Compare 1998 Mercury Grand Marquis Insurance Quotes

Looking for cheaper auto insurance rates? Shoppers have many options when shopping for the lowest priced Mercury Grand Marquis insurance. You can either spend your time calling around to compare prices or utilize the internet to compare rates. There are both good and bad ways to compare auto insurance rates and we’ll show you the proper way to quote coverages on a Mercury and obtain the lowest possible price either online or from local insurance agents.

If you have insurance now or need new coverage, you will benefit by learning to find the best rates while maintaining coverages. The purpose of this article is to introduce you to how to effectively get price quotes and some tips to save money. Vehicle owners only need to know the best way to buy insurance over the internet.

Lesser-known factors impacting Mercury Grand Marquis insurance rates

Smart consumers have a good feel for the different types of things that play a part in calculating insurance rates. Understanding what determines base rates empowers consumers to make smart changes that may reward you with big savings.

Shown below are a few of the “ingredients” used by your company to calculate rates.

  • Safer cars are cheaper to insure – Cars with high safety ratings can get you lower premiums. Safe vehicles have better occupant injury protection and fewer injuries means lower claim amounts and more competitive rates for policyholders. If your Mercury Grand Marquis scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Being married is a good thing – Having a wife or husband helps lower the price on your insurance policy. Marriage translates into being more mature and it’s proven that drivers who are married are more cautious.
  • Are you male or female? – The statistics show that women are safer drivers than men. Now that doesn’t mean men are worse drivers. Both sexes have accidents at a similar rate, but the males tend to have more serious accidents. They also have more aggressive citations like reckless driving and DUI.
  • Pleasure use or commuting – The more you drive in a year’s time the more you will pay for insurance. Most insurance companies apply a rate based on how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate compared to those used for work or business. Having the wrong rating on your Grand Marquis can result in significantly higher rates. Double check that your insurance policy properly reflects the correct driver usage, because it can save money.

These discounts can lower your rates

Companies that sell car insurance don’t list every discount in an easy-to-find place, so we break down both well-publicized and the harder-to-find insurance savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Life Insurance – Select insurance companies reward you with better rates if you take out life insurance from them.
  • Distant Student – Any of your kids who are attending college and do not have a car can receive lower rates.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Organization Discounts – Being a member of a qualifying organization is a good way to get lower rates on your policy on Grand Marquis coverage.

It’s important to understand that most discounts do not apply to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

To see a list of providers offering insurance discounts, click here.

Car insurance ads bend the truth

Consumers get pounded daily by advertisements for cheaper car insurance by companies like State Farm and Allstate. They all make the same claim that you can save if you switch to them.

How does each company claim to save you money?

All companies can use profiling for the right customer that earns them a profit. For instance, a driver they prefer might be between 25 and 40, insures multiple vehicles, and has excellent credit. Any driver that hits that “sweet spot” receives the best rates and most likely will save quite a bit of money when switching.

Potential customers who don’t qualify for the “perfect” profile will have to pay more money and ends up with business not being written. The ads state “drivers who switch” not “people who quote” save that much money. This is how insurance companies can confidently claim big savings. Because of the profiling, it’s extremely important to get as many comparisons as possible. It’s not possible to predict which car insurance company will provide you with the cheapest Mercury Grand Marquis insurance rates.

Different people need different coverages

When choosing the best insurance coverage coverage, there isn’t really a perfect coverage plan. Every situation is different.

For instance, these questions could help you determine if you could use an agent’s help.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Why do I need rental car insurance?
  • What is an SR-22 filing?
  • Is my Mercury Grand Marquis covered if I use it for business?
  • Am I insured when driving a different vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Auto insurance coverages 101

Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Medical expense insurance – Med pay and PIP coverage provide coverage for immediate expenses such as hospital visits, surgery and chiropractic care. They are often used to fill the gap from your health insurance program or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, a tree branch falling on your vehicle, vandalism, theft and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance – Liability coverage can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from legal claims by others. It does not 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 might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as court costs, attorney fees and legal defense fees. How much coverage you buy is your choice, but buy as much as you can afford.

Collision coverages – This 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 insurance covers things such as sustaining damage from a pot hole, rolling your car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

More quotes mean more savings

As you restructure your insurance plan, make sure you don’t buy less coverage just to save a little money. There are too many instances where someone dropped full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

People who switch companies do it for many reasons like not issuing a premium refund, high prices, extreme rates for teen drivers or even unfair underwriting practices. It doesn’t matter why you want to switch finding the right auto insurance provider is less work than it seems.

Cost effective 1998 Mercury Grand Marquis insurance is possible both online in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who do not provide online quoting and most of the time these small insurance companies sell through independent agents.

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