1998 Mercury Grand Marquis Insurance Rates – 5 Policy Discounts

Consumers have many options when looking for affordable Mercury Grand Marquis insurance. You can either spend your time driving around getting price quotes or utilize the internet to make rate comparisons.

There are both good and bad ways to find auto insurance online so you’re going to learn the absolute fastest way to quote coverages for a new or used Mercury and obtain the lowest possible price either online or from local insurance agents.

Smart consumers take time to compare rates every six months because prices are constantly changing. Just because you had the lowest price on Grand Marquis insurance last year you will most likely find a better rate today. There is a lot of wrong information about auto insurance online, but you can learn a bunch of ideas how to lower your auto insurance bill.

This information will introduce you to the best way to quote coverages and some tricks to saving. If you currently have car insurance, you will be able to cut costs considerably using these methods. Drivers only need to know the proper way to compare company rates on the web.

Save a ton by taking advantage of these five discounts

Some insurance providers do not advertise all available discounts very well, so we took the time to find some of the best known and the more hidden discounts that you can inquire about if you buy insurance online.

• Homeowners Discount – Just being a homeowner can save you money due to the fact that maintaining a home requires a higher level of personal finance.
• Organization Discounts – Being in specific professional or occupational memberships or organizations may earn a discount when getting a insurance quote.
• Early Signing – Some companies reward drivers for signing up before your current coverage expires. The savings is around 10%.
• Distant College Student Discount – Older children who are enrolled in a college that is more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
• Multi-Vehicle Discounts – Drivers who insure multiple cars on one policy qualifies for this discount.

Remember that some of the credits will not apply the the whole policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, it’s just not the way it works.

Companies and the discounts they provide can be found below.

• The Hartford has discounts for good student, driver training, bundle, vehicle fuel type, air bag, and defensive driver.
• American Family may have discounts that include multi-vehicle, air bags, mySafetyValet, defensive driver, early bird, Steer into Savings, and bundled insurance.
• Progressive discounts include continuous coverage, online quote discount, online signing, good student, homeowner, multi-policy, and multi-vehicle.
• Travelers has savings for hybrid/electric vehicle, IntelliDrive, home ownership, student away at school, continuous insurance, and good student.
• Farmers Insurance offers premium reductions for switch companies, homeowner, alternative fuel, business and professional, and distant student.
• USAA offers discounts including new vehicle, safe driver, good student, multi-policy, multi-vehicle, and defensive driver.
• Liberty Mutual may offer discounts for exclusive group savings, new move discount, new vehicle discount, multi-car, hybrid vehicle, safety features, and multi-policy.

If you need affordable insurance quotes, ask every insurance company which discounts they offer. Some of the discounts discussed earlier may not be available everywhere. If you would like to see a list of insurers who offer free car insurance quotes, click this link.

Compare insurance rates

Getting cheaper 1998 Mercury Grand Marquis insurance pricing is not rocket science. The only requirement is to take a couple of minutes comparing rates provided by online insurance companies. Shoppers can get rates in several different ways.

1. The fastest way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do repetitive form submissions for every insurance company. In just a few minutes this one form will get you rate comparisons from multiple low-cost companies. It’s the fastest way to compare.
2. A more difficult way to obtain and compare quotes online requires a trip to each company’s website and get a separate price quote. For examples sake, let’s say you want to get rates from Allstate, Safeco and Travelers. You would need to visit each site and repeatedly enter your information, which can get rather old. For a list of links to insurance companies in your area, click here.

Compare rates however you want, just do your best to enter apples-to-apples coverage limits for each comparison quote. If you have higher or lower deductibles it will be nearly impossible to determine which rate is truly the best.

How much insurance do I need?

When buying the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique.

For example, these questions may help you determine if you might need an agent’s assistance.

• Does my car insurance cover rental cars?
• Why do I need rental car insurance?
• Are there companies who specialize in insuring high-risk drivers?
• Do I need PIP (personal injury protection) coverage in my state?
• Do I need replacement cost coverage?
• Does my medical payments coverage pay my health insurance deductible?
• Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Auto insurance coverage breakdown

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage 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 limits do not exceed the liability coverage limits.

Coverage for liability – This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things like repair costs for stationary objects, bail bonds, pain and suffering, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from getting keyed, hitting a bird, hitting a deer and theft. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses such as nursing services, hospital visits, rehabilitation expenses and funeral costs. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision – This pays for damage to your Grand Marquis resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like sustaining damage from a pot hole, sideswiping another vehicle, driving through your garage door, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Smart shoppers get results

When searching for cheap insurance quotes, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced physical damage coverage and discovered at claim time that they should have had better coverage. Your goal should be to buy the best coverage you can find at the lowest possible cost.

Insureds change insurance companies for any number of reasons including delays in responding to claim requests, lack of trust in their agent, being labeled a high risk driver and an unsatisfactory settlement offer. It doesn’t matter why you want to switch choosing a new company is pretty simple and you could end up saving a buck or two.

We just presented some good ideas how to lower your 1998 Mercury Grand Marquis insurance rates. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting cheap insurance. You may even find the best rates are with a small mutual company.

More detailed insurance coverage information can be found at these sites:

• How to Avoid Staged Accidents (State Farm)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Understanding your Policy (NAIC.org)
• Older Driver Statistics (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)