1990 Mercury Grand Marquis Insurance Quotes – 7 Policy Discounts

Buyers have lots of choices when searching for the best price on Mercury Grand Marquis insurance. They can either spend hours contacting agents getting price quotes or save time using the internet to make rate comparisons.

There are both good and bad ways to shop for auto insurance so we’re going to tell you the quickest way to compare rates for a new or used Mercury and locate the lowest price either online or from local insurance agents.

It’s a good habit to check auto insurance prices at least once a year because auto insurance prices trend upward over time. Despite the fact that you may have had the lowest rates for Grand Marquis coverage a year ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate one of the easiest ways to eliminate unnecessary coverages and save money.

The purpose of this post is to help educate you on how to get online quotes and some money-saving tips. If you are paying for car insurance now, you will be able to lower your premiums substantially using these tips. Drivers only need an understanding of the most effective way to get comparison quotes online.

Save money by taking advantage of these seven discounts

Not too many consumers would say auto insurance is affordable, but discounts can save money and there are some available that could drop your premiums quite a bit. Certain reductions will be credited when you complete an application, but some may not be applied and must be specifically requested in order for you to get them.

  • Low Mileage – Maintaining low annual mileage can earn discounted prices on garaged vehicles.
  • Good Grades Discount – Being a good student can save 20 to 25%. This discount can apply up until you turn 25.
  • Multiple Vehicles – Drivers who insure multiple cars or trucks with one company qualifies for this discount.
  • Include Life Insurance and Save – Not all auto insurance companies offer life insurance, but some may give you lower auto insurancerates if you buy life insurance.
  • Buy New and Save – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Passive Restraints – Vehicles equipped with air bags can get savings of 25 to 30%.
  • Club Memberships – Being a member of specific professional or occupational memberships or organizations is a simple method to lower premiums on your bill.

As a footnote on discounts, some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, auto insurance companies aren’t that generous. But all discounts will definitely reduce your overall premium however.

A few of the larger companies and the discounts they provide are shown below.

  • American Family offers discounts including Steer into Savings, accident-free, mySafetyValet, good driver, bundled insurance, and early bird.
  • Farm Bureau may include discounts for youthful driver, 55 and retired, driver training, good student, and multi-policy.
  • State Farm policyholders can earn discounts including anti-theft, accident-free, Steer Clear safe driver discount, driver’s education, student away at school, multiple autos, and good driver.
  • Travelers includes discounts for save driver, multi-policy, continuous insurance, student away at school, new car, and hybrid/electric vehicle.
  • The Hartford has savings for driver training, good student, defensive driver, anti-theft, and vehicle fuel type.
  • GEICO may offer discounts for anti-theft, multi-vehicle, federal employee, driver training, military active duty, air bags, and membership and employees.
  • Progressive discounts include multi-vehicle, homeowner, online quote discount, good student, online signing, and continuous coverage.

Double check with every insurance company which discounts you may be entitled to. Some discounts listed above may not apply in every state. To find auto insurance companies that offer multiple discounts, click here.

How to get the cheapest insurance

Reducing your 1990 Mercury Grand Marquis insurance rates can be relatively painless. You just have to spend a few minutes comparing free auto insurance quotes from some recommended companies. Insurance prices can be quoted using a couple different methods.

  1. The most efficient method to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This easy form keeps you from doing separate forms for each company you want a rate for. One form submission will return price quotes from multiple low-cost companies. Just one form and you’re done.
  2. A different way to compare prices is spending the time to visit each company website and repeat the quote process again and again. For examples sake, let’s say you want rates from Liberty Mutual, 21st Century and Progressive. You would be required to go to every website and type in your information over and over, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.
  3. The most difficult way to get price estimates is driving around to insurance agencies in your area. Buying insurance online eliminates this option unless you want the trained guidance that only a licensed agent can provide. It is possible to compare the best prices online but have your policy serviced through an agent.

Whichever way you use, make absolute certain that you use apples-to-apples coverages with each company. If each company quotes different limits and deductibles on each one it will be nearly impossible to truly determine the lowest rate.

How much insurance coverage do I need?

When choosing coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique.

These are some specific questions may help highlight if your insurance needs would benefit from professional advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • When should I not file a claim?
  • When should I remove comp and collision on my 1990 Mercury Grand Marquis?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does liability extend to a camper or trailer?
  • Am I better off with higher deductibles on my 1990 Mercury Grand Marquis?
  • Do I have coverage when using my vehicle for my home business?
  • Am I covered when delivering products for my home-based business?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Auto insurance policy specifics

Understanding the coverages of a auto insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1990 Mercury Grand Marquis.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like chiropractic care, pain medications, doctor visits and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive auto coverage – This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, falling objects and rock chips in glass. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision – This coverage pays for damage to your Grand Marquis resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, hitting a mailbox, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for liability – Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like pain and suffering, loss of income and medical expenses. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Be a Smart Shopper

Insureds who switch companies do it for a variety of reasons including delays in paying claims, delays in responding to claim requests, being labeled a high risk driver or even poor customer service. Regardless of your reason, choosing a new insurance company is less work than it seems.

When you buy auto insurance online, never reduce needed coverages to save money. There have been many cases where someone dropped physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage for the lowest cost while still protecting your assets.

There are still a few companies who do not offer price quotes online and these smaller providers only sell through independent agents. Lower-priced 1990 Mercury Grand Marquis insurance can be purchased from both online companies and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from.

Much more information about insurance coverage is located at these links: