Compare 1999 Mercury Grand Marquis Insurance Quotes

Overpriced Mercury Grand Marquis insurance can drain your personal savings and make it hard to pay other bills. Shopping your coverage around is free and is an excellent way to make sure you’re not throwing money away.

Insurance companies such as Progressive, State Farm and GEICO constantly bombard you with fancy advertisements and it is challenging if not impossible to avoid their marketing magic and find the best price available.

You should make it a habit to compare rates quite often because rates change regularly. Even if you got the best rates on Grand Marquis coverage six months ago you will most likely find a better rate today. Forget all the misinformation about insurance coverage because you’re about to learn the fastest and easiest way to lower your rates without sacrificing coverage.

If you have car insurance now, you should be able to reduce your rates substantially using these methods. Choosing the best insurance company for you is quite easy. But car owners benefit from understanding the way companies compete online and take advantage of how the system works.

Low Cost Auto Insurance

The are a couple different ways to get quotes from different insurance companies. The fastest way to find the lowest 1999 Mercury Grand Marquis rates consists of shopping online. This is very easy and can be done using a couple different methods.

  1. Probably the best way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This easy form keeps you from doing repetitive form entry for each company. One simple form gets you price quotes from multiple companies.
  2. A different way to get comparison quotes is going to each company website and complete a new quote form. For examples sake, we’ll assume you want comparison quotes from USAA, GEICO and State Farm. To get each rate you have to go to every website to input your insurance information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  3. The most time-consuming method to get comparison rates is to spend time driving to different agent offices. Buying insurance online eliminates the need for an insurance agent unless you prefer the personal advice of a local agent. Drivers can get the lowest quotes online and still use a local agent and we’ll talk about that later.

It’s up to you how you get prices quotes, just compare apples-to-apples coverage limits with every price quote. If each company quotes unequal deductibles or liability limits you can’t possibly decipher which rate is best. Just a small difference in coverage limits may cause a big price difference. And when price shopping your coverage, comparing a large number of companies will improve the odds of getting the best rates.

Some factors that can determine what Mercury Grand Marquis insurance costs

It’s important that you understand some of the elements that come into play when calculating the price you pay for insurance coverage. When you know what positively or negatively determines base rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Proper usage rating affects rates – Driving more miles every year the higher your rate. Most insurance companies rate vehicles based on their usage. Cars and trucks used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your insurance coverage coverage is rated on the proper vehicle usage. If your policy improperly rates your Grand Marquis may be costing you.
  • No coverage gaps is important – Driving with no insurance is illegal and you will pay a penalty because you let your coverage lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a license revocation or jail time.
  • Car features impact rates – Choosing a vehicle with a theft deterrent system can get you a discount on your insurance coverage. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
  • Occupation reflects on rates – Did you know that where you work can have an impact on rates? Careers like real estate brokers, social workers and stock brokers tend to pay the highest rates in part from high stress levels and lengthy work days. On the other hand, occupations like pilots, students and homemakers have the lowest average rates on Grand Marquis coverage.
  • Bump up deductibles to save – Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Mercury. Examples of covered claims are a windshield shattered by a rock, vandalism, and burglary. Physical damage deductibles are how much you are required to spend in the event of a claim. The more you’re willing to pay, the less your company will charge you for insurance on Grand Marquis coverage.
  • Pay less if you’re married – Having a spouse actually saves money on insurance coverage. It translates into being more responsible and it’s proven that being married results in fewer claims.

Do you qualify for a discount?

Insurance can be prohibitively expensive, but you can get discounts that you may not even be aware of. A few discounts will automatically apply at the time you complete a quote, but a few must be specifically requested before you get the savings.

  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy could earn a price break for each car.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Memberships – Affiliation with certain professional organizations could trigger savings when buying auto insurance on Grand Marquis coverage.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Grand Marquis coverage with select insurance companies.
  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Driver Safety – Taking part in a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Life Insurance Discount – Some companies give lower rates if you buy life insurance from them.
  • Passive Restraints – Cars that have air bags or automatic seat belts can qualify for discounts of more than 20%.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you can get free auto insurance, you’re out of luck. Any amount of discount will bring down the amount you have to pay.

To see a list of insurers with the best auto insurance discounts, click here to view.

What coverages do I need?

When it comes to choosing adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions can help discover if you may require specific advice.

  • What is the rate difference between pleasure use and commuting?
  • I have health insurance so do I need medical payments coverage?
  • Am I better off with higher deductibles on my 1999 Mercury Grand Marquis?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How much can I save by bundling my policies?
  • How can I get high-risk coverage after a DUI?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my personal policy cover me when driving out-of-state?
  • Is my Mercury Grand Marquis covered if I use it for business?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Information about specific coverages

Knowing the specifics of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages available from insurance companies.

Coverage for uninsured or underinsured drivers

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

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision insurance

This will pay to fix damage to your Grand Marquis resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for expenses for things like rehabilitation expenses, prosthetic devices and EMT expenses. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Auto liability

This coverage will cover injuries or damage you cause to people or other property. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. 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 coverage protects against claims such as bail bonds, loss of income, court costs, repair costs for stationary objects and funeral expenses. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hitting a deer, fire damage, rock chips in glass and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Online plus local equals savings

We just showed you some good ideas how you can compare 1999 Mercury Grand Marquis insurance prices online. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers may even find the lowest priced insurance comes from the smaller companies. These companies may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

When you buy insurance online, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where an accident victim reduced physical damage coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at an affordable rate while still protecting your assets.

Much more information about insurance is located at the links below