1997 Mercury Grand Marquis Car Insurance Quotes

Trying to find lower insurance coverage rates for your Mercury Grand Marquis? Searching for low-cost insurance for your Mercury Grand Marquis can be an all-consuming task, but you can follow our insurance coverage buying tips to make it easier.

There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the best way to compare rates for your Mercury and find the cheapest rates.

It’s smart to check insurance coverage prices once or twice a year because insurance rates change frequently. Despite the fact that you may have had the lowest rates on Grand Marquis insurance last year you can probably find a better price now. Forget all the misinformation about insurance coverage because we’re going to demonstrate the fastest way to eliminate unnecessary coverages and save money.

If you are insured now or need a new policy, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Locating affordable protection is simple if you know the tricks. Drivers only need an understanding of the most effective way to compare rates on the web.

Mercury Grand Marquis rates are in the details

It’s important that you understand the different types of things that help determine the rates you pay for insurance coverage. Having a good understanding of what influences your rates enables informed choices that may reward you with big savings.

  • High deductibles save money – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Mercury from damage. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and rolling your vehicle. The deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more the insured has to pay upfront, the less your company will charge you for insurance on Grand Marquis insurance.
  • Equipment add-ons that lower insurance coverage rates – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
  • Claim-free discounts can add up – If you file claims often, you can expect either policy cancellation or increased premiums. Companies provide discounts to people who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Rate your vehicle for proper use – The more miles you rack up on your Mercury in a year’s time the more you will pay for insurance coverage. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. An improperly rated Grand Marquis may be wasting your money. Ask your agent if your insurance coverage policy shows how each vehicle is driven, because it can save money.
  • Your insurance coverage rates can be influenced by your job – Did you know your insurance coverage rates can be affected by your occupation? Jobs such as lawyers, executives and dentists tend to pay the highest average rates attributed to job stress and lengthy work days. Other jobs such as pilots, historians and homemakers have the lowest average rates on Grand Marquis insurance.
  • Policy add-ons can waste money – There are many extra coverages that can waste your money on your insurance coverage policy. Coverages for rental car reimbursement, accident forgiveness and motor club memberships are some examples. These coverages may sound good when you first buy your policy, but if you don’t need them eliminate them to save money.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores are cheaper to insure. Safer cars have better occupant injury protection and better occupant protection translates into savings for insurance companies and thus lower rates. If your Mercury Grand Marquis has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Lower rates by qualifying for discounts

The price of auto insurance can be rather high, but there could be available discounts to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but some must be specially asked for in order for you to get them. If you don’t get every credit you deserve, you are paying more than you should be.

  • Distant Student – Kids in college who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount on Grand Marquis insurance with a few insurance companies.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Own a Home – Owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Organization Discounts – Being a member of a qualifying organization could qualify you for a break on your policy on Grand Marquis insurance.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can qualify for discounts of up to 25% or more.
  • Life Insurance – Larger companies have a break if you buy auto and life insurance together.

Drivers should understand that most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way. But any discount will cut the amount you have to pay.

A partial list of companies that may offer these money-saving discounts include:

Double check with each insurance company which discounts you may be entitled to. Some discounts might not be offered in your state.

Car insurance is unique, just like you

When it comes to buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that could help you determine if you might need professional guidance.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is a blown tire covered by insurance?
  • Am I covered if I crash into my own garage door?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • How many claims can I have before being cancelled?
  • When should my teen driver be added to my policy?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Car insurance coverage information

Having a good grasp of your policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, hitting a mailbox, hitting a parking meter, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as prosthetic devices, EMT expenses, X-ray expenses and ambulance fees. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Mercury Grand Marquis.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, rock chips in glass, falling objects, fire damage and theft. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage – Liability coverage can cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from legal claims by others. It does not 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 might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as loss of income, repair costs for stationary objects, court costs, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Be a Smart Shopper

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

In this article, we presented a lot of tips how to save on 1997 Mercury Grand Marquis insurance. It’s most important to understand that the more times you quote, the better your comparison will be. You may even find the lowest premiums are with a small mutual company.

Drivers leave their current company for many reasons like denial of a claim, high rates after DUI convictions, policy non-renewal or even unfair underwriting practices. It doesn’t matter why you want to switch finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

More detailed car insurance information is located by following these links: