Cheap 1996 Mercury Grand Marquis Insurance Rates

Trying to find lower auto insurance rates for your Mercury Grand Marquis? Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out.

Popular companies such as Geico and Progressive promote their brand names with ad campaigns and it is difficult to see through the cute green geckos and mayhem and find the best price available.

Smart consumers take time to take a look at other company’s rates at least once a year due to the fact that insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price on Grand Marquis coverage last year a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because you’re about to find out the fastest and easiest way to eliminate unnecessary coverages and save money.

Discounts to lower Mercury Grand Marquis insurance rates

Insuring your fleet can be pricey, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be specially asked for before you get the savings.

  • Organization Discounts – Being a member of certain professional organizations could trigger savings when buying auto insurance on Grand Marquis coverage.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get reduced rates on Grand Marquis coverage.
  • Passive Restraints and Air Bags – Cars that have air bags may earn rate discounts of 20% or more.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Accident Waiver – Certain companies allow you one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% on Grand Marquis coverage with a few auto insurance companies.

It’s important to understand that most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts will cut the cost of coverage.

Car insurance companies that possibly offer these discounts are:

Before buying, ask every prospective company which discounts you may be entitled to. Savings may not be available in your state.

Tailor your coverage to you

When buying adequate coverage, there really is no one size fits all plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that may help you determine whether or not you might need professional guidance.

  • Is extra glass coverage worth it?
  • Does my medical payments coverage pay my health insurance deductible?
  • What is roadside assistance coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I need replacement cost coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Should I put collision coverage on all my vehicles?
  • When should I remove comp and collision on my 1996 Mercury Grand Marquis?
  • How much liability coverage do I need in my state?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

Can you really save $431 a year?

Companies like State Farm, Geico and Progressive constantly bombard you with ads on TV and radio. All the ads have a common claim about savings if you switch your coverage to them. How does each company say the same thing? It’s all in the numbers.

All the different companies can use profiling for the right customer that is profitable for them. An example of a profitable customer might be profiled as between 25 and 40, has no prior claims, and has great credit. A customer getting a price quote who matches those parameters is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Drivers who are not a match for this ideal profile must pay higher prices and ends up with the customer not buying. The ad wording is “people who switch” not “people who quote” save money. That’s the way companies can truthfully claim big savings.

This illustrates why you absolutely need to quote coverage with many companies. It is impossible to predict which company will fit your personal profile best.

The coverage is in the details

Knowing the specifics of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. These are typical coverages available from auto insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills for pain medications, hospital visits, ambulance fees and doctor visits. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

Liability insurance will cover damage that occurs to other people or 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. As an example, you may have limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like repair bills for other people’s vehicles, repair costs for stationary objects, attorney fees, structural damage and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, theft, damage from flooding and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage covers damage to your Grand Marquis resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a mailbox, backing into a parked car, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Mercury Grand Marquis.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Be a penny pincher

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage for the lowest price.

Affordable 1996 Mercury Grand Marquis insurance can be bought on the web in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

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