View 2009 Mercury Grand Marquis Insurance Rates

Want cheaper auto insurance rates for your Mercury Grand Marquis? I really doubt anyone anticipates paying for auto insurance, especially knowing the cost is way too high.

Vehicle owners have multiple insurance companies to choose from, and although it’s nice to have a choice, too many choices makes it more difficult to get the best deal.

Insurance coverage companies offer many types of discounts

Auto insurance companies don’t always publicize all available discounts very well, so the next list breaks down both well-publicized and the more hidden credits that you can use to lower your rates.

• No Accidents – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance quote when compared with frequent claim filers.
• Home Ownership Discount – Just owning your own home can save a few bucks because it is proof that your finances are in order.
• Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts could save 15% on medical payment and PIP coverage.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can receive discounts of 25 to 30%.
• Discount for New Cars – Buying a new car model can save you some money because newer vehicles keep occupants safer.
• Accident Forgiveness – Not really a discount, but some insurance companies will allow you to have one accident without raising rates if you are claim-free for a particular time prior to the accident.
• Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and can earn a small discount on your policy.
• Discounts for Cautious Drivers – Drivers who avoid accidents could pay up to 40% less on Grand Marquis coverage as compared to drivers with claims.
• Student Discount for Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class if it’s offered in school.
• Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS braking systems or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.

Discounts lower rates, but most discount credits are not given to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, insurance companies wouldn’t stay in business.

A list of insurance coverage companies and the discounts they provide are:

• American Family policyholders can earn discounts including bundled insurance, Steer into Savings, early bird, good driver, air bags, and accident-free.
• State Farm includes discounts for good driver, accident-free, driver’s education, defensive driving training, student away at school, and Drive Safe & Save.
• 21st Century offers discounts for defensive driver, teen driver, early bird, theft prevention, air bags, and 55 and older.
• Travelers has savings for driver training, multi-policy, home ownership, student away at school, and hybrid/electric vehicle.
• Geico has discounts for anti-theft, emergency military deployment, daytime running lights, seat belt use, driver training, and anti-lock brakes.

It’s a good idea to ask each insurance company what discounts are available to you. A few discounts might not be available to policyholders everywhere.

Which insurance is cheapest?

Effectively comparing insurance prices can take hours if you don’t understand the most efficient way to do it. You can waste a lot of time talking to insurance agencies in your area, or you could save time and use online quotes to get rates in a matter of minutes.

The majority of car insurance companies belong to an insurance system where insurance shoppers enter their policy data once, and each participating company returns a rated price based on that data. This prevents consumers from doing form submissions to each company.

To compare rates using this form now click here to start a free quote.

One minor caviat to getting quotes like this is you are unable to specify the companies you will receive quotes from. So if you prefer to pick specific providers to request quotes from, we have a page of companies who write insurance in your area. Click here for list of insurance companies.

Whichever method you choose, make darn sure you compare the same quote data for each quote you get. If you compare different deductibles it will be impossible to determine the best price for your Mercury Grand Marquis. Having just a slight variation in insurance coverages can mean a large discrepancy in price. And when quoting insurance, remember that obtaining a wide range of quotes helps locate the best rates. Some insurance companies are not set up to provide online rate quotes, so it’s necessary to compare rates from them as well.

Do I just need basic coverages?

When choosing adequate coverage, there is no perfect coverage plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.

• Do I need PIP coverage since I have good health insurance?
• How high should my medical payments coverage be?
• Should I sign the liability waiver when renting a car?
• How much liability coverage do I need in my state?
• When would I need additional glass coverage?
• What if I don’t agree with a claim settlement offer?
• Is my dog or cat covered if injured in an accident?
• Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.

Parts of your insurance policy

Learning about specific coverages of your insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages available from insurance companies.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Mercury Grand Marquis.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as theft, a tree branch falling on your vehicle and fire damage. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

Collision insurance covers damage to your Grand Marquis resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, hitting a mailbox, driving through your garage door, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Auto liability

This coverage protects you from damages or injuries you inflict on people or other property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like emergency aid, court costs and structural damage. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as pain medications, X-ray expenses, hospital visits and prosthetic devices. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

More effort can pay off

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. In many instances, consumers will sacrifice physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at the best cost, not the least amount of coverage.

Lower-priced 2009 Mercury Grand Marquis insurance is available online as well as from insurance agents, so you need to shop insurance with both in order to have the best chance of saving money. Some insurance coverage companies don’t offer rates over the internet and many times these smaller companies only sell coverage through independent agencies.

Helpful resources

• Side Impact Crash Tests (iihs.org)
• Credit and Insurance Scores (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)