1999 Mercury Grand Marquis Insurance Quotes

Think you have high-priced auto insurance? It’s quite common and you’re not the only one.

Numerous insurance companies battle for your business, and it can be difficult to compare rates to find the best rate

If you have car insurance now, you will most likely be able to reduce your rates substantially using this information. Finding affordable coverage is not rocket science. Although consumers do need to understand the way companies determine prices and apply this information to your search.

How to get low cost insurance coverage

To find cheap insurance coverage quotes, there are several ways of comparing rates from many insurance coverage companies in your state. One of the best ways to find cheaper 1999 Mercury Grand Marquis rates consists of shopping online. This is quite simple and can be completed in a couple of different ways.

  1. The most efficient way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This style of form keeps you from doing separate quotation requests for each company. Filling out one form gets rate comparisons from several companies.
  2. A less efficient way to compare rate quotes is to manually visit the website for every company you want to comare and repeat the quote process again and again. For example, we’ll pretend you want to compare prices for Liberty Mutual, 21st Century and Progressive. You would need to spend time going to each site individually and enter your policy data, which is why first method is reommended. For a list of companies in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using the exact same quote data for each quote you get. If your comparisons have differing limits then you won’t be able to decipher which rate is best. Slightly different coverage limits may cause a big price difference. Just remember that comparing a wide range of rates gives you a better chance of getting a lower rate.

Lower your car insurance rates with discounts

Companies offering auto insurance don’t always advertise every possible discount in an easy-to-find place, so we break down a few of the more common as well as some of the hidden discounts you could be receiving when you buy insurance coverage online. If you do not check that you are getting every discount possible, you may be paying too high a price.

  • Senior Citizens – Older drivers may receive better car insurance rates on Grand Marquis insurance.
  • Military Discounts – Being deployed with a military unit could trigger a small discount.
  • Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems are stolen less frequently and will qualify for a discount on a insurance coverage quote.
  • Fewer Miles Equal More Savings – Driving less could earn substantially lower prices.
  • Discount for Home Ownership – Owning your own home or condo can earn you a little savings since owning and maintaining a home requires a higher level of personal finance.
  • Discounts for Cautious Drivers – Insureds who avoid accidents may save up to 50% more on Grand Marquis insurance than their less cautious counterparts.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
  • Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts can get savings of 20 to 30 percent.
  • Distant Student Discount – Kids who are enrolled in higher education away from home and do not take a car to college may be able to be covered for less.
  • Accident Forgiveness – Not a discount per se, but a handful of insurance companies permit an accident before raising your premiums if your claims history is clear before the accident.

As a footnote on discounts, many deductions do not apply the the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will definitely reduce the amount you have to pay.

Auto insurance companies that may offer quotes with most of the discounts above include:

When comparing rates, check with every company which discounts you qualify for. Some of the discounts discussed earlier may not be available in your area. If you would like to view providers with discount rates, click this link.

The Mercury Grand Marquis insurance premium equation

The best way to find cheaper insurance coverage is to take a look at the rating factors that aid in calculating your insurance coverage rates. When you know what positively or negatively impacts premium levels, this allows you to make good choices that may result in much lower annual insurance costs.

Shown below are some of the most common factors companies use to determine your rate level.

  • Better prices on safer cars – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles reduce injuries and lower injury rates translates directly to fewer claims and lower rates for you. If your Mercury Grand Marquis has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Liability protection claims can be big – Your insurance coverage policy’s liability coverage will afford coverage when you are determined to be liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense coverage to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • Get better rates if married – Walking down the aisle may save some money when shopping for insurance coverage. Marriage demonstrates that you tend to be more stable financially and insurance companies like that married drivers get in fewer accidents.
  • Good drivers pay the best rates – Even one citation can boost insurance rates to the point where it’s not affordable. Careful drivers pay lower auto insurance prices as compared to those with violations. Drivers who have received dangerous tickets like DUI, reckless driving or excessive speeding are required to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to legally drive.
  • Proper usage rating affects premiums – The more miles you rack up on your Mercury every year the higher your rates will be. The majority of insurers price each vehicle’s coverage based upon how much you drive. Cars and trucks not used for work or commuting can be on a lower rate level compared to those used for work or business. An improperly rated Grand Marquis can cost quite a bit. It’s a smart idea to ensure your insurance coverage coverage properly reflects the correct driver usage, because improper ratings can cost you money.
  • Lower rates come with age – Older drivers tend to be more responsible, cause fewer claims and accidents and get fewer tickets.Teenage drivers are proven to get distracted easily in a vehicle and because of this, their insurance coverage rates are much higher.

You are unique and your insurance coverage should be too

When choosing coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that can help discover if you would benefit from professional advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need PIP coverage since I have good health insurance?
  • Does my insurance cover my expensive audio equipment?
  • Where can I find DUI or SR-22 insurance?
  • Are my friends covered when driving my 1999 Mercury Grand Marquis?
  • If my 1999 Mercury Grand Marquis is totaled, can I afford another vehicle?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Insurance coverage basics

Learning about specific coverages of insurance helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.

Comprehensive (Other than Collision)

This will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from a tornado or hurricane, fire damage, damage from flooding and rock chips in glass. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability auto insurance

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

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical services, repair costs for stationary objects, structural damage, legal defense fees and medical expenses. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses for pain medications, rehabilitation expenses, ambulance fees and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are identical to your policy’s liability coverage.

Collision protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Quote more. Save more.

As you quote insurance coverage, it’s very important that you do not skimp on coverage in order to save money. In too many instances, an accident victim reduced uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

You just read many tips how you can reduce 1999 Mercury Grand Marquis insurance prices online. The most important thing to understand is the more you quote insurance coverage, the better likelihood of getting affordable insurance coverage. Consumers may even find the best price on insurance coverage is with the smaller companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

Additional insurance coverage information is available at the links below