Cheapest 2000 Mercury Grand Marquis Insurance Rates in 2024

Trying to find lower car insurance rates? Buyers have many options when searching for the lowest priced Mercury Grand Marquis insurance. You can either waste hours struggling with agents to compare prices or utilize the internet to get rate quotes.

There is a right way and a wrong way to buy car insurance so we’re going to tell you the best way to compare rates for a Mercury and obtain the cheapest rates.

If you have a current insurance coverage policy or are looking for a new policy, you can use this information to get lower rates and still get good coverage. The purpose of this post is to tell you the best way to quote coverages and some tips to save money. Vehicle owners only need an understanding of the proper methods to compare price quotes over the internet.

Lower rates by qualifying for these six discounts

Insurance can be prohibitively expensive, but there could be available discounts to reduce the price significantly. Most are applied at the time of purchase, but less common discounts must be specially asked for prior to receiving the credit. If you don’t get every credit possible, you are paying more than you should be.

• New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
• Life Insurance Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
• Payment Method – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
• Low Mileage – Fewer annual miles on your Mercury could qualify for better rates on cars that stay parked.
• Paperless Signup – A handful of insurance companies may give you up to $50 for buying your policy on their website.
• Seat Belt Usage – Requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.

Consumers should know that some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as comp or med pay. So even though it sounds like you can get free auto insurance, it just doesn’t work that way. But any discount will cut your premiums.

For a list of providers with discount auto insurance rates, follow this link.

Can switching companies really save?

Consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of 21st Century, Allstate and State Farm. They all seem to have a common claim of big savings if you move your coverage to them.

How do they all claim to save you money? This is how they do it.

All the different companies have a preferred profile for the right customer that earns them a profit. An example of a profitable customer could be over the age of 40, a clean driving record, and has a high credit rating. Any new insured who matches those parameters will get very good rates and most likely will save quite a bit of money when switching.

Potential customers who fall outside the “perfect” profile will be quoted higher premiums which leads to the driver buying from a lower-cost company. The ads say “people who switch” not “people who quote” save that much. This is how companies can state the savings.

This emphasizes why you need to compare as many rates as you can. It is impossible to predict which insurance companies will fit your personal profile best.

Car insurance is unique, just like you

When choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.

For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

• What if I owe more than I can insure my car for?
• At what point should I drop full coverage?
• Why am I be forced to buy a membership to get insurance from some companies?
• If I drive on a suspended license am I covered?
• Are there companies who specialize in insuring high-risk drivers?
• How many claims can I have before being canceled?
• Am I covered when delivering products for my home-based business?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Coverage specifics

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Auto liability insurance

This will cover damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like loss of income, medical services, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Mercury Grand Marquis.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are set the same as your liability limits.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for things like dental work, chiropractic care and ambulance fees. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage

Collision coverage will pay to fix damage to your Grand Marquis caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like scraping a guard rail, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hitting a bird and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Find Good Coverage for Less

In this article, we presented a lot of ways to save on 2000 Mercury Grand Marquis insurance. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with a small local company.

Drivers leave their current company for a number of reasons such as lack of trust in their agent, extreme rates for teen drivers, unfair underwriting practices and high rates after DUI convictions. No matter why you want to switch, finding a new company is not as hard as you think.

Cheap insurance is attainable from both online companies in addition to many insurance agents, and you need to price shop both to have the best rate selection. Some companies do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

More resources

• Understanding Rental Car Insurance (Insurance Information Institute)
• Cellphones, Texting and Driving (iihs.org)
• Things to Know Before you Cancel Insurance (Allstate)
• Vehicle Size and Weight FAQ (iihs.org)
• Keeping Children Safe in Crashes Video (iihs.org)