View 2003 Mercury Grand Marquis Insurance Rates

Locating low-cost insurance for a Mercury Grand Marquis can be difficult, but you can learn the following methods and make it easy. There are more efficient ways to shop for insurance so you’re going to learn the absolute fastest way to compare rates on a Mercury and get the lowest price from both online companies and local agents.

If you have a policy now or need a new policy, you can learn to get lower rates and still get good coverage. Finding the lowest cost insurance is quite easy. Consumers just need to learn the most efficient way to compare price quotes online.

Mercury Grand Marquis premiums are determined by many factors

An important part of buying insurance is that you know the factors that go into determining insurance coverage rates. Understanding what determines base rates enables informed choices that could result in big savings.

  • Don’t skimp on liability – The liability section of your policy will protect you if a jury decides you are liable for personal injury or accident damage. Liability provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Younger drivers pay higher rates – Older drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations. Young drivers are statistically proven to be careless and easily distracted behind the wheel therefore insurance coverage rates are much higher.
  • Cautious drivers pay less – Just one moving violation can increase rates by twenty percent. Good drivers receive lower rates than people who have multiple driving citations. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
  • Big city or small town – Residing in less populated areas has it’s advantages when it comes to insurance coverage. Lower population means a lower chance of having an accident and a lower car theft rate. City drivers have to deal with congested traffic and much longer commute distances. More time on the road means more change of being in an accident.
  • Policy add-ons can waste money – There are a lot of extra coverages you can purchase if you aren’t careful. Insurance for vanishing deductibles, better glass coverage and motor club memberships are some examples. They may seem like a good idea at first, but if you don’t need them eliminate the coverages to reduce your premium.
  • Small claims can cost you – Auto insurance companies provide lower rates to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.

Compare Car Insurance Today

Lowering your 2003 Mercury Grand Marquis car insurance rates isn’t really that difficult. You just have to take the time comparing price quotes provided by online insurance companies. This is very easy and can be done in several different ways.

The single most time-saving way to find low rates is a comparison rater form click to view form in new window. This form prevents you from having to do repetitive form entry for every car insurance company. A single, simple form gets rate comparisons direct from many companies. Just one form and you’re done.

Another way to get comparison quotes is going to each company website to request a price quote. For instance, we’ll assume you want comparison quotes from Farmers, GEICO and American Family. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

The least efficient method of comparing rate quotes is to waste gas driving to local insurance agencies. The internet can eliminate the need for a local agent unless you have a need for the professional guidance only provided by licensed agents. Drivers can find lower rates online but buy from a local insurance agent and you’ll learn how to do that later.

It’s your choice how you get your quotes, but compare the exact same quote information for every quote you compare. If you compare different deductibles it’s not possible to make a fair comparison for your Mercury Grand Marquis.

More discounts equal less premium

Companies don’t necessarily list every discount very well, so we researched some of the best known and the harder-to-find discounts you could be receiving. If you don’t get every credit available, you are throwing money away.

  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Own a Home – Owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Multiple Cars – Insuring all your vehicles with the same company can get a discount on all vehicles.
  • Organization Discounts – Belonging to a civic or occupational organization could trigger savings when shopping for insurance coverage for Grand Marquis coverage.
  • Auto/Life Discount – Some companies give a break if you buy auto and life insurance together.
  • Low Mileage – Fewer annual miles on your Mercury could qualify for lower rates on the low mileage vehicles.

Consumers should know that most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

Insurance companies who might offer these benefits are:

Check with each company how you can save money. Discounts might not be offered everywhere.

It’s not one size fits all

When choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions might point out if your insurance needs might need an agent’s assistance.

  • Is my 2003 Mercury Grand Marquis covered for smoke damage?
  • Do I have coverage when making deliveries for my home business?
  • Are rock chip repairs covered?
  • What vehicles should carry emergency assistance coverage?
  • Will filing a claim cost me more?
  • Am I covered when driving on a suspended license?
  • Is my ex-spouse still covered by my policy?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

Learn about car insurance coverages for a Mercury Grand Marquis

Learning about specific coverages of a car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, colliding with another moving vehicle, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverages – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, rock chips in glass, fire damage and hitting a bird. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred 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 is a good idea.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for short-term medical expenses such as chiropractic care, X-ray expenses, EMT expenses and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance – Liability coverage protects you from damage that occurs to other people or property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like legal defense fees, repair bills for other people’s vehicles, funeral expenses and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Better coverage you can count on

You just read some good ideas how you can save on 2003 Mercury Grand Marquis insurance. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may even discover the lowest premiums are with a small mutual company.

Cheap insurance can be found from both online companies as well as from independent agents, so you should compare both so you have a total pricing picture. Some insurance coverage companies don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

Insureds switch companies for any number of reasons including poor customer service, high prices, high rates after DUI convictions and not issuing a premium refund. Regardless of your reason for switching companies, finding a new company can be easy and end up saving you some money.

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