View 2011 Mercury Grand Marquis Insurance Quotes

No one likes buying car insurance, especially when their premiums are too high. There is such a variety of auto insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, so many choices can make it hard to find the lowest cost provider.

It’s a good idea to price shop coverage before your policy renews because car insurance prices are usually higher with each renewal. Even if you got the lowest price on Grand Marquis insurance a year ago you can probably find a better rate now. Forget all the misinformation about car insurance because we’re going to show you the fastest and easiest way to properly buy coverages and cut your premium.

How you can control Mercury Grand Marquis insurance prices

Multiple criteria are used when quoting car insurance. A few of the factors are predictable such as your driving history, but some are more obscure like where you live or how safe your car is.

The itemized list below are some of the factors used by insurance companies to determine your premiums.

  • High comp and collision deductibles equal low rates – Deductibles for physical damage tell how much you are required to spend out-of-pocket if a claim is determined to be covered. Insurance for physical damage, also known as collision and other-than-collision, protects your car from damage. Some coverage claims could be collision with another vehicle, vandalism, and damage from wind. The larger the amount you pay before a claim is paid (deductible), the less your company will charge you for insurance on Grand Marquis insurance.
  • Safeguard your assets with liability protection – Liability insurance provides coverage in the event that you are found liable for causing personal injury or damage in an accident. It provides you with a defense in court to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Alarms and GPS tracking lower prices – Choosing to buy a car with anti-theft technology or alarm system can help lower your premiums. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop your vehicle from being stolen.
  • Marriage can save you money – Having a significant other actually saves money on your policy. It translates into being more mature than a single person and insurance companies like that married couples file fewer claims.

Save a ton with these car insurance discounts

Car insurance companies don’t always publicize every discount they offer very well, so we took the time to find some of the best known and the more hidden car insurance savings. If you check and find you aren’t receiving every discount you deserve, you could be saving more on your car insurance.

  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use their safety belts could cut 10% or more off PIP or medical payments premium.
  • Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Government Employees – Federal government employees could qualify for a slight premium decrease on Grand Marquis insurance depending on your company.
  • Early Renewal Discounts – A few larger companies offer discounts for switching to them before your current policy expires. You could save around 10% when you buy insurance online.
  • Good Students Pay Less – Excelling in school can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
  • Savings for New Vehicles – Insuring a new car may earn a small discount since newer models have better safety ratings.
  • Data Collection Discounts – People who choose to allow driving data collection to track vehicle usage by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they show good driving skills.

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as comp or med pay. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Popular car insurance companies and the discounts they provide are:

  • The Hartford may offer discounts for good student, driver training, air bag, anti-theft, and bundle.
  • American Family has discounts for bundled insurance, mySafetyValet, multi-vehicle, defensive driver, TimeAway discount, and good student.
  • Progressive offers discounts including continuous coverage, homeowner, good student, multi-policy, online signing, multi-vehicle, and online quote discount.
  • Travelers has savings for student away at school, early quote, multi-policy, driver training, and IntelliDrive.
  • Farmers Insurance includes discounts for pay in full, bundle discounts, homeowner, youthful driver, business and professional, electronic funds transfer, and multi-car.
  • USAA discounts include safe driver, good student, loyalty savings, multi-policy, and multi-vehicle.
  • Liberty Mutual may have discounts that include good student, newly married, new graduate, newly retired, exclusive group savings, new vehicle discount, and hybrid vehicle.

It’s a good idea to ask every prospective company which credits you are entitled to. Some of the earlier mentioned discounts might not be offered on policies in your area. To locate companies who offer cheap car insurance quotes, follow this link.

Insurance coverage can get complicated

When buying the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique and your policy should reflect that. For example, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?
  • Can I afford to buy a different vehicle if my 2011 Mercury Grand Marquis is totaled?
  • When should I not file a claim?
  • Is my nanny covered when driving my vehicle?
  • What if I owe more than I can insure my car for?
  • Can I rent a car in Mexico?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Information about specific coverages

Understanding the coverages of insurance aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

Auto collision coverage

Collision insurance covers damage to your Grand Marquis resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like sideswiping another vehicle, colliding with a tree and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for prosthetic devices, chiropractic care, doctor visits, pain medications and EMT expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, damage from a tornado or hurricane, fire damage and hail damage. The maximum 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 consider removing comprehensive coverage.

Coverage for liability

This coverage provides protection from damage that occurs to people or other property in an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like repair bills for other people’s vehicles, structural damage, attorney fees and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Quote more, save more

We just presented a lot of ways to compare 2011 Mercury Grand Marquis insurance car insurance rates online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a small local company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and GEICO.

As you prepare to switch companies, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage at the best possible price and still be able to protect your assets.

Additional detailed information can be found by following these links: