1991 Mercury Grand Marquis Car Insurance Cost

Are you regretting the purchase of an expensive insurance coverage policy? You’re in good company because there are lots of residents who feel the same. Companies like Geico, 21st Century and Progressive persitently shower you with ad campaigns and consumers find it hard to see through the deception and find the best price available.

Lower-cost car insurance quotes with discounts

Some insurers do not advertise the complete list of policy discounts in an easy-to-find place, so the list below details some of the more common as well as the least known credits available to lower your premiums when you buy insurance coverage online.

• Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
• Good Student Discount – A discount for being a good student may save as much as 25% on a insurance coverage quote. The discount lasts well after school through age 25.
• Employee of Federal Government – Simply working for the federal government may reduce rates when you quote insurance coverage for Grand Marquis insurance with certain companies.
• Low Mileage – Fewer annual miles on your Mercury may allow you to get slightly better car insurancerates than normal.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Early Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can avoid monthly service charges.
• Paperless Signup – Many insurance companies give back up to $50 simply for signing online.
• Save with More Vehicles Insured – Buying coverage for multiple cars with the same car insurance company can reduce rates for all insured vehicles.
• Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though it appears you can get free auto insurance, company stockholders wouldn’t be very happy. But any discount will definitely reduce your premiums.

To see a list of car insurance companies that offer some of these discounts, follow this link.

What affects Mercury Grand Marquis insurance rates?

Many things are part of the calculation when you get a price on insurance. Some are pretty understandable such as your driving history, although some other factors are not quite as obvious like where you live and annual miles driven.One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that play a part in calculating auto insurance rates. If you understand what determines premiums, this enables informed choices that could result in lower auto insurance prices.

The items below are a few of the things that factor into your rate level.

• Stay claim-free and save money – If you file a lot of claims you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance companies provide lower rates to policyholders who only file infrequent claims. Your insurance policy is intended for claims that pose a financial burden.
• Auto insurance lapses lead to higher auto insurance rates – Driving any period of time without insurance is illegal and auto insurance companies will penalize you for letting your insurance lapse for non-payment. In addition to paying higher rates, the inability to provide proof of insurance may result in a hefty fine and possibly a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
• Poor credit can mean higher premiums – Credit rating will be a significant factor in calculating your auto insurance rates. Insureds with high credit scores tend to be better drivers and file fewer claims than those with poor credit scores. If your credit score is not that good, you could save money insuring your 1991 Mercury Grand Marquis if you clean up your credit.
• Save money by eliminating incidental coverages – Insurance companies have many extra coverages that you can buy when buying auto insurance. Coverages like rental car coverage, towing, and membership fees may be costing you every month. These may sound like a good investment when deciding what coverages you need, but your money might be better spent on other coverage so eliminate them to save money.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that may help you determine if your insurance needs might need professional guidance.

• Are rental cars covered under my policy?
• Is my business laptop covered if it gets stolen from my vehicle?
• Should I carry comprehensive and collision coverage?
• Is a new car covered when I drive it off the dealer lot?
• Can I drive in Mexico and have coverage?
• When should I buy a commercial auto policy?
• How do I buy GAP insurance?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Insurance coverage specifics

Knowing the specifics of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages offered by insurance companies.

Liability

This coverage can cover damage that occurs to other’s property or people. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like repair bills for other people’s vehicles, medical services, emergency aid and structural damage. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, rock chips in glass, falling objects, theft and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercury Grand Marquis.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Coverage for collisions

Collision insurance covers damage to your Grand Marquis resulting from a 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 like hitting a parking meter, rolling your car, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like dental work, EMT expenses and nursing services. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Have money to burn

You just learned a lot of ways to reduce 1991 Mercury Grand Marquis insurance premium rates online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding cheaper insurance coverage. You may even find the best premium rates are with an unexpected company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Progressive or Geico.

Lower-priced car insurance can be sourced on the web as well as from insurance agents, so get free insurance coverage quotes from both of them to have the best selection. Some insurance providers may not offer price quotes online and usually these smaller companies provide coverage only through local independent agencies.

Other resources

• How to Avoid Staged Accidents (State Farm)
• Top Signs Your Brakes are Giving Out (State Farm)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)