1991 Mercury Grand Marquis Insurance Quotes – 5 Savings Tips

Are you confused by the wide range of auto insurance company choices? Many other drivers are as well. People have so many options that it can quickly become a big hassle to find the lowest price.

Cut your auto insurance rates with these five discounts

The cost of insuring your cars can be expensive, but there are discounts available that you may not know about. Some trigger automatically when you purchase, but less common discounts must be requested specifically prior to receiving the credit.

  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Grand Marquis coverage depending on your company.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you may save at least 10% off all policies.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts as compared to drivers who are more careless.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Low Mileage Discounts – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck. But any discount will help reduce your premiums.

Companies that may have these discounts include:

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

Cheap Auto Insurance Comparisons

All major auto insurance companies such as Progressive, Allstate and GEICO provide pricing on their websites. Obtaining pricing is fairly straightforward as you simply enter your coverage preferences as detailed in the form. When the form is submitted, their rating system pulls your driving record and credit report and returns a price quote based on these and other factors.

Online price quotes helps simplify price comparisons, but the work required to visit a lot of sites and type in the same information can be a bit tiresome and repetitive. But it’s absolutely necessary to have as many quotes as possible in order to get the lowest possible prices on auto insurance.

A quicker way to find cheaper rates uses one simple form to return rates from several different companies. It saves time, requires less work, and makes comparison shopping much more enjoyable and efficient. As soon as you send your information, your coverage is rated and you are able to buy any of the quotes that you receive.

If you find a better price you can simply submit the application and purchase the new policy. This process only takes a few minutes and may save quite a bit of money.

If you want to find out how much you can save on auto insurance, click here to open in a new tab and begin entering your coverage information. If you have a policy now, it’s recommended you type in the coverages as shown on your current policy. Using the same limits helps guarantee you will receive a price comparison using the same coverage and limits.

You are unique and your auto insurance should be too

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique.

These are some specific questions could help you determine whether or not you might need professional guidance.

  • What if I owe more than I can insure my car for?
  • How high should my uninsured/underinsured coverage be in my state?
  • How can I get high-risk coverage after a DUI?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Are rental cars covered under my policy?
  • What is an SR-22 filing?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I buy additional glass protection?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How much liability do I need to cover my assets?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Save 15 percent in 15 minutes? Is it for real?

Progressive, Allstate and GEICO constantly bombard you with ads on TV and radio. All the companies make the same claim that you can save if you switch to their company. But how can every company make almost identical claims? This is how they do it.

All companies have a certain “appetite” for the driver that is profitable for them. An example of a desirable insured might be between 25 and 40, insures multiple vehicles, and has excellent credit. Any driver who matches those parameters receives the best rates and therefore will pay quite a bit less when switching companies.

Potential customers who don’t measure up to the requirements must pay more money which leads to business going elsewhere. Company advertisements say “people who switch” but not “drivers who get quotes” save money. This is how companies can truthfully make the claims of big savings.

This illustrates why you absolutely need to get as many comparisons as possible. It’s impossible to know which company will fit your personal profile best.

Insurance coverages and their meanings

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” 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.

Since 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 important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as rehabilitation expenses, dental work, EMT expenses and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, sideswiping another vehicle, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, damage from a tornado or hurricane, hitting a deer, a tree branch falling on your vehicle and damage from flooding. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

This coverage can cover damage or injury you incur to other’s property or people by causing an accident. It protects you from legal claims by others. Liability doesn’t cover 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 values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like repair bills for other people’s vehicles, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

More comparisons equals lower rates

Cheap 1991 Mercury Grand Marquis insurance can be bought from both online companies in addition to many insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

People who switch companies do it for any number of reasons including questionable increases in premium, delays in paying claims, high prices or policy cancellation. Whatever your reason, switching car insurance companies can be easy and end up saving you some money.

We covered quite a bit of information on how to get a better price on insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with a small local company.

Additional information can be read at the links below