Save on 1995 Mercury Grand Marquis Car Insurance Cost

Looking for cheaper auto insurance rates for your Mercury Grand Marquis? Nobody I know cherishes buying auto insurance, particularly when their premiums are through the roof.

Insurance companies such as State Farm and GEICO all promote huge savings with TV and radio ads and it is challenging if not impossible to see past the corporate glitz and take the time to shop coverage around.

Pieces of the Mercury Grand Marquis insurance rate puzzle

Smart consumers have a good feel for the rating factors that go into determining your insurance coverage rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that will entitle you to better insurance coverage rates.

  • Equipment add-ons that lower insurance coverage rates – Choosing a vehicle with an alarm system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
  • Discounts for married couples – Getting married can get you a discount when buying insurance coverage. Marriage usually means you are more mature it has been statistically shown that married couples file fewer claims.
  • Allowing your policy to lapse raises rates – Driving with no insurance can get your license suspended and as a result your rates will increase for letting your insurance expire. And not only will insurance be more expensive, failure to provide proof of insurance might get you a license revocation or jail time.
  • A clean driving record saves money – Even a single moving violation can bump up the cost forty percent or more. Drivers who don’t get tickets get better rates than their less careful counterparts. Drivers who get dangerous violations like DUI or reckless driving may be required to file a SR-22 with their state DMV in order to prevent a license revocation.
  • Rural vs Urban Areas – Living in a rural area can be a good thing when talking about insurance coverage. Urban drivers have to deal with much more traffic and longer commute times. Fewer people means reduced accidents as well as less vandalism and auto theft.
  • Rate your vehicle for proper use – The more you drive in a year the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based upon how you use the vehicle. Cars that are left in the garage receive lower rates than those used for commuting. Verify your insurance coverage policy properly reflects the correct driver usage, because improper ratings can cost you money. Incorrect usage on your Grand Marquis can cost quite a bit.

How to Compare Auto Insurance Quotes

Performing a rate comparison can take hours if you don’t utilize the fastest way to get free quotes. You can waste hours talking to insurance companies in your area, or you could save time and use the internet to get pricing more quickly.

All the larger companies belong to an insurance system where prospective buyers send in one quote, and each participating company then gives them pricing based on that information. This eliminates the need for quotation requests to each company. To use this form to compare 1995 Mercury Grand Marquis insurance rates click here (opens in new window).

The one disadvantage to using this type of form is you cannot specify which carriers to get quotes from. If you wish to select specific providers for rate comparison, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using exactly the same information for every company. If you enter different deductibles then you won’t be able to determine which rate is truly the best. Having just a slight variation in insurance coverages may cause a big price difference. And when price shopping your coverage, getting more free quotes gives you a better chance of getting the best price.

How much can you save with discounts?

Insuring your vehicles can cost a lot, but you can get discounts to help bring down the price. Certain discounts will be triggered automatically when you get a quote, but a few must be asked about before being credited.

  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may save approximately 10% to 15%.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Discount for Good Grades – This discount can save 20 to 25%. The discount lasts well after school through age 25.
  • Clubs and Organizations – Participating in a professional or civic organization could qualify you for a break on your policy for Grand Marquis insurance.
  • Discount for Life Insurance – Larger companies have a discount if you purchase a life insurance policy as well.
  • Defensive Driver – Completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as medical payments or collision. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will cut the cost of coverage.

Insurance companies who might offer these benefits may include but are not limited to:

Check with each insurance company which discounts they offer. Savings might not apply in every state.

How much car insurance do I need?

When buying the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can help discover whether you will benefit from professional help.

  • Who is covered by my policy?
  • Do I need replacement cost coverage?
  • How much liability do I need to cover my assets?
  • Where can I find high-risk insurance?
  • How much liability coverage do I need in my state?
  • Do I need roadside assistance coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Is pleasure use cheaper than using my 1995 Mercury Grand Marquis to commute?
  • What happens if I owe more than my 1995 Mercury Grand Marquis is worth?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Learn about auto insurance coverages for a Mercury Grand Marquis

Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. These are the usual coverages found on most auto insurance policies.

Liability coverage

This will cover damages or injuries you inflict on other people or property. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits 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 a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as legal defense fees, attorney fees, pain and suffering, funeral expenses and loss of income. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays for 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 coverage protects against things like hitting a bird, falling objects, a broken windshield and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like hospital visits, doctor visits, X-ray expenses, rehabilitation expenses and chiropractic care. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a ditch, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mercury Grand Marquis.

Since 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. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

More choices the merrier

When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped physical damage coverage only to regret that it was a big error on their part. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

We just covered a lot of ways to reduce 1995 Mercury Grand Marquis insurance prices online. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. You may even discover the lowest premiums are with a lesser-known regional company. Smaller companies often have lower prices on specific markets than the large multi-state companies such as State Farm, GEICO and Nationwide.

Additional car insurance information can be read below: