View 2006 Mercury Grand Marquis Insurance Rates

Shoppers have a choice when shopping for low-cost Mercury Grand Marquis insurance. You can either waste hours driving around trying to get quotes or use the internet to make rate comparisons. There is a better way to buy insurance and we’ll show you the absolute fastest way to compare rates for a new or used Mercury and find the cheapest rates from local insurance agents and online providers.

You should take the time to shop coverage around before your policy renews because prices change quite often. Even if you think you had the lowest price for Grand Marquis insurance a couple years back there is a good chance you can find better rates now. Ignore everything you know about insurance because we’re going to demonstrate the things you must know in order to find great coverage at a great price.

Cut your premium with discounts

Auto insurance companies don’t always list all available discounts very well, so the following is a list of some of the best known as well as the least known savings tricks you should be using. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Paperwork-free – Certain companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Homeowners Savings – Owning a home may earn you a small savings because maintaining a house requires personal responsibility.
  • Resident Student – Kids in college living away from home attending college and do not have a car may qualify for this discount.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like comp or med pay. So when it seems like it’s possible to get free car insurance, companies don’t profit that way.

Companies that may offer these money-saving discounts include:

Before buying, ask each insurance company how you can save money. Some discounts might not apply in your state.

Pieces of the Mercury Grand Marquis insurance rate puzzle

Smart consumers have a good feel for some of the elements that play a part in calculating your auto insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

Shown below are a few of the “ingredients” used by your company to calculate prices.

  • Your stress level may be raising your rates – Did you know your auto insurance rates can be affected by your occupation? Occupations like doctors, social workers and stock brokers tend to have the highest rates attributed to high stress and lots of time spent at work. On the other hand, jobs such as pilots, students and performers receive lower rates for Grand Marquis insurance.
  • Are you male or female? – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes are in accidents in similar numbers, but the male of the species cause more damage. Men also tend to receive more costly citations such as reckless driving. Young males are several times more likely to be in an accident and are penalized with high auto insurance rates.
  • Safer cars cost less to insure – Cars with high safety ratings can get you lower premiums. These vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If your Mercury Grand Marquis earned at least four stars on it may be receiving lower rates.
  • Cautious drivers pay less – Careful drivers get better rates than bad drivers. Even one speeding ticket can boost insurance rates twenty percent or more. Drivers who have serious citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Protect your assets with liability insurance – Your policy’s liability coverage is the coverage that protects you if ever you are found liable for damages from an accident. It will provide legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
  • Never go without insurance – Driving your car without having proper coverage is illegal and auto insurance companies will penalize you for letting your insurance expire. Not only will you pay more, failure to provide proof of insurance may earn you a revoked license or a big fine.
  • Better credit scores mean better rates – Having a bad credit rating is a big factor in determining what you pay for auto insurance. People with excellent credit tend to be more responsible than drivers who have lower credit scores. If your credit score can use some improvement, you could pay less to insure your 2006 Mercury Grand Marquis by improving your credit score.

What is the best insurance coverage?

When buying the best auto insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover if you would benefit from an agent’s advice.

  • Should I put collision coverage on all my vehicles?
  • Am I covered if I drive in a foreign country?
  • What if I total my 2006 Mercury Grand Marquis and owe more than it’s worth?
  • Do I get a pro-rated refund if I cancel my policy early?
  • If my pet gets injured in an accident are they covered?
  • What is no-fault insurance?
  • Why do I only qualify for high-risk insurance?
  • Does coverage extend to my business vehicle?
  • Am I covered when using my vehicle for business?
  • When do I need to add a new car to my policy?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Switch companies and save? Really?

Consumers get pounded daily by advertisements for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the companies make the same claim about savings if you change to their company.

But how can every company make almost identical claims?

Different companies have a preferred profile for the right customer they prefer to insure. A good example of a preferred risk might be between 30 and 50, owns a home, and has a short commute. A customer getting a price quote who fits that profile will get very good rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who don’t meet this ideal profile will be quoted higher premiums which usually ends up with business going elsewhere. The ads state “people who switch” but not “drivers who get quotes” save that much money. This is how companies can truthfully advertise the way they do. This emphasizes why you should get as many comparisons as possible. It’s not possible to predict which auto insurance company will fit your personal profile best.

Parts of your auto insurance policy

Having a good grasp of your auto insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, hitting a bird and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

This coverage will cover damage or injury you incur to other people or property that is your fault. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like repair costs for stationary objects, legal defense fees, emergency aid, medical services and loss of income. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Medical costs insurance

Med pay and PIP coverage kick in for bills like chiropractic care, EMT expenses and prosthetic devices. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mercury Grand Marquis.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like hitting a parking meter, damaging your car on a curb, crashing into a building, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Knowledge is power

We just showed you many tips how you can lower your 2006 Mercury Grand Marquis insurance rates. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Consumers may even find the best price on insurance coverage is with some of the smallest insurance companies.

Cost effective insurance is available both online and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. A few companies may not provide online price quotes and these regional insurance providers work with independent agents.

As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, an insured cut collision coverage and learned later they didn’t purchase enough coverage. Your aim should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Other information