2009 Mercury Grand Marquis Insurance Quotes – 10 Tricks for Best Rates

Looking for cheaper insurance coverage rates for your Mercury Grand Marquis? Finding cheaper insurance for a Mercury Grand Marquis can turn out to be difficult, but you can use the following methods and make it easy.

There is a better way to shop for insurance coverage and we’ll show you the best way to quote coverages on a Mercury and obtain the lowest possible price from local insurance agents and online providers.

How to get cheap insurance

Comparing insurance rates can take hours if you don’t utilize the fastest way to get free quotes. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you can utilize the web to get prices fast.

Most major companies participate in an industry program that enables customers to enter their coverage request one time, and at least one company returns a competitive quote based on the submitted data. This eliminates the need for quotation requests to each company.

To compare pricing click here to open in new window.

The single downside to getting quotes like this is you cannot specify which providers to get quotes from. So if you prefer to pick from a list of companies to compare prices, we have a page of low cost insurance companies in your area. Click to view list.

The approach you take is up to you, just make sure you are using the exact same coverage data on every quote. If you compare different values for each quote it will be nearly impossible to truly determine the lowest rate.

Insurance coverage can get complicated

When buying coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

For example, these questions might point out whether your personal situation would benefit from professional advice.

  • What is the minimum liability in my state?
  • What should my uninsured motorist coverage limits be in my state?
  • Can I afford to buy a different vehicle if my 2009 Mercury Grand Marquis is totaled?
  • Do I need special endorsements for business use of my vehicle?
  • What is the ISO rating for a 2009 Mercury Grand Marquis?
  • Do I have coverage when making deliveries for my home business?
  • When should I drop full coverage on my 2009 Mercury Grand Marquis?
  • Do I need motorclub coverage?
  • Is my custom paint covered by insurance?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Educate yourself about insurance coverages

Understanding the coverages of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like theft, a tree branch falling on your vehicle, hitting a deer, falling objects and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Mercury Grand Marquis.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto collision coverage

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

Collision coverage protects against claims such as sustaining damage from a pot hole, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability insurance

This provides protection from injuries or damage you cause to other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like funeral expenses, court costs, medical expenses, legal defense fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for bills for things like ambulance fees, prosthetic devices, rehabilitation expenses, surgery and pain medications. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay