1991 Mercury Grand Marquis Insurance Rates – 5 Tips to Save

Are you regretting the purchase of an underperforming, overpriced insurance coverage policy? Don’t sweat it because you’re not alone.

Consumers have multiple auto insurance companies to pick from, and though it is a good thing to be able to choose, it can be more difficult to get the best deal.

How to compare free insurance coverage price quotes

There are a variety of methods to compare insurance coverage prices but some are more efficient than others. You could spend your day talking about coverages with agents in your area, or you can stay home and use the internet to get prices fast.

All the larger companies participate in a marketplace where insurance shoppers only type in their quote data once, and every company can give them a price based on the submitted data. This system prevents you from having to do quotation requests to every company.

To fill out one form to compare multiple rates now click here to start a free quote.

One minor caviat to doing it this way is you don’t know exactly which insurance companies to receive prices from. So if you prefer to choose individual companies for rate comparison, we put together a list of insurance coverage companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but be sure you’re using the same quote data for each quote you get. If each company quotes different limits and deductibles on each one you can’t possibly truly determine the lowest rate. Slightly different coverage limits may result in large price differences. Just remember that having more price comparisons increases the change that you will find better pricing.

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More discounts mean lower-cost premiums

Not too many consumers would say car insurance is affordable, but you can get discounts that many people don’t even know exist. Certain reductions will be credited when you purchase, but less common discounts must be specially asked for before being credited.

• Multi-policy Discount – When you combine your home and auto insurance with the same company you could earn a discount of as much as 10 to 15 percent.
• Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 25 to 30%.
• Federal Employees – Having worked for a branch of the government may reduce rates when you quote insurance coverage for Grand Marquis coverage with select insurance companies.
• Life Insurance – Insurance carriers who offer life insurance give a lower car insurance rate if you buy life insurance from them.
• Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.

Policy discounts save money, but some credits don’t apply the the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though it appears all the discounts add up to a free policy, companies don’t profit that way.

Large car insurance companies and a selection of discounts can be read below.

• Geico discounts include anti-lock brakes, military active duty, multi-policy, five-year accident-free, and federal employee.
• Auto-Owners Insurance includes discounts for safe vehicle, anti-theft, student away at school, mature driver, multiple vehicles, paperless, and group or association.
• American Family may have discounts that include good driver, bundled insurance, Steer into Savings, mySafetyValet, good student, and defensive driver.
• Esurance offers premium reductions for emergency road assistance, Pac-12 alumni, DriveSense, anti-lock brakes, and good driver.
• Progressive has savings for continuous coverage, multi-policy, online quote discount, online signing, homeowner, good student, and multi-vehicle.
• State Farm may include discounts for safe vehicle, good driver, driver’s education, good student, multiple policy, student away at school, and Drive Safe & Save.
• AAA may offer discounts for good driver, anti-theft, education and occupation, good student, pay-in-full, multi-car, and multi-policy.

It’s a good idea to ask all the companies to give you their best rates. Discounts may not apply in every state. If you would like to choose from a list of companies that offer multiple discounts, click here.

It’s not one size fits all

When buying coverage for your vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions could help you determine if you might need professional guidance.

• If my pet gets injured in an accident are they covered?
• Is my ex-spouse still covered by my policy?
• Is pleasure use cheaper than using my 1991 Mercury Grand Marquis to commute?
• Am I getting all the discounts available?
• Am I covered when driving on a suspended license?
• Should I waive the damage coverage when renting a car?
• Do I benefit by insuring my home with the same company?
• Is my 1991 Mercury Grand Marquis covered for flood damage?
• Am I covered if I wreck a rental car?
• Why am I required to buy high-risk coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Can you really save $441 a year?

Auto insurance providers like Progressive, Allstate and Geico constantly bombard you with ads on television and other media. All the ads state the claim that drivers will save a bundle if you switch your policy. How does every auto insurance company give you a better price?

Insurance providers look for specific characteristics for the type of driver that earns them a profit. One example of a desirable risk may be over the age of 50, has never had a policy lapse, and drives a safe vehicle. Any customer who fits that profile gets the lowest rates and therefore will save some money.

Potential customers who don’t meet these stringent criteria may be forced to pay a higher rate which leads to business going elsewhere. The ads state “drivers that switch” not “everyone who quotes” save that much when switching. That’s the way insurance companies can make claims like that.

Because of this risk profiling, you really should do a quote comparison often. It’s just too difficult to predict which auto insurance company will provide the lowest prices.

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Coverage specifics

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a broken windshield, fire damage, hail damage and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability insurance

Liability coverage can cover damage or injury you incur to other people or property by causing an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for things like court costs, bail bonds, repair bills for other people’s vehicles, funeral expenses and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like ambulance fees, prosthetic devices, X-ray expenses, dental work and hospital visits. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

A tidy conclusion

In this article, we presented a lot of techniques to compare 1991 Mercury Grand Marquis insurance car insurance rates online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. Smaller companies can often provide lower premium rates in certain areas compared to the large companies like Geico and State Farm.

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice liability limits or collision coverage to discover at claim time that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Much more information about auto insurance can be found at the links below

• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)

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