Save on 1996 Mercury Grand Marquis Car Insurance Rates

Are you tired of being strong-armed each month for insurance coverage? You are in the same boat as the majority of other people. Many car insurance companies vie for your business, and it can be difficult to compare rates to find the best rates possible.

How insurers determine Mercury Grand Marquis insurance premiums

Many different elements are used in the calculation when you get your auto insurance bill. Some are obvious like a motor vehicle report, but others are less obvious like your vehicle usage or how safe your car is.Smart consumers have a good feel for some of the things that come into play when calculating the level of your policy premiums. If you have a feel for what influences your rates, this empowers consumers to make smart changes that will entitle you to cheaper rates.

• Your stress level may be raising your rates – Jobs such as real estate brokers, social workers and stock brokers generally pay higher premium rates in part from high stress levels and incredibly demanding work hours. On the flip side, jobs such as farmers, athletes and homemakers have the lowest average rates for Grand Marquis coverage.
• How much liability insurance – Liability coverage will protect you when you are found to be at fault for personal injury or accident damage. It will provide legal defense coverage to defend your case. It is affordable coverage compared to insuring for physical damage coverage, so do not skimp.
• Remove unneeded extra policy coverages – There are a ton of add-on coverages that sound like a good idea at the time when buying insurance coverage. Things like rental car reimbursement, accidental death, and Farm Bureau memberships are some examples. They may seem like a good idea when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
• Drivers with high credit save – Having a bad credit history can be an important factor in determining premium rates. Insureds with high credit ratings tend to be less risk to insure than drivers with worse credit. If your credit rating leaves room for improvement, you may save money insuring your 1996 Mercury Grand Marquis by improving your rating.
• Rates are affected by your address – Living in less populated areas of the country may provide you with better prices when talking about insurance coverage. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims. City drivers have congested traffic and higher rates of accident claims. Higher commute times translates into higher accident risk.
• Rates increase with driving citations – Your driving citation history has a lot to do with how much you pay for insurance. Good drivers receive lower rates than people who have multiple driving citations. Getting just one speeding ticket or other violation can increase the cost of insurance by as much as twenty percent. Drivers who get careless citations such as DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with their state in order to legally drive.

The easiest way to compare car insurance rates is to know car insurance companies have advanced systems to provide you with a free rate quote. The only thing you need to do is provide details including daily mileage, if your license is active, the make and model of your vehicles, and driver ages. Your details is instantly sent to all major companies and you get price estimates quickly.

To find lower rates now, click here and enter the information requested.

Don’t overlook these insurance coverage discounts

Companies do not advertise the complete list of policy discounts in an easy-to-find place, so the next list breaks down a few of the more well known in addition to some of the lesser obvious discounts that may be available.

• Military Discounts – Being deployed with a military unit could trigger a small discount.
• Discount for Passive Restraints – Factory air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
• Senior Discount – Older drivers may receive a small discount on rates for Grand Marquis coverage.
• Driving Data Discount – Insureds that choose to allow data collection to spy on driving habits by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they are good drivers.
• Government Employees – Active or retired federal employment can earn a discount up to 10% for Grand Marquis coverage with some insurance coverage companies.
• Fewer Miles Equal More Savings – Driving fewer miles may allow you to get slightly better rates than normal.
• Accident Free – Insureds who avoid accidents and claims can save substantially as compared to frequent claim filers.
• New Vehicle Savings – Adding a new car to your policy can be considerably cheaper since newer vehicles are generally safer.
• Accident Forgiveness Coverage – This one isn’t a discount, but some insurance companies will allow you to have one accident before raising your premiums if you have no claims before the accident.

As a footnote on discounts, most credits do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it appears all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

The best insurance coverage companies and a partial list of their discounts can be found below.

• State Farm may offer discounts for defensive driving training, good driver, multiple policy, student away at school, and Steer Clear safe driver discount.
• Liberty Mutual offers premium reductions for teen driver discount, safety features, hybrid vehicle, multi-policy, and multi-car.
• American Family discounts include good student, multi-vehicle, bundled insurance, accident-free, Steer into Savings, mySafetyValet, and air bags.
• Progressive includes discounts for homeowner, multi-vehicle, online quote discount, continuous coverage, multi-policy, online signing, and good student.
• Farmers Insurance may include discounts for early shopping, electronic funds transfer, good student, alternative fuel, and homeowner.
• Auto-Owners Insurance may have discounts that include anti-lock brakes, teen driver, mature driver, paid in full, multi-policy, paperless, and anti-theft.
• SAFECO policyholders can earn discounts including multi-car, bundle discounts, teen safety rewards, teen safe driver, homeowner, anti-theft, and safe driver.

Check with each insurance company to apply every possible discount. Savings might not apply everywhere. If you would like to see a list of providers that offer some of these discounts, click here to view.

When to get professional advice

When it comes to choosing the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. These are some specific questions might point out whether or not you will benefit from professional help.

• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need added coverage for expensive stereo equipment?
• What is no-fault insurance?
• Does insurance cover damages from a DUI accident?
• What is the rate difference between pleasure use and commuting?
• I have a DUI can I still get coverage?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Car insurance policy specifics

Knowing the specifics of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages offered by car insurance companies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills such as pain medications, prosthetic devices, funeral costs, X-ray expenses and doctor visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured and underinsured coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercury Grand Marquis.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverages

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

Comprehensive coverage pays for things such as hitting a deer, hail damage, damage from a tornado or hurricane, fire damage and vandalism. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

This coverage pays for damage to your Grand Marquis resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, sustaining damage from a pot hole, sideswiping another vehicle, driving through your garage door and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Liability

This coverage can cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, 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 translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like loss of income, emergency aid and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Online plus local equals savings

Throughout this article, we presented some good ideas how you can save on 1996 Mercury Grand Marquis insurance. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even find the lowest prices come from an unexpected company. Regional companies often have lower rates on specific markets than the large multi-state companies such as Progressive and Geico.

A few companies may not offer internet price quotes and usually these small, regional companies only sell through independent insurance agencies. Budget-conscious 1996 Mercury Grand Marquis insurance can be sourced from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection.

Additional insurance information is located at the links below

• Driving in Bad Weather (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Understanding your Policy (NAIC.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Older Driver Statistics (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)