1993 Mercury Grand Marquis Car Insurance Quotes

Searching for lower insurance coverage rates for your Mercury Grand Marquis? Pretty sure you bought high-priced insurance coverage? It’s a common feeling and many drivers feel the same as you.

There is such a variety of car insurance companies to buy insurance from, and though it is a good thing to have a choice, it can be more challenging to find the lowest rates.

Finding the best rates is not that difficult. In a nutshell, anyone who is required by state law to have insurance coverage should be able to reduce their rates. Although consumers benefit from understanding how companies price online insurance and use this information to your advantage.

Use discounts on insurance

Insurance is expensive, but there may be some discounts that may help make it more affordable. Certain discounts will be triggered automatically when you purchase, but a few must be asked about before you get the savings.

• 55 and Retired – Older drivers may be able to get a slight reduction on a insurance quote on Grand Marquis coverage.
• Driver Training Discounts – Taking time to complete a class that teaches defensive driving techniques may get you a small discount if your company offers it.
• Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Grand Marquis coverage compared to accident prone drivers.
• Good Students Pay Less – Performing well in school could provide a savings of up to 20% or more. The good student discount can last up to age 25.
• No Accidents – Good drivers with no accidents can save substantially in comparison with accident-prone drivers.
• Homeowners Pay Less – Just being a homeowner can help you save on insurance because owning a home means you have a higher level of financial diligence.
• Data Collection Discounts – Drivers who agree to allow their insurance company to spy on where and when they drive by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates as long as the data is positive.

One thing to note about discounts is that most discounts do not apply the the whole policy. Most only apply to individual premiums such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, insurance companies aren’t that generous.

Some of the insurance companies that may have some of the discounts shown above possibly include:

• Travelers
• 21st Century
• State Farm
• Geico
• SAFECO
• AAA

When getting a coverage quote, ask every prospective company to apply every possible discount. Some credits may not apply to policies in your state. To find providers with significant discounts, click here to view.

Buy insurance online

Comparing insurance rates can be exhausting if you don’t know the most efficient way. You could spend the better part of a day talking to local insurance agents in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Most of the best insurance companies belong to a marketplace that enables customers to send in one quote, and at least one company then gives them pricing based on the submitted data. This saves time by eliminating quote requests for each company you want a rate for. To find out how much you can save on insurance click here to open in new window.

The single downside to using this type of system is buyers cannot specifically choose which providers you will receive quotes from. So if you prefer to pick specific insurance companies to receive pricing from, we have assembled a list of low cost insurance companies in your area. Click to view list.

Compare rates however you want, just make absolute certain that you use nearly identical coverage limits and deductibles for each quote you get. If you compare different values for each quote it will be very difficult to find the best deal for your Mercury Grand Marquis. Slightly different coverage limits could throw off the whole comparison. Keep in mind that comparing more rates from different companies provides better odds of finding lower pricing. Some smaller insurers to not give price estimates online, so you need to compare price quotes from them as well.

Eight things that affect your insurance costs

It’s important that you understand some of the factors that go into determining the rates you pay for car insurance. When consumers understand what impacts premium levels, this allows you to make educated decisions that could result in big savings.

The items below are some of the factors car insurance companies consider when setting your prices.

• Driver age impacts prices – Older drivers are shown to be more cautious, tend to file fewer claims , and are generally more financially stable.Teen drivers tend to be less responsible with other occupants in the car and because of this, their car insurance rates are much higher.
• Do you really need to file that insurance claims? – If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Insurance companies generally give better rates to people who do not rely on their insurance for small claims. Insurance coverage is intended for more catestrophic claims.
• High credit scores equal low costs – A driver’s credit history factor in calculating your premium rate. Therefore, if your credit could use some work, you could be paying less to insure your 1993 Mercury Grand Marquis by taking the time to improve your credit score. Drivers with very good credit scores tend to be less risk to insure than drivers with poor credit.
• Demanding vocation may mean higher premiums – Did you know your occupation can influence how much you pay for car insurance? Occupational choices like fire fighters, business owners and medical professionals usually pay the highest rates because of high stress and extremely grueling work hours. On the flip side, occupations such as professors, historians and homemakers pay lower than average rates on Grand Marquis coverage.
• Multi-policy discounts can save money – The majority of insurers allow discounts to clients who consolidate policies with them in the form of a multi-policy discount. The discount can be ten percent or more. Even if you qualify for this discount already, it’s in your best interest to shop around to verify if the discount is saving money.
• Drive less and get lower rates – Driving more miles annually the more it will cost to insure it. A lot of companies charge rates based on their usage. Cars and trucks not used for work or commuting receive lower rates compared to those used for work or business. It’s a smart idea to ensure your vehicle rating correctly shows how each vehicle is driven. An improperly rated Grand Marquis is just wasting money.
• Increase deductibles to save – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. Some examples of covered claims are a dented fender, damage caused by hail, and burglary. Comprehensive and collision coverage deductibles define how much you are willing to pay out-of-pocket if a covered claim is submitted. The more expense you’re willing to pay, the lower your rates will be on Grand Marquis coverage.
• Do safer cars cost less to insure? – Vehicles with high crash test scores cost less to insure. The safest vehicles reduce injuries and lower rates of occupant injuries translates directly to fewer claims passed on to you as lower rates. If the Mercury Grand Marquis earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. For example, these questions might help in determining if you might need professional guidance.

• How much underlying liability do I need for an umbrella policy?
• Am I covered when driving a rental car?
• Does my policy pay for OEM or aftermarket parts?
• Am I missing any policy discounts?
• How much can I save by bundling my policies?
• Will filing a claim cost me more?
• Does my insurance cover a custom paint job?
• Does my insurance cover my expensive audio equipment?
• Can I rate high risk drivers on liability-only vehicles?
• Why do I only qualify for high-risk insurance?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Save $425 a year. For real?

Geico, State Farm and Progressive regularly use television, radio, and online ads. All the ads say the same thing about how much you will save just by moving your policy. How do they all give you a better price? It’s all in the wording.

All companies have an ideal profile for the driver that will generate a profit. For instance, a profitable risk profile might have to be a married female, owns a home, and insures a new vehicle. Any driver who matches those parameters is entitled to the best price and will most likely save some money.

Potential customers who may not quite match this ideal profile may be forced to pay higher rates which results in business going elsewhere. If you listen to the ad wording, they say “customers that switch” not “everyone that quotes” save that much. That’s the way insurance companies can confidently claim big savings. Each company has different criteria, so you really should compare many company’s prices. It is just not possible to predict which insurance companies will provide you with the cheapest premium rates.

Auto insurance coverages

Having a good grasp of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are the usual coverages found on most auto insurance policies.

Collision insurance

This coverage will pay to fix damage to your Grand Marquis resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, sideswiping another vehicle, colliding with a tree and backing into a parked car. This coverage can be expensive, so consider dropping it from older vehicles. You can also choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Mercury Grand Marquis.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like EMT expenses, chiropractic care, rehabilitation expenses and X-ray expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, damage from getting keyed, falling objects, a broken windshield and fire damage. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages

Liability insurance protects you from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims such as court costs, pain and suffering, structural damage and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Stretch your dollar

Lower-priced 1993 Mercury Grand Marquis insurance can be sourced from both online companies in addition to many insurance agents, so you need to quote insurance with both to get a complete price analysis. Some companies do not provide internet price quotes and usually these small, regional companies prefer to sell through independent agencies.

When searching for cheaper insurance quotes, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy the best coverage you can find at an affordable rate, but do not sacrifice coverage to save money.

To read more, take a look at the resources below:

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Smart Auto Insurance Tips (Insurance Information Insitute)