1994 Mercury Grand Marquis Car Insurance Rates – 6 Tips for Best Quotes

Are you regretting the purchase of an overpriced auto insurance policy? Don’t sweat it because many drivers feel the same as you. Drivers have multiple car insurance companies to pick from, and although it’s a good thing to have a selection, more options can take longer to compare rates and cut insurance costs.

You should make it a habit to take a look at other company’s rates before your policy renews due to the fact that insurance prices are variable and change quite frequently. Even if you got the lowest price on Grand Marquis insurance six months ago the chances are good that you can find a lower rate quote today. Block out anything you think you know about auto insurance because it’s time to teach you one of the quickest ways to save on auto insurance.

Ways to get auto insurance price quotes

Getting more affordable 1994 Mercury Grand Marquis auto insurance pricing can be quick and easy. Consumers just need to spend a few minutes comparing free car insurance quotes to find. This can be done in a couple of different ways.

If you don’t have a lot of time, the easiest way to find low rates would be an industry-wide quote request form (click to open form in new window). This easy form prevents you from having to do repetitive form submissions for each company you want a rate for. In just a few minutes this one form gets insurance cost estimates instantly.

A less efficient way to obtain and compare quotes online is to take the time to go to the website for every company you want to comare to complete their respective quote request forms. For instance, let’s say you want comparison quotes from Nationwide, 21st Century and Progressive. To find out each rate you need to spend time going to each site individually and repeatedly type in your coverage information, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

The least efficient way to find cheaper rates is calling or driving to insurance agents’ offices. The ability to buy insurance online reduces the need to sit down with an agent unless you’re the type of person who wants the peace of mind that only a licensed agent can provide. Although you can compare online quotes and have a local agent actually service the policy.

You can use whichever method you prefer to find lower rates, just compare equivalent quote data for every quote you compare. If each company quotes differing limits it’s not possible to make an equal comparison.

Buyer beware of car insurance advertising tricks

Consumers can’t escape the ads that promise big savings for switching from the likes of 21st Century, Allstate and State Farm. They all seem to make the promise about savings if you switch your car insurance policy to them.

Is it even possible that every company can save you money? This is the trick they use.

Many companies require specific criteria for the type of driver that will most likely be profitable. One example of a profitable customer may be a married male, has no claims, and the vehicle is rated for pleasure use. Any new insured that matches those criteria will get a cheap rate quote and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who are not a match for the “perfect” profile may be forced to pay more expensive rates and business not being written. If you pay attention, the ads say “drivers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s why companies can truthfully advertise the savings.

Each company has different criteria, so drivers should compare rate quotes every year. Because without a comparison, you cannot know which company will provide you with the cheapest auto insurance rates.

These six discounts can lower car insurance rates

Insurance can be prohibitively expensive, but there are discounts available that could drop your premiums quite a bit. A few discounts will automatically apply when you quote, but a few must be specially asked for before you get the savings.

  • Driver Education Discount – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents so you can save 10 percent or more.
  • Online Discount – A few car insurance companies will give you a small discount get car insurance on the internet.
  • Discount for Low Mileage – Maintaining low annual mileage can qualify you for slightly better premium rates than normal.
  • Sign Early and Save – Select insurance companies give a discount for buying a new policy before your current expiration date. You can save around 10% with this discount.
  • Telematics Data – Policyholders that allow companies to monitor their driving habits by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates as long as the data is positive.

You should keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, it’s just not the way it works.

A list of companies and their possible discounts are detailed below.

  • Esurance has discounts for defensive driver, online quote, safety device, good student, multi-policy, anti-lock brakes, and online shopper.
  • The Hartford offers premium reductions for bundle, anti-theft, good student, defensive driver, driver training, vehicle fuel type, and air bag.
  • AAA may have discounts that include AAA membership discount, good driver, multi-policy, good student, anti-theft, pay-in-full, and multi-car.
  • Geico discounts include multi-vehicle, federal employee, emergency military deployment, air bags, and military active duty.
  • State Farm may offer discounts for accident-free, driver’s education, multiple policy, Steer Clear safe driver discount, Drive Safe & Save, multiple autos, and student away at school.

When getting a coverage quote, ask each insurance company how you can save money. Some of the earlier mentioned discounts might not be available to policyholders in your area. To see insurance companies with discount car insurance rates, click here to view.

When do I need an agent’s advice?

When choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can help discover if your insurance needs will benefit from professional help.

  • Am I covered when driving a rental car?
  • Does my policy cover my teen driver if they drive my company car?
  • Where can I find high-risk insurance?
  • Am I missing any policy discounts?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is motorclub coverage worth it?
  • What is PIP insurance?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Insurance specifics

Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. These are typical coverages available from insurance companies.

Collision coverage

This covers damage to your Grand Marquis resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, sideswiping another vehicle, sustaining damage from a pot hole, hitting a mailbox and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as nursing services, funeral costs and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Liability

Liability coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like repair bills for other people’s vehicles, legal defense fees, medical services, repair costs for stationary objects and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1994 Mercury Grand Marquis.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, hail damage, rock chips in glass and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Make a quick buck

While you’re price shopping online, you should never reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice liability coverage limits only to regret at claim time that the savings was not a smart move. Your focus should be to buy a smart amount of coverage at the best possible price and still be able to protect your assets.

We’ve covered a lot of ways to shop for 1994 Mercury Grand Marquis insurance online. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even discover the best car insurance rates are with the least-expected company. These companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

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