Lower Your 1999 Mercury Grand Marquis Car Insurance Cost

Are you sick and tired of trying to scrape together enough money to pay your insurance bill each month? You are in the same boat as many other people.

Since you have so many different company options, it is very difficult to pick the lowest price insurance company.

Smart consumers take time to take a look at other company’s rates quite often since prices are constantly changing. Despite the fact that you may have had the best quotes for Grand Marquis insurance six months ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

This information will help educate you on the most effective way to quote insurance and some tips to save money. If you currently have car insurance, you should be able to save some money using this strategy. Nevertheless, drivers do need to know the methods companies use to price online insurance and use this information to your advantage.

Informed drivers know how to get car insurance at a discount

Many things are part of the calculation when pricing auto insurance. Some factors are common sense like an MVR report, but some are not quite as obvious such as your marital status or your commute time.

The list below includes some of the factors car insurance companies consider when setting your rate level.

• Physical damage deductibles – Comp and collision deductibles state the amount of money you are required to spend out-of-pocket if you file a covered claim. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims could be a windshield broken by a bird, fire damage, and damage caused by road hazards. The more of the claim the insured has to pay upfront, the lower your rates will be for Grand Marquis insurance.
• Keep rates low by being claim-free – Auto insurance companies provide the best rates to drivers that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can pretty much guarantee much higher rates or policy non-renewal. Your car insurance is designed for major claims that would cause financial hardship.
• Annual mileage and car insurance prices – The more you drive your Mercury annually the higher your rates will be. Almost all companies calculate prices based upon how the vehicle is primarily used. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. Having the wrong rating on your Grand Marquis may be wasting your money. It’s a good idea to make sure your car insurance coverage shows the correct usage for each vehicle, because it can save money.
• Poor driving habits means higher costs – Being a careful driver impacts premiums far more than you think. Only having one speeding ticket can boost insurance rates twenty percent or more. Attentive drivers get better prices compared to bad drivers. Drivers who have received multiple violations such as DUI, reckless driving or excessive speeding are required to maintain a SR-22 with their state motor vehicle department in order to prevent a license revocation.
• Five star IIHS safety rating saves money – Vehicles with high crash test scores get lower rates. Safe vehicles reduce the chance of injuries and any reduction in injury severity means less claims paid which can result in lower premiums. If the Mercury Grand Marquis is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
• Liability coverage preserves assets – A critical coverage on your policy, liability insurance will afford coverage if ever a court rules you are at fault for an accident. It will provide legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.

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More affordable rates by receiving discounts

Companies that sell car insurance don’t always publicize every possible discount very clearly, so we researched both well-publicized and also the more inconspicuous credits available to you.

• Senior Citizen Rates – Seniors may receive a small decrease in premiums for Grand Marquis insurance.
• Payment Method – By making one initial payment instead of making monthly payments you could save up to 5%.
• Good Students Pay Less – Performing well in school can earn a discount of 20% or more. This discount can apply up until you turn 25.
• Anti-theft Discount – Cars and trucks that have factory anti-theft systems are stolen less frequently so companies will give you a small discount.
• Discount for Life Insurance – Some insurance carriers give a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
• Air Bag Discount – Factory options such as air bags may earn rate discounts of more than 20%.
• Accident Waiver – Not really a discount, but some companies like Progressive, Allstate, and Liberty Mutual will turn a blind eye to one accident before raising your premiums with the catch being you have to be claim-free for a set time period.
• Home Ownership Discount – Just owning your own home may trigger a policy discount on auto insurance since owning and maintaining a home is proof that your finances are in order.
• Discounts for Safe Drivers – Insureds who avoid accidents may receive a discount up to 45% for Grand Marquis insurance than drivers with accident claims.

As a footnote on discounts, some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Companies and some of the discounts include:

• State Farm may offer discounts for accident-free, driver’s education, Steer Clear safe driver discount, anti-theft, passive restraint, good driver, and defensive driving training.
• Nationwide offers discounts for Farm Bureau membership, business or organization, easy pay, defensive driving, and good student.
• Geico discounts include federal employee, anti-lock brakes, seat belt use, membership and employees, defensive driver, and good student.
• AAA includes discounts for multi-car, multi-policy, pay-in-full, good student, education and occupation, and anti-theft.
• 21st Century may include discounts for homeowners, air bags, theft prevention, anti-lock brakes, and student driver.
• The Hartford offers discounts including good student, air bag, bundle, vehicle fuel type, defensive driver, and anti-theft.

It’s a good idea to ask each company or agent which credits you are entitled to. Savings may not be available in your area.

Beware of misleading auto insurance ads

Big name companies like Progressive, Geico, Allstate and State Farm endlessly run television, radio, and online ads. All the companies advertise claims about how much you will save if you switch to them. How does each company offer drivers better rates? It’s all in the numbers.

Companies have a preferred profile for a prospective insured that will be a good risk. For instance, a profitable customer might be described as between the ages of 40 and 55, owns a home, and has great credit. A customer getting a price quote who fits those characteristics receive the lowest rate quotes and will also save a lot of money.

People who do not match this ideal profile may be forced to pay higher premiums which results in the driver buying from a lower-cost company. The ads say “drivers who switch” not “everyone who quotes” can get the lowest rates when switching. That is how companies can advertise the way they do.

Because every company is different, you really should compare quotes as often as possible. It’s not possible to predict which insurance companies will give you the biggest savings.

Your car insurance coverage should be tailored to you

When choosing the best car insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can aid in determining whether you could use an agent’s help.

• Am I missing any policy discounts?
• Can I afford to pay high deductible claims out of pocket?
• Should I carry comprehensive and collision coverage?
• Am I covered when pulling a rental trailer?
• Am I covered if I drive in a foreign country?
• How many claims can I have before being cancelled?
• Is a new car covered when I drive it off the dealer lot?
• What happens if I owe more than my 1999 Mercury Grand Marquis is worth?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

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Auto insurance specifics

Having a good grasp of auto insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages available from auto insurance companies.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills such as X-ray expenses, pain medications, funeral costs, dental work and hospital visits. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

This coverage covers damage to your Grand Marquis resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, rolling your car, damaging your car on a curb, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Mercury Grand Marquis.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability coverage

Liability insurance provides protection from damage or injury you incur to other’s property or people in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things like emergency aid, medical services and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, theft, falling objects and hitting a bird. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Be a smart shopper

We just presented some good ideas how to compare 1999 Mercury Grand Marquis insurance prices online. It’s most important to understand that the more you quote car insurance, the better chance you’ll have of finding cheap car insurance. You may even discover the best prices are with a company that doesn’t do a lot of advertising. They may often insure only within specific states and give getter rates compared to the large companies like Allstate, Geico and Progressive.

Cheaper insurance coverage can be bought on the web in addition to many insurance agents, so get free car insurance quotes from both of them to have the best chance of lowering rates. Some insurance coverage companies do not offer rates over the internet and most of the time these smaller providers only sell through independent insurance agencies.

To read more, link through to the articles below:

• Things to Know Before you Cancel Insurance (Allstate)
• Credit Impacts Car Insurance Rates (State Farm)
• Driving in Bad Weather (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)

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