1993 Mercury Grand Marquis Car Insurance Cost

Searching for lower car insurance rates for your Mercury Grand Marquis? Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. You have multiple car insurance companies to pick from, and even though it’s nice to have a selection, having more auto insurance companies makes it harder to compare rates and find the lowest cost car insurance.

Finding the best rates is not that difficult. If you have a current car insurance policy or need new coverage, you can follow these tips to find the best rates and possibly find even better coverage. Consumers just need to understand the most efficient way to shop online.

Automobile Insurance Quotes

Finding a lower price on 1993 Mercury Grand Marquis insurance can be relatively painless. Just take time to compare rate quotes provided by online insurance companies. This can be accomplished using a couple different methods.

The easiest and least time consuming way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This form eliminates the need for separate quote forms to each individual insurance coverage company. Just one form will return quotes from multiple low-cost companies.
A different way to analyze rates requires a trip to the website for every company you want to comare and complete a new quote form. For example, we’ll pretend you want rates from State Farm, Farmers and Geico. To find out each rate you need to visit each site and enter your policy data, which is why the first method is quicker.
For a list of links to insurance companies in your area, click here.
The most time-consuming way to get comparison rates is driving to local insurance agencies. The internet makes this process obsolete unless you prefer the professional advice of a local agent. However, consumers can comparison shop your insurance online and still use a local agent and we’ll touch on that later.

It doesn’t matter which method you choose, just make absolute certain that you use the exact same coverage limits and deductibles for each price quote. If you use mixed coverages it’s not possible to make an equal comparison.

But I don’t know anything about car insurance

When it comes to buying the right insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions might help in determining if your situation could use an agent’s help.

Is there coverage for injuries to my pets?
Can my teen driver be rated on a liability-only vehicle?
What if I don’t agree with a claim settlement offer?
Are there companies who specialize in insuring high-risk drivers?
Can I afford low physical damage deductibles?
Should I put collision coverage on all my vehicles?
Can I make deliveries for my home business?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Educate yourself about car insurance coverages

Learning about specific coverages of a car insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages offered by car insurance companies.

Liability coverages

This coverage protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as bail bonds, repair bills for other people’s vehicles, loss of income, pain and suffering and structural damage. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Coverage for collisions

This pays for damage to your Grand Marquis resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a mailbox, colliding with a tree, crashing into a ditch, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses such as funeral costs, nursing services and X-ray expenses. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 1993 Mercury Grand Marquis.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like vandalism, rock chips in glass, damage from a tornado or hurricane, damage from flooding and theft. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.