Cheaper 2009 Mercury Grand Marquis Insurance Quotes

Feel like you’re a prisoner to an overpriced auto insurance policy? Believe me when I say you’re not the only one.

Many car insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare insurance companies to find the absolute lowest cost out there.

Factors that might impact rates for a Mercury Grand Marquis

Smart consumers have a good feel for the factors that come into play when calculating the price you pay for auto insurance. Understanding what impacts premium levels allows you to make educated decisions that can help you get big savings.

The list below includes a partial list of the pieces companies use to determine your rates.

  • Safer cars are cheaper to insure – Vehicles with high crash test scores can get you lower premiums. Safer cars have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Mercury is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Older drivers pay less – Older drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Young drivers are statistically proven to be careless and easily distracted behind the wheel and because of this, their auto insurance rates are much higher.
  • Your spouse saves you money – Having a wife or husband can get you a discount when buying auto insurance. Having a significant other usually means you are more mature it has been statistically shown that married couples file fewer claims.
  • Your credit rating is important – Credit rating is a large factor in calculating your auto insurance rates. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with lower ratings. Therefore, if your credit score can use some improvement, you could save money insuring your 2009 Mercury Grand Marquis by repairing your credit.
  • How many coverages with the same company – Many companies will award you with lower prices to insureds who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, it’s in your best interest to shop around to confirm you are receiving the best rates possible. You may still find better rates by buying insurance from more than one company.
  • Special features that cut premiums – Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • Rate your vehicle for proper use – Driving more miles every year the higher your rate. Most companies rate vehicles determined by how the vehicle is used. Cars used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your auto insurance coverage properly reflects the proper vehicle usage. If your policy improperly rates your Grand Marquis can cost quite a bit.

Discounts mean cheaper Mercury Grand Marquis insurance rates

Car insurance companies don’t always publicize every available discount very clearly, so the following is a list of some of the best known as well as the least known savings tricks you should be using.

  • Resident Student – Children living away from home attending college and do not have a car may qualify for this discount.
  • Homeowners Discount – Owning a home can save you money because owning a home requires personal responsibility.
  • Driver Safety – Successfully completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Student Driver Training – Require your teen driver to take driver’s ed class if offered at their school.
  • One Accident Forgiven – A handful of insurance companies permit an accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.
  • Club Memberships – Belonging to certain professional organizations could qualify you for a break when buying insurance coverage on Grand Marquis coverage.
  • Senior Citizens – If you qualify as a senior citizen, you may receive a discount up to 10% on Grand Marquis coverage.
  • Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Sign Early and Save – Select companies give a discount for signing up prior to your current policy expiration. It can save you around 10%.

Keep in mind that most discount credits are not given the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. Just because you may think you can get free auto insurance, insurance coverage companies aren’t that generous.

To see a list of insurers with the best insurance coverage discounts, follow this link.

Tailor your coverage to you

When buying the best insurance coverage, there really is no “perfect” insurance plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might help in determining whether you will benefit from professional help.

  • Do I really need UM/UIM coverage?
  • Should I carry comprehensive and collision coverage?
  • Am I covered if I break a side mirror?
  • Is my ex-spouse still covered by my policy?
  • Why do I need rental car insurance?
  • Is my trailer covered?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my 2009 Mercury Grand Marquis covered for flood damage?
  • Am I getting all the discounts available?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverages for a 2009 Mercury Grand Marquis

Knowing the specifics of car insurance can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by car insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses for nursing services, funeral costs, doctor visits and ambulance fees. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims 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. So UM/UIM coverage should not be overlooked.

Collision coverage protection

Collision coverage covers damage to your Grand Marquis resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a ditch, colliding with a tree, scraping a guard rail and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Liability auto insurance

This coverage can cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t 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. As an example, you may have values of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like court costs, repair costs for stationary objects, funeral expenses, attorney fees and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Compare but don’t skimp

When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where an insured cut liability coverage limits only to find out that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Throughout this article, we presented some good ideas how you can reduce 2009 Mercury Grand Marquis insurance prices online. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the most savings is with an unexpected company. These companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm and Allstate.

More detailed auto insurance information is available in the articles below: