View 1997 Mercury Grand Marquis Insurance Rates

Searching for better insurance coverage rates for your Mercury Grand Marquis? Locating the lowest price insurance coverage might seem overwhelming for vehicle owners new to quoting and comparing rates and buying insurance coverage over the internet. With so many insurance agents and online companies available, how can vehicle owners possibly compare each option to find the best available price?

It’s a good idea to quote other rates once or twice a year since insurance prices change frequently. Just because you had the lowest rate for Grand Marquis coverage last year you can probably find a lower rate today. You can search a lot of insurance coverage on the web, but in just a couple of minutes you can learn some great ways to lower your insurance coverage rates.

Discounts for lower-cost insurance coverage quotes

Insurance can be prohibitively expensive, but discounts can save money and there are some available that many consumers don’t even know exist. A few discounts will automatically apply when you complete an application, but some may not be applied and must be requested specifically before they will apply.

  • Auto/Life Discount – Insurance carriers who offer life insurance give a discounted insurance coverage rate on car insurance if you buy some life insurance too.
  • New Car Discount – Buying a new car instead of a used car can save up to 30% because newer models have to meet stringent safety requirements.
  • Military Rewards – Having a deployed family member may lower your rates slightly.
  • Bundle and Save – If you have multiple policies with one company you may save 10% to 20% off each policy.
  • ABS Brakes – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Early Renewal Discounts – Select companies give a discount for buying a policy prior to your current policy expiring. This discount can save up to 10%.
  • Driver’s Education for Students – It’s a good idea to have your young drivers enroll and complete driver’s education as it will make them better drivers and lower rates.

One thing to note about discounts is that some of the credits will not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you could get a free insurance coverage policy, you’re out of luck.

Companies and a selection of discounts can be read below.

  • Progressive offers premium reductions for continuous coverage, good student, online signing, homeowner, and multi-policy.
  • MetLife has savings for good driver, accident-free, claim-free, multi-policy, good student, and defensive driver.
  • Mercury Insurance may have discounts that include annual mileage, age of vehicle, type of vehicle, anti-theft, and low natural disaster claims.
  • Nationwide may include discounts for Farm Bureau membership, accident-free, family plan, good student, multi-policy, defensive driving, and business or organization.
  • GEICO offers discounts for good student, multi-vehicle, air bags, multi-policy, military active duty, and driver training.
  • AAA discounts include anti-theft, multi-policy, good driver, pay-in-full, AAA membership discount, good student, and multi-car.

Before purchasing a policy, check with each company which discounts you may be entitled to. Discounts might not be available to policyholders in your state. To view providers who offer insurance coverage discounts, click here.

What determines Mercury Grand Marquis insurance costs?

Part of the auto insurance buying process is learning the different types of things that help determine the level of your policy premiums. If you understand what determines base rates, this empowers consumers to make smart changes that may result in better auto insurance rates. Multiple criteria are considered when pricing auto insurance. Some factors are common sense such as your driving history, although others are less obvious like your continuous coverage or how financially stable you are.

  • Never go without auto insurance – Not maintaining insurance is a big no-no and as a result your rates will increase for letting your coverage cancel without a new policy in place. In addition to paying higher premiums, getting caught without coverage may earn you a fine, jail time, or a revoked license.
  • How old are your drivers? – Mature drivers tend to be more responsible, cause fewer claims and accidents and get fewer tickets.Young drivers are proven to be less responsible when driving with friends so they pay higher auto insurance rates.
  • Your car’s features help determine prices – Choosing a vehicle with a theft deterrent system can save you some money. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your car from being stolen.
  • What are your coverage deductibles? – Comprehensive and collision coverage deductibles are the amount of money you are required to pay in the event of a claim. Insurance for physical damage, also called ‘full coverage’, insures against damage to your car. Some instances where coverage would apply would be rearending another vehicle, collision with a deer, and having a roll-over accident. The higher the amount you have to pay, the lower your rates will be for Grand Marquis coverage.
  • Marriage pays dividends – Having a wife or husband can get you a discount on your auto insurance policy. Having a significant other translates into being less irresponsible and insurance companies like that married drivers tend to file fewer claims.
  • The more you drive the more you pay – Driving a lot of miles annually the higher your rate. A lot of insurance companies apply a rate partially by how you use the vehicle. Cars and trucks that do not get driven very much can be on a lower rate level than vehicles that have high annual mileage. A policy that improperly rates your Grand Marquis is throwing money out the window. Make sure your policy is showing annual mileage.

You may need specialized insurance coverage coverage

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

For instance, these questions could help you determine whether your personal situation may require specific advice.

  • Does my insurance cover my expensive audio equipment?
  • Is upholstery damage covered by car insurance?
  • What happens if I owe more than my 1997 Mercury Grand Marquis is worth?
  • Am I covered if I hit my neighbor’s mailbox?
  • Will my rates increase for filing one claim?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I sign the liability waiver when renting a car?
  • What is the difference between comprehensive and collision coverage?
  • How can I get my company to pay me more for my totalled car?
  • Where can I find DUI or SR-22 insurance?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverages for a 1997 Mercury Grand Marquis

Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, fire damage, rock chips in glass, damage from getting keyed and falling objects. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Mercury Grand Marquis.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Collision coverage protection

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

Collision can pay for things such as driving through your garage door, crashing into a building, hitting a parking meter, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like loss of income, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like ambulance fees, prosthetic devices, doctor visits, X-ray expenses and hospital visits. They can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Compare but don’t skimp

People change insurance companies for a variety of reasons including being labeled a high risk driver, policy cancellation, an unsatisfactory settlement offer or even questionable increases in premium. It doesn’t matter what your reason, choosing a new company is not as difficult as it may seem.

We covered a lot of ways to reduce 1997 Mercury Grand Marquis insurance prices online. The most important thing to understand is the more you quote insurance, the better your chances of lowering your rates. You may even find the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

Budget-friendly insurance can be bought from both online companies as well as from insurance agents, so you need to quote insurance with both in order to have the best price selection to choose from. A few companies don’t offer the ability to get quotes online and these regional carriers sell through independent agents.

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