Trying to find lower insurance rates for your Mercury Grand Marquis? Did you fall for a flashy sales pitch and buy high-priced insurance? Trust us when we tell you there are lots of people in the same boat.
Big companies like State Farm, GEICO and Farmers Insurance all claim big savings, bombarding you with ad campaigns and it is difficult to ignore the propoganda and do the work needed to find the best deal.
To find the best car insurance prices, there are several ways to compare rate quotes from different insurance companies. The fastest way to find competitive 2004 Mercury Grand Marquis insurance rates involves getting comparison quotes online. This can be accomplished using a couple different methods.
The easiest and least time consuming way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do repetitive form submissions to each individual car insurance company. Just one form will get you price quotes from car insurance companies with the best prices.
A harder way to compare prices consists of visiting the website for each individual company and fill out their own quote form. For instance, we’ll pretend you want rates from Farmers, State Farm and Travelers. You would have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.
To view a list of companies in your area, click here.
The least recommended method of comparing rate quotes is driving to different agent offices. The ability to buy insurance online can eliminate the need for a local agent unless you prefer the professional guidance of a local agent. However, consumers can find lower rates online but still have the advice of a local agent and we’ll talk about that later.
It’s up to you which method you use, but ensure you are comparing the exact same coverage limits on every quote you get. If you have different liability limits you can’t possibly truly determine the lowest rate. Quoting even small variations in coverages can make a big difference in price. Just keep in mind that quoting more helps you find the best offered rates.
GEICO, State Farm and Progressive constantly bombard you with ads on television and other media. All the companies have a common claim that you’ll save big if you switch to their company. How can each company say the same thing? This is how they do it.
Insurance companies are able to cherry pick for the right customer that is profitable for them. For example, a desirable insured could possibly be between the ages of 40 and 55, owns a home, and chooses high deductibles. A customer getting a price quote who fits that profile is entitled to the best price and therefore will save when switching.
Potential insureds who do not match this ideal profile must pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ads state “customers who switch” but not “drivers who get quotes” save money. That’s why companies can advertise the way they do. This illustrates why it’s extremely important to get as many quotes as possible. It’s not possible to predict which company will have the lowest Mercury Grand Marquis insurance rates.
Companies do not list every discount very well, so the following is a list of both the well known and also the lesser-known auto insurance savings.
It’s important to understand that some credits don’t apply to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way.
Companies that may have these discounts are:
It’s a good idea to ask each company what discounts are available to you. Some discounts might not be offered in every state.
When it comes to choosing coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions could help you determine whether you might need an agent’s assistance.
If you don’t know the answers to these questions, then you may want to think about talking to 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.
Having a good grasp of auto insurance aids in choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types available from auto insurance companies.
Medical expense coverage
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as EMT expenses, hospital visits, dental work and pain medications. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims like driving through your garage door, sustaining damage from a pot hole, crashing into a building, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.
Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as hail damage, rock chips in glass, a tree branch falling on your vehicle and damage from getting keyed. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Uninsured or underinsured coverage
Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
Liability auto insurance
Liability insurance will cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
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 commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability can pay for claims such as bail bonds, medical services and loss of income. How much coverage you buy is your choice, but consider buying higher limits if possible.
In this article, we presented many ideas to shop for 2004 Mercury Grand Marquis insurance online. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. You may even find the lowest rates come from a company that doesn’t do a lot of advertising. These companies often have lower prices on specific markets as compared to the big name companies such as Progressive and GEICO.
The cheapest insurance can be bought online in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.