospective buyers send in one quote, and each participating company returns a competitive quote based on the submitted data. This system prevents you from having to do quotation requests for each company you want a rate for.

To find out how much you can save on insurance click here (opens in new window).

The only downside to using this type of form is buyers cannot specifically choose the insurers to get pricing from. If you wish to select specific insurance companies to request quotes from, we put together a list of the cheapest insurance companies in your area. Click to view list.

Take whichever approach you prefer, but ensure you’re using equivalent coverage limits for each price quote. If you use higher or lower deductibles you can’t possibly determine the lowest rate for your Mercury Grand Marquis. Just a small difference in coverage limits can result in a big premium difference. And when comparison shopping, more quotes will increase your chances of finding the best price. Some regional insurers cannot provide online price quotes, so you need to compare prices on coverage from those companies, too.

Buy cheaper auto insurance with these tips

Many things are taken into consideration when you get a price on insurance. Some factors are common sense such as your driving history, but some are more obscure such as your marital status or your vehicle rating.

The factors shown below are just a few of the factors utilized by car insurance companies to help set your premiums.

  • Married people drive safer – Getting married can actually save you money compared to being single. Marriage translates into being more mature than a single person and insurance companies reward insureds because married couples file fewer claims.
  • Low credit rating equals high prices – Credit score is a large factor in determining your rates. Insureds that have good credit tend to file fewer claims and have better driving records than those with lower credit scores. Therefore, if your credit score is lower than you’d like, you may save money insuring your 2011 Mercury Grand Marquis by taking the time to improve your credit score.
  • Teen drivers cost more – Teenage drivers are known to be more careless when behind the wheel and because of this, their auto insurance rates are much higher. Older, more experienced drivers tend to be more responsible, tend to file fewer claims and receive fewer citations.
  • Accidents are costly – Being a careful driver has a big impact on rates. Good drivers have lower premiums than bad drivers. Even a single moving violation may cause rates to rise by as much as thirty percent. Drivers with license-revoking citations such as reckless driving or DUI are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
  • Rental and towing coverage may not be needed – Insurance companies have many extra coverages you can purchase if you don’t pay attention. Coverage for things like coverage for rental cars, high-cost glass coverage, and extra equipment coverage could be just wasting money. The coverages may be enticing when buying your policy, but if you have no use for them remove them from your policy.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can help discover whether you will benefit from professional help.

  • Does coverage extend to my business vehicle?
  • Will my rates increase for filing one claim?
  • Do I need special endorsements for business use of my vehicle?
  • What discounts do I qualify for?
  • Do I pay less for low miles?
  • Can I drive in Mexico and have coverage?
  • When should I remove comp and collision on my 2011 Mercury Grand Marquis?
  • What can I do if my company won’t pay a claim?
  • What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Auto insurance advertising gotchas

Respected companies like 21st Century, Allstate and State Farm regularly use ads on TV and radio. All the ads state the claim that you can save if you get a free insurance coverage quote and switch your coverage to them. How does each company have lower policy pricing?

Companies require specific criteria for the type of customer that earns them the highest profit. For instance, a preferred risk might be over age 30, owns a home, and has a short commute. Anybody that fits those parameters will qualify for the lowest rates and as a result will probably save a lot of money.

Potential customers who don’t qualify for these stringent criteria will get higher premiums which translates to the customer not purchasing. The ad wording is “customers that switch” but not “all drivers who get quotes” save money. That’s the way companies can truthfully make the claims of big savings. Because each company has a different risk profile, you really should compare free insurance coverage quotes often. Because without a comparison, you cannot know which auto insurance company will have the lowest rate quotes.

Insurance coverage breakdown

Understanding the coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages found on most insurance policies.

Collision coverage – This pays for damage to your Grand Marquis caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, hitting a parking meter, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like ambulance fees, prosthetic devices and surgery. They are 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 as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, damage from flooding, fire damage and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since 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 important protection for you and your family.

Auto liability insurance – Liability insurance can cover injuries or damage you cause to other’s property or people. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers things such as funeral expenses, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Smart shoppers get results

There are still a few companies who may not have online rate quotes and usually these regional insurance providers only sell coverage through independent insurance agents. Cheap 2011 Mercury Grand Marquis insurance can be purchased from both online companies in addition to many insurance agents, so you should compare both to get a complete price analysis.

In this article, we presented a lot of information how to save on 2011 Mercury Grand Marquis insurance. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding inexpensive insurance coverage. You may be surprised to find that the lowest premium rates come from a small local company. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

To learn more, take a look at the resources below: