1994 Mercury Grand Marquis Insurance Rates – 9 Ideas for Cheaper Quotes

Finding cheaper car insurance could be very difficult for drivers who are new to shopping for insurance online. You have so many companies to choose from that it can turn into a burden to find more affordable rates.

If you have car insurance now, you will be able to lower your premiums substantially using this information. Pricing the best protection is quite easy. But consumers must learn the methods companies use to sell insurance online and apply this information to your search.

How to buy car insurance online

To get inexpensive insurance quotes, there a variety of ways of comparing rate quotes from all the different companies. The quickest method to find the lowest 1994 Mercury Grand Marquis rates involves getting comparison quotes online. This can be done by using one of the methods below.

  1. The easiest and least time consuming way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This easy form saves time by eliminating separate quotes to each individual car insurance company. A single, simple form will get you rate comparisons from several companies. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to find more affordable insurance requires you to visit each individual company website and request a quote. For examples sake, let’s say you need rates from Auto-Owners, State Farm and American Family. You would need to go to every website to input your insurance information, which is why the first method is more popular. For a list of companies in your area, click here.

Compare rates however you want, just be certain you are entering equivalent coverage information for each comparison quote. If you use different coverage information you will not be able to determine the best price for your Mercury Grand Marquis. Slightly different insurance coverages or limits could mean much higher rates. Just remember that having more price comparisons will enable you to find a lower rate. Not every company does online price quotes, so you need to compare price quotes from the smaller companies as well.

Auto insurance can get complicated

When choosing adequate coverage, there really is not a single plan that fits everyone. Every situation is different.

For instance, these questions could help you determine whether you could use an agent’s help.

  • Does insurance cover tools stolen from my truck?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my insurance cover a custom paint job?
  • When do I need to add a new car to my policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, complete this form.

Auto insurance 101

Knowing the specifics of your policy can be of help when determining the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as backing into a parked car, colliding with a tree, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Mercury Grand Marquis.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Liability car insurance

This coverage will cover damage that occurs to a person or their property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like court costs, medical expenses, funeral expenses, bail bonds and emergency aid. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like hospital visits, dental work, doctor visits, EMT expenses and funeral costs. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as a broken windshield, hail damage and damage from flooding. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.