View 1993 Mercury Grand Marquis Insurance Cost

Are you burned out from sacrificing other expenses to pay car insurance each month? Your situation is no different than most other people.

Since people have many different company options, it is hard for the average consumer to find a lower cost insurer.

Car insurance discounts are available to reduce your rates

Some insurance providers don’t always publicize all their discounts in an easy-to-find place, so the list below contains both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance coverage online.

  • Passive Restraints – Cars that have air bags can qualify for discounts up to 30%.
  • Homeowners Pay Less – Simply owning a home can get you a discount since home ownership requires a higher level of personal finance.
  • Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • No Claims – Drivers who stay claim-free pay much less compared to frequent claim filers.
  • Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you may have a lower total premium amount.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like comp or med pay. Even though the math looks like you would end up receiving a 100% discount, companies don’t profit that way.

Popular car insurance companies and a selection of discounts are:

  • Farm Bureau may include discounts for multi-vehicle, youthful driver, safe driver, renewal discount, 55 and retired, and driver training.
  • State Farm offers discounts for passive restraint, accident-free, Drive Safe & Save, good driver, student away at school, and safe vehicle.
  • Progressive discounts include homeowner, online signing, good student, online quote discount, continuous coverage, and multi-vehicle.
  • Allstate may offer discounts for anti-lock brakes, defensive driver, resident student, passive restraint, and good student.
  • Nationwide includes discounts for good student, defensive driving, business or organization, family plan, Farm Bureau membership, and accident-free.
  • MetLife has discounts for good student, accident-free, defensive driver, multi-policy, good driver, and claim-free.

If you need low cost insurance coverage quotes, ask every insurance company which discounts you may be entitled to. A few discounts may not apply to policies in your area. To locate insurers that offer multiple discounts, click this link.

How to compare car insurance rate quotes

All major car insurance companies give coverage prices directly from their websites. This process is very simple because you just enter the coverages you want as detailed in the form. Once entered, their quoting system will order your credit score and driving record and returns a price based on these and other factors. This makes comparing rates easy, but the time it takes to visit different websites and type in your information can be a bit repetitive. But it’s also necessary to perform this step in order to find lower prices.

The easy way to compare rates

An easier way to get multiple rate quotes uses just one form to return rates from multiple companies. It’s a real time-saver, eliminates repetitive work, and makes online price comparison a lot less work. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any one of the price quotes you receive. If the quotes result in lower rates, it’s easy to complete the application and buy the policy. The whole process can be completed in a matter of minutes and can result in significant savings.

To save time and compare rates now, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you enter the coverages as close as possible to your current policy. Doing this assures you will be getting an apples-to-apples comparison based on the exact same insurance coverage.

Everyone needs different car insurance coverages

When it comes to buying proper insurance coverage, there really is not a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that may help you determine whether your personal situation may require specific advice.

  • What is an SR-22 filing?
  • Do I have any recourse if my insurance company denies a claim?
  • How high should deductibles be on a 1993 Mercury Grand Marquis?
  • When can my company non-renew my policy?
  • Why does it cost so much to insure a teen driver?
  • What is medical payments coverage?
  • Am I covered if I wreck a rental car?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Specific coverage details

Learning about specific coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from flooding, rock chips in glass, fire damage and vandalism. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability

Liability coverage protects you from damage that occurs to other people or property. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like emergency aid, attorney fees and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for immediate expenses like ambulance fees, hospital visits, doctor visits and surgery. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Mercury Grand Marquis.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Collision protection

Collision insurance covers damage to your Grand Marquis caused by 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 coverage pays for claims like crashing into a ditch, hitting a parking meter, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also choose a higher deductible to bring the cost down.

Find Good Coverage for Less

While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, someone sacrificed physical damage coverage and learned later that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

Cheaper auto insurance is attainable on the web in addition to many insurance agents, so you need to shop insurance coverage with both to have the best selection. Some insurance providers may not offer the ability to get a quote online and these small, regional companies prefer to sell through local independent agents.

You just read a lot of ways to compare 1993 Mercury Grand Marquis insurance premium rates online. It’s most important to understand that the more companies you get prices for, the better chance you’ll have of finding cheap insurance coverage. You may even find the biggest savings come from the least-expected company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

Additional information can be read at the links below