Compare 1994 Mercury Grand Marquis Insurance Rates

Are you burned out from scraping nickels together to pay insurance coverage each month? You are no different than many other drivers.

Many insurance companies vie to insure your vehicles, and it can be difficult to compare rates to find the absolute lowest rate

You should make it a habit to get comparison quotes once or twice a year because insurance rates change quite often. Even if you got the best premium rates for Grand Marquis insurance a few years ago a different company probably has better prices today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the fastest way to reduce your cost while improving coverage.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these methods. Finding affordable coverage is not rocket science. Although car owners do need to understand the methods companies use to market on the web because it can help you find the best coverage.

Free auto insurance price quotes

Performing a rate comparison can be a lot of work if you aren’t aware of the most efficient way. You can waste a few hours (or days) talking to insurance companies in your area, or you can utilize the web for quick rates.

Most of the best insurance companies are enrolled in a marketplace where insurance shoppers submit their information once, and every company can provide price quotes determined by their information. This eliminates the need for quote forms for each company.

To participate in this free quote system, click here to start a free quote.

The only downside to getting quotes like this is that consumers can’t choose which providers to get quotes from. So if you prefer to pick specific insurance companies to compare, we have a page of low cost auto insurance companies in your area. Click here to view list.

Whichever method you choose, make sure you use apples-to-apples coverage information with each company. If you compare mixed coverages you will not be able to determine the lowest rate for your Mercury Grand Marquis. Quoting even small variations in coverage limits could throw off the whole comparison. And when comparing auto insurance rates, know that having more price comparisons will improve the odds of getting a lower rate than you’re paying now.

Do you qualify for discount auto insurance?

Properly insuring your vehicles can get expensive, but you might already qualify for some discounts to cut the cost considerably. A few discounts will be applied when you purchase, but a few must be asked about before you will receive the discount.

• Drivers Education – Have your child sucessfully take a drivers education course if offered at their school.
• Discounts for Multiple Vehicles – Insuring multiple cars or trucks with the same auto insurance company could earn a price break for each car.
• Discounts for Safe Drivers – Drivers who don’t get into accidents can save as much as half off their rates for Grand Marquis insurance as compared to drivers with claims.
• Good Student – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
• Own a Home and Save – Owning a house can help you save on auto insurance because it demonstrates responsibility.
• Telematics Discount – Insureds that choose to allow their company to track where and when they drive by using a telematic data system such as Progressive’s Snapshot might get better premium rates if their driving habits are good.
• Payment Discounts – By paying your policy upfront rather than paying monthly you can actually save on your bill.
• Seat Belts Save – Drivers who require all occupants to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.
• Club Memberships – Affiliation with a professional or civic organization could trigger savings on your next auto insurance statement.
• Federal Employees – Federal government employees can save as much as 8% for Grand Marquis insurance depending on your auto insurance provider.

One last thing about discounts, many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like it’s possible to get free car insurance, you’re out of luck.

Large auto insurance companies and a summarized list of policyholder discounts are:

• State Farm includes discounts for defensive driving training, good driver, good student, multiple policy, safe vehicle, and passive restraint.
• Farmers Insurance may include discounts for homeowner, mature driver, good student, youthful driver, and teen driver.
• Geico may have discounts that include daytime running lights, federal employee, seat belt use, multi-policy, emergency military deployment, and anti-lock brakes.
• American Family has discounts for Steer into Savings, TimeAway discount, air bags, accident-free, and bundled insurance.
• Nationwide offers discounts including good student, family plan, Farm Bureau membership, easy pay, and multi-policy.
• Progressive discounts include multi-vehicle, online signing, continuous coverage, multi-policy, good student, homeowner, and online quote discount.

When getting free auto insurance quotes, it’s a good idea to all the companies which discounts you qualify for. Some discounts may not apply to policies in your area.

What insurance coverages do I need?

When it comes to choosing the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions could help you determine if you will benefit from professional help.

• Is my babysitter covered when using my vehicle?
• How do I insure my teen driver?
• What is high-risk coverage and where do I buy it?
• How high should deductibles be on a 1994 Mercury Grand Marquis?
• Why am I be forced to buy a membership to get insurance from some companies?
• Am I covered when driving on a suspended license?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Car insurance coverages 101

Understanding the coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages available from car insurance companies.

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, damage from getting keyed, damage from a tornado or hurricane, vandalism and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

This coverage pays for damage to your Grand Marquis from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, driving through your garage door, backing into a parked car, damaging your car on a curb and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 1994 Mercury Grand Marquis.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses like pain medications, EMT expenses, ambulance fees, dental work and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability coverage can cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

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 commonly see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like repair bills for other people’s vehicles, structural damage, funeral expenses, legal defense fees and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.