1995 Mercury Grand Marquis Insurance Quotes – 5 Ways to Save

Looking for the cheapest insurance rates? Shoppers have a choice when shopping for the lowest priced Mercury Grand Marquis insurance. They can either spend hours struggling with agents to get rate comparisons or use the internet to get rate quotes. There is a better way to shop for insurance and we’ll show you the best way to price shop coverage for a Mercury and find the lowest price from local insurance agents and online providers.

If you have a current car insurance policy or are shopping for new coverage, you will benefit by learning to find better prices while maintaining coverages. This information will instruct you on how car insurance quotes work and some money-saving tips. Vehicle owners just need to know the proper methods to get comparison quotes online.

The most recommended method to get policy rate comparisons utilizes the fact most insurance companies participate in a system to compare their rates. The one thing you need to do is give them some information such as if you’re married, whether the vehicles are used for commuting, an estimate of your credit level, and whether or not you need a SR-22. Your information is then sent to multiple top-rated companies and you will get price comparisons almost instantly.

To check car insurance prices now, click here and enter your coverage details.

Brand name doesn’t guarantee savings

Consumers can’t get away from ads that claim the best premium rates from companies such as Geico, State Farm and Progressive. They all seem to make the same claim about saving some big amount if you just switch your coverage.

How is it possible that every company can give you a better price? It’s all in how they say it.

Many companies offer their best rates for the right customer that will add to their bottom line. A good example of a preferred risk might be described as between 30 and 50, has no claims, and drives a lower-performance vehicle. Anyone who meets those qualifications gets the lowest rates and most likely will pay quite a bit less when switching companies.

Insureds who do not meet these criteria may be forced to pay higher prices and this can result in the prospect going elsewhere. If you pay attention, the ads say “customers that switch” not “everybody who quotes” save that much money. That is how companies can truthfully claim big savings. Because of this risk profiling, you absolutely need to compare quotes as often as possible. It is just not possible to predict the company that will have the lowest rate quotes.

Pay discount rates these five money-saving discounts

Some insurers don’t always advertise all their discounts very clearly, so the below list has some of the more common as well as some of the hidden credits available to lower your premiums when you buy auto insurance online. If you check and find you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

• Buy New and Save – Buying a new car instead of a used car is cheaper since newer vehicles are generally safer.
• Good Student – Maintaining excellent grades could provide a savings of up to 20% or more. The discount lasts up until you turn 25.
• Bundled Policy Discount – If you insure your home and vehicles with the same company you could earn a discount of approximately 10% to 15%.
• Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class if offered at their school.
• Defensive Driver Discounts – Completing a defensive driver class could earn you a small percentage discount if you qualify.

We need to note that some of the credits will not apply to the entire cost. Some only reduce individual premiums such as liability and collision coverage. If you do the math and it seems like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will positively reduce your overall bill.

A few popular companies and their offered discounts include:

• Farm Bureau has discounts for good student, driver training, renewal discount, safe driver, multi-policy, multi-vehicle, and youthful driver.
• MetLife has savings for good student, multi-policy, good driver, claim-free, and accident-free.
• Progressive may include discounts for continuous coverage, online signing, good student, online quote discount, multi-vehicle, and multi-policy.
• AAA discounts include pay-in-full, good student, AAA membership discount, multi-policy, good driver, and multi-car.
• American Family policyholders can earn discounts including accident-free, bundled insurance, defensive driver, air bags, and early bird.
• Geico includes discounts for defensive driver, anti-theft, driver training, good student, and anti-lock brakes.
• State Farm may have discounts that include multiple policy, defensive driving training, safe vehicle, Drive Safe & Save, and multiple autos.

If you want affordable auto insurance quotes, ask each company how many discounts you can get. Some credits may not apply in every state. To choose insurers that offer the discounts shown above, click this link.

Do I need special coverages?

When buying proper insurance coverage, there really is not a best way to insure your cars. Every situation is different.

For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

• Do I need more liability coverage?
• Should I have combined single limit or split liability limits?
• Do I need to file an SR-22 for a DUI in my state?
• Do I need PIP coverage since I have good health insurance?
• Does my insurance cover a custom paint job?
• Am I insured when driving a different vehicle?
• Do I need roadside assistance coverage?
• If my pet gets injured in an accident are they covered?
• Should I rate my 1995 Mercury Grand Marquis as pleasure use or commute?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Auto insurance policy coverages for a 1995 Mercury Grand Marquis

Learning about specific coverages of your auto insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from flooding, fire damage, a broken windshield, hitting a deer and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – This will pay to fix damage to your Grand Marquis from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with a tree, rolling your car, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Mercury Grand Marquis.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for expenses for things like EMT expenses, dental work and surgery. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance – This will cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things like legal defense fees, attorney fees, loss of income and bail bonds. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Buy online or local, you save

We just presented some good ideas how to compare 1995 Mercury Grand Marquis insurance rates online. The most important thing to understand is the more companies you get car insurance rates for, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from the least-expected company.

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. In many cases, an accident victim reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.

Budget-conscious 1995 Mercury Grand Marquis insurance is possible online and also from your neighborhood agents, so you need to quote auto insurance with both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get quotes online and usually these smaller providers prefer to sell through independent insurance agents.

Helpful information

• Speed and Speed Limit FAQ (iihs.org)
• State Car Insurance Guides (Geico)
• Older Drivers FAQ (iihs.org)
• Child Safety Seats (Insurance Information Insitute)