2008 Mercury Grand Marquis Insurance Rates – 7 Tricks for Best Quotes

Have you finally had enough of sacrificing to insure your Mercury every month? You have the same problem as the majority of other vehicle owners. You have multiple car insurance companies to buy insurance from, and even though it’s nice to have a choice, more options can take longer to find the lowest rates.

Finding affordable coverage is easy if you know what you’re doing. If you are insured now or need a new policy, you will benefit by learning to find better prices while maintaining coverages. Vehicle owners only need an understanding of the best way to shop their coverage around online.

The method we recommend to compare insurance rates in your area takes advantage of the fact most of the larger companies allow for online access to give rate comparisons. All you need to do is provide details like your education level, if you have a valid license, coverage limits, and your credit rating estimate. The rating information is then submitted to many different companies and you will get price comparisons immediately.

To compare multiple company rates now, click here and complete the quick form.

When should I discuss my situation with an agent?

When buying the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance needs to address that. For instance, these questions may help you determine if you would benefit from professional advice.

  • Do I benefit by insuring my home with the same company?
  • Will my insurance pay for OEM parts?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my babysitter covered when using my vehicle?
  • Can I rent a car in Mexico?
  • Am I covered when using my vehicle for business?
  • What is PIP insurance?

If you can’t answer these questions but one or more may apply to you, you may need to chat with 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 only takes a few minutes and you can get the answers you need.

Auto insurance 101

Knowing the specifics of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages available from car insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, theft and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance will pay to fix damage to your Grand Marquis from colliding 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 coverage pays for things such as sustaining damage from a pot hole, crashing into a building, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Medical costs insurance

Med pay and PIP coverage kick in for immediate expenses for ambulance fees, dental work, EMT expenses, pain medications and surgery. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM Coverage

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your 2008 Mercury Grand Marquis.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability insurance

Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as attorney fees, repair costs for stationary objects, repair bills for other people’s vehicles and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.