2006 Mercury Grand Marquis Insurance Quotes – 9 Ideas for Best Rates

Locating the cheapest insurance for a Mercury Grand Marquis can normally be an all-consuming task, but you can learn our car insurance buying tips and make it easy. There are both good and bad ways to find car insurance online so you’re going to learn the absolute fastest way to price shop coverage for your Mercury and get the best price possible either online or from local insurance agents.

Smart consumers take time to do rate comparisons once or twice a year because rates change regularly. Even if you got the best price on Grand Marquis insurance a couple years back the chances are good that you can find a lower rate today. You can find a lot of wrong information about car insurance online but I’m going to show you the easiest ways to find cheap car insurance.

Finding the best rates is not that difficult. If you have a policy now or need new coverage, you can use these tips to reduce the price you pay and possibly find even better coverage. Consumers just need to understand the proper way to shop their coverage around over the internet.

Companies offer discounts so take them!

Companies that sell car insurance don’t always list all available discounts very well, so the following is a list of both the well known as well as the least known discounts you could be receiving. If you don’t get every credit available, you’re just leaving money on the table.

  • Student in College – Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Low Mileage Discounts – Fewer annual miles on your Mercury could qualify for better rates on cars that stay parked.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% on Grand Marquis insurance with certain companies.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Clubs and Organizations – Affiliation with certain professional organizations could qualify you for a break on auto insurance on Grand Marquis insurance.
  • Auto/Home Discount – When you have multiple policies with the same company you may save up to 20% off your total premium.
  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • Homeowners Savings – Owning a home may trigger a auto insurance policy discount because maintaining a house requires personal responsibility.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you may reduce your total bill.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Most only reduce individual premiums such as collision or personal injury protection. So when it seems like you could get a free auto insurance policy, you’re out of luck.

To see a list of insurers with the best auto insurance discounts, click here to view.

Automobile Insurance Quotes

Comparing auto insurance rates can be challenging if you don’t understand the most efficient way. You could waste time talking to local insurance agents in your area, or you could save time and use the web to get pricing more quickly.

Most of the best insurance companies enroll in a system where insurance shoppers send in one quote, and at least one company can provide price quotes based on the submitted data. This saves time by eliminating quote forms to every company.

To use this form to compare 2006 Mercury Grand Marquis insurance rates click here to start a free quote.

The only drawback to comparing rates this way is buyers cannot specifically choose which insurance companies you will receive quotes from. If you would rather choose individual companies to compare rates, we put together a list of low cost auto insurance companies in your area. Click here to view list.

Which method you use is up to you, but double check that you are using identical coverages for each comparison quote. If you use differing limits it’s not possible to determine the lowest rate for your Mercury Grand Marquis.

Do I just need basic coverages?

When it comes to buying adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions can aid in determining if you might need an agent’s assistance.

  • How much liability coverage do I need in my state?
  • What is covered by UM/UIM coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • If my 2006 Mercury Grand Marquis is totaled, can I afford another vehicle?
  • What if I total my 2006 Mercury Grand Marquis and owe more than it’s worth?
  • What is no-fault insurance?
  • What if I don’t agree with a claim settlement offer?
  • Is my 2006 Mercury Grand Marquis covered for flood damage?
  • What is UM/UIM insurance?

If it’s difficult to answer those questions but one or more may 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 only takes a few minutes and can provide invaluable advice.

Educate yourself about auto insurance coverages

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like dental work, hospital visits, rehabilitation expenses, X-ray expenses and doctor visits. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance will pay to fix damage to your Grand Marquis resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as backing into a parked car, rolling your car, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Mercury Grand Marquis.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability insurance

This coverage protects you from injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as pain and suffering, attorney fees, funeral expenses and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Comprehensive auto insurance

This 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 coverage protects against things like hitting a bird, fire damage and vandalism. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Have money to burn

The cheapest 2006 Mercury Grand Marquis insurance can be purchased on the web as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some car insurance companies don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

Insureds change insurance companies for many reasons like lack of trust in their agent, not issuing a premium refund, an unsatisfactory settlement offer and even questionable increases in premium. It doesn’t matter why you want to switch finding the right car insurance provider is not as hard as you think.

We just presented quite a bit of information on how to shop for insurance online. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may be surprised to find that the biggest savings come from some of the lesser-known companies.

For more information, take a look at the resources below: