View 1996 Mercury Grand Marquis Car Insurance Quotes

Paying for high-priced Mercury Grand Marquis insurance can overdraw your checking account and make it impossible to make ends meet. Shopping your coverage around is free and is an excellent way to cut your insurance bill.

Numerous insurers battle to insure your vehicles, so it’s not easy to compare every provider to discover the definitive cheapest price

It’s a great practice to get comparison quotes quite often since insurance rates trend upward over time. Just because you had the lowest price for Grand Marquis insurance last year there may be better deals available now. Starting now, forget anything you know (or think you know) about insurance coverage because it’s time to teach you the easiest way to find lower rates on insurance coverage.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these techniques. Finding affordable coverage is quite easy. But vehicle owners need to learn the way companies sell insurance online.

Some factors that can determine what Mercury Grand Marquis insurance costs

Smart consumers have a good feel for the different types of things that come into play when calculating insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with better insurance rates.

The list below includes some of the items used by your company to calculate rates.

  • Being married can save on insurance – Having a spouse can actually save you money on your policy. It translates into being more responsible and it’s statistically proven that married couples file fewer claims.
  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
  • Do you need the policy add-ons? – There are a ton of extra coverages that you can get tricked into buying when buying insurance. Coverages for roadside assistance, accidental death and additional equipment coverage are examples of these. These coverages may sound good at first, but now you might not need them so eliminate them to save money.
  • Liability coverage protects you – Liability insurance provides coverage if a jury decides you are liable for personal injury or accident damage. Liability provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • Your age impacts your rates – Older drivers tend to be more responsible, tend to file fewer claims and receive fewer citations. Teen drivers have a tendency to get distracted easily behind the wheel therefore insurance rates are much higher.
  • Drive less and save money – Driving more miles in a year’s time the higher your rate. The majority of insurers price each vehicle’s coverage based upon how you use the vehicle. Autos left parked in the garage get more affordable rates than those used for commuting. Make sure your insurance coverage is rated on the proper vehicle usage. If your policy improperly rates your Grand Marquis may be wasting your money.
  • Better credit scores mean better rates – Credit score is a huge factor in determining your rates. Consumers who have high credit ratings tend to be less risk to insure than those with lower credit ratings. If your credit score is low, you could potentially save money when insuring your 1996 Mercury Grand Marquis by improving your credit score.
  • Cautious drivers pay less – Even a single moving violation can increase rates by twenty percent. Good drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who get flagrant violations like DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.

How much can you save with discounts?

Insurance can be prohibitively expensive, but you may find discounts that can drop the cost substantially. Certain discounts will be applied when you quote, but less common discounts must be asked for in order for you to get them.

  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • No Claims – Good drivers with no accidents can earn big discounts compared to drivers who are more careless.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Defensive Driving Course – Taking part in a driver safety course can save you 5% or more if your company offers it.

Keep in mind that most discounts do not apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, insurance companies aren’t that generous. But all discounts will help reduce your overall premium however.

Companies that may have these money-saving discounts may include but are not limited to:

It’s a good idea to ask every prospective company how you can save money. Some discounts might not apply in your state.

Are auto insurance companies telling the truth?

Auto insurance companies such as 21st Century, Allstate and State Farm regularly use television and radio advertisements. They all seem to say the same thing about savings if you move to them. But how can every company say the same thing? This is how they do it.

Different companies are able to cherry pick for the right customer they prefer to insure. A good example of a profitable customer might be between the ages of 30 and 50, insures multiple vehicles, and has a high credit rating. A propective insured who fits that profile gets the lowest rates and therefore will save when they switch companies.

Potential insureds who do not match the requirements will have to pay a more expensive rate and ends up with business not being written. The ad wording is “customers that switch” not “everyone that quotes” save that much money. That’s why insurance companies can advertise the savings.

Because of the profiling, you absolutely need to compare as many rates as you can. It is impossible to predict which auto insurance company will give you the biggest savings on Mercury Grand Marquis insurance.

How much car insurance do I need?

When choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that may help highlight whether your personal situation could use an agent’s help.

  • What is medical payments coverage?
  • When should my teen driver be added to my policy?
  • Should I buy additional glass protection?
  • Is my trailer covered?
  • What if I don’t agree with a claim settlement offer?
  • When should I remove comp and collision on my 1996 Mercury Grand Marquis?
  • Does coverage extend to Mexico or Canada?
  • Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Coverages available on your insurance policy

Knowing the specifics of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverages found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, theft, hitting a deer and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for surgery, EMT expenses and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision coverage

This will pay to fix damage to your Grand Marquis from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as backing into a parked car, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability

This coverage can cover damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as loss of income, medical services, funeral expenses, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Power to the consumer

When shopping online for insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. In many instances, an insured dropped collision coverage only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at an affordable rate while still protecting your assets.

Budget-conscious 1996 Mercury Grand Marquis insurance is definitely available on the web as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies don’t offer the ability to get a quote online and these smaller companies work with independent agents.

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