Save on 1997 Mercury Grand Marquis Insurance Quotes

Having to pay for overpriced car insurance can dwindle your personal savings and put the squeeze on your family’s finances. Comparing price quotes is a smart way to make sure you’re not throwing money away.

Insurance companies such as Geico, Progressive and Allstate continually hit you with advertising and it can be hard to separate fact from fiction and effectively compare rates to find the best deal.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these methods. Finding the best rates is not that difficult. Nevertheless, consumers need to have an understanding of how companies determine prices and use this information to your advantage.

You probably qualify for some discounts

Car insurance companies don’t always publicize all their discounts very well, so we break down both the well known as well as the least known car insurance savings.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Student in College – Any of your kids who live away from home and do not have a car may qualify for this discount.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get better car insurance rates on Grand Marquis insurance.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Driver Safety – Taking part in a driver safety course can save you 5% or more depending on where you live.
  • Memberships – Affiliation with certain professional organizations could trigger savings when buying car insurance on Grand Marquis insurance.
  • Multiple Policy Discount – When you have multiple policies with the same company you will save approximately 10% to 15%.
  • E-sign – Some insurance companies may give you up to $50 for buying your policy online.

It’s important to understand that most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way.

For a list of insurance companies offering car insurance discounts, click here to view.

Comprehensive Car Insurance Comparison

There are several ways of comparing rates from car insurance companies in your area. The best method to find the lowest 1997 Mercury Grand Marquis rates is to get quotes online. It is quite easy and can be accomplished in a couple of different ways.

  1. The easiest and least time consuming way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form keeps you from doing multiple quote forms for each company. In just a few minutes this one form will get you price quotes from all major companies.
  2. A more difficult way to shop for car insurance online requires a trip to the website of each company and request a quote. For instance, let’s say you want to compare Nationwide, State Farm and Progressive. To get each rate you have to take the time to go to each site to enter your coverage information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but be sure to compare apples-to-apples coverages and limits with every price quote. If your comparisons have different values for each quote it’s impossible to determine which rate is truly the best. Slightly different limits may result in large price differences. It’s important to know that more quotes gives you a better chance of getting a better price.

There’s no such thing as the perfect policy

When buying proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique so your insurance needs to address that. For example, these questions can help discover whether or not you might need an agent’s assistance.

  • Do I need added coverage for expensive stereo equipment?
  • Do I pay less if my vehicle is kept in my garage?
  • When should my teen driver be added to my policy?
  • Is my 1997 Mercury Grand Marquis covered for flood damage?
  • Will my rates increase for filing one claim?
  • Is a fancy paint job covered?
  • Do I need to file an SR-22 for a DUI in my state?
  • What is the rate difference between pleasure use and commuting?
  • Why am I required to buy liability insurance?
  • Should I get collision insurance on every vehicle?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Coverages available on your auto insurance policy

Knowing the specifics of auto insurance can help you determine which coverages you need for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages offered by auto insurance companies.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, a broken windshield and falling objects. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

This will pay to fix damage to your Grand Marquis resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1997 Mercury Grand Marquis.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability insurance

Liability insurance will cover damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims, and does not provide coverage for 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 commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like medical services, repair costs for stationary objects, court costs and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills like pain medications, X-ray expenses, surgery and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Have money to burn

In this article, we covered some good ideas how to get a better price on 1997 Mercury Grand Marquis insurance. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate and Progressive.

Cheaper insurance can be purchased on the web and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who do not offer online price quotes and these regional insurance providers work with independent agents.

As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. There have been many situations where someone dropped full coverage only to find out that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

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