1999 Mercury Grand Marquis Insurance Quotes – 6 Discounts for Cheapest Rates

Expensive insurance can drain your bank account and force you to make sacrifices. Comparison shopping is free and is an excellent way to tighten up your finances. Since consumers have many choices, it is very difficult to pick the lowest price company.

It’s a great practice to do rate comparisons every six months due to the fact that insurance rates are constantly changing. Just because you had the best deal for Grand Marquis insurance last year other companies may now be cheaper. Don’t believe everything you read about insurance on the web, but with this article, you’re going to get some proven techniques to slash your insurance rates.

The method we recommend to compare insurance rates in your area takes advantage of the fact car insurance companies have advanced systems to provide you with a free rate quote. All consumers are required to do is provide a little information such as whether you drive to work or school, if you lease or own, whether you are single or married, and the type of vehicles you drive. Those rating factors is instantly sent to many different companies and they return quotes very quickly.

To find the cheapest insurance rates, click here and complete the quick form.

Don’t pay full price with these six discounts

Insurance can cost an arm and a leg, but there are discounts available to cut the cost considerably. Some trigger automatically when you quote, but some may not be applied and must be asked for in order for you to get them. If you’re not getting every credit available, you are throwing money away.

  • Student Driver Training – Require your teen driver to complete a driver education course if offered at their school.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% for Grand Marquis insurance with select insurance companies.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you may earn at least 10% off all policies.
  • Discount for Swiching Early – Some companies give discounts for signing up before your current policy expires. The savings is around 10%.
  • College Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.

It’s important to note that some credits don’t apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comp or med pay. Just because it seems like adding up those discounts means a free policy, insurance companies aren’t that generous. Any qualifying discounts will cut the amount you have to pay.

For a list of companies who offer insurance discounts, follow this link.

Your personal situation dictates your coverage

When it comes to buying adequate coverage for your personal vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • I have a DUI can I still get coverage?
  • Am I covered if hit by an uninsured driver?
  • What is the rate difference between pleasure use and commuting?
  • When should I buy a commercial auto policy?
  • If I drive on a suspended license am I covered?
  • Do I have newly-aquired coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverages and their meanings

Having a good grasp of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from auto insurance companies.

Comprehensive auto insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from flooding, hitting a bird, a broken windshield, damage from getting keyed and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Mercury Grand Marquis.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are set the same as your liablity limits.

Liability car insurance – This can cover damage that occurs to other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like structural damage, repair bills for other people’s vehicles, attorney fees and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Collision coverages – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a ditch, driving through your garage door, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as dental work, prosthetic devices, EMT expenses, doctor visits and funeral costs. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

More quotes. Lower rates.

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut liability limits or collision coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Cheaper 1999 Mercury Grand Marquis insurance is available both online and with local insurance agents, and you should be comparing both to have the best selection. Some car insurance companies do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

Much more information about car insurance is located at the links below