Compare 2010 Mercury Grand Marquis Car Insurance Rates

Finding the cheapest insurance for a Mercury Grand Marquis can normally be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to buy insurance coverage and we’ll show you the absolute fastest way to price shop coverage on a Mercury and obtain the lowest possible price.

What determines your Mercury Grand Marquis insurance premium

An important part of buying insurance is that you know the different types of things that help determine your insurance coverage rates. Knowing what determines base rates empowers consumers to make smart changes that will entitle you to big savings.

  • Safe vehicles cost less to insure – Safer cars tend to have better insurance rates. Safer cars reduce injuries and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates. If the Mercury Grand Marquis is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Do you have enough liability coverage? – Liability insurance is the protection in the event that a jury decides you are liable for personal injury or accident damage. It provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
  • Little extras can really add up – There are a ton of add-on coverages that can waste your money on your insurance coverage policy. Coverages like roadside assistance, accident forgiveness and membership fees may be costing you every month. These coverages may sound good at first, but your needs may have changed so get rid of them and save.
  • No coverage gaps is important – Allowing your coverage to lapse will be a sure-fire way to pay more for insurance coverage. And not only will your rates increase, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Do men or women drive better? – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. Women and men cause accidents in similar numbers, but men tend to have more serious accidents. Men also have more aggressive citations like DUI and reckless driving.
  • Increase deductibles and save – Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Mercury. Some instances where coverage would apply could be colliding with a building, damage from fire, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend in the event of a claim. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance on Grand Marquis coverage.
  • Your stress level may be raising your rates – Careers like real estate brokers, social workers and accountants have higher rates than average attributed to high stress levels and lots of time spent at work. On the flip side, jobs such as actors, athletes and retirees get better rates on Grand Marquis coverage.
  • High numbers of claims are not good – Insurance companies award discounts to people who do not file claims often. If you are a frequent claim filer, you can expect either higher rates or even cancellation. Car insurance is intended to be relied upon for larger claims.

The quickest method to compare car insurance company rates is to understand car insurance companies allow for online access to give you rate quotes. All consumers are required to do is provide the companies a bit of rating information such as whether or not you need a SR-22, marital status, which vehicles you own, and daily mileage. The rating information gets sent immediately to multiple top-rated companies and you get price estimates immediately.

To compare rates for a 2010 Mercury Grand Marquis now, click here and complete the quick form.

Advertising myths

Consumers can’t ignore all the ads for car insurance savings by companies like GEICO, State Farm and Progressive. They all seem to say the same thing that you can save if you change to them.

But how can every company make almost identical claims? This is how they do it.

All the different companies have a certain “appetite” for the type of customer that is profitable for them. A good example of a desirable insured could be between the ages of 30 and 50, has no driving citations, and drives newer vehicles. Any driver that hits that “sweet spot” receives the best rates and most likely will save quite a bit of money when switching.

Consumers who don’t measure up to these standards will be quoted higher premiums and ends up with business going elsewhere. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much money. That is how insurance companies can confidently state the savings. This emphasizes why you absolutely need to compare as many rates as you can. It is impossible to predict which insurance coverage company will give you the biggest savings on Mercury Grand Marquis insurance.

Get lower rates on Mercury Grand Marquis insurance

Companies that sell car insurance don’t list all available discounts very well, so we break down both well-publicized and the harder-to-find insurance savings. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Homeowners Savings – Owning a house can save you money because maintaining a house demonstrates responsibility.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same insurance policy may reduce the rate for each vehicle.
  • Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiration. The savings is around 10%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% on Grand Marquis coverage depending on your company.

Drivers should understand that most credits do not apply the the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like you could get a free insurance policy, insurance companies aren’t that generous.

To see a list of insurance companies who offer insurance discounts, click here.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different.

These are some specific questions may help highlight if you will benefit from professional help.

  • Why does it cost so much to insure a teen driver?
  • What is the minimum liability in my state?
  • At what point should I drop full coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Does insurance cover damages from a DUI accident?
  • What can I do if my company denied a claim?
  • What if I don’t agree with a claim settlement offer?
  • Is my Mercury Grand Marquis covered if I use it for business?
  • What discounts do I qualify for?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

Insurance coverage specifics

Having a good grasp of your policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability – This coverage will cover injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people. 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. You commonly see values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as pain and suffering, medical services, court costs and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2010 Mercury Grand Marquis.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, a broken windshield and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for rehabilitation expenses, doctor visits and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Final thoughts

People switch companies for a variety of reasons including policy cancellation, policy non-renewal, not issuing a premium refund and even lack of trust in their agent. It doesn’t matter why you want to switch finding a new company is not as hard as you think.

As you restructure your insurance plan, never buy less coverage just to save a little money. Too many times, someone dropped comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to find the BEST coverage at an affordable rate.

Lower-priced 2010 Mercury Grand Marquis insurance can be sourced both online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

More detailed insurance coverage information can be read by following these links: