1992 Mercury Grand Marquis Insurance Quotes – 5 Savings Tips

If you are new to online price comparisons, chances are good that you are overwhelmed due to the large selection of car insurance companies vying for business.

If you are paying for car insurance now, you will be able to cut costs considerably using these methods. Pricing the lowest cost auto insurance coverage is simple if you know the tricks. But drivers do need to understand the methods companies use to compete online and apply this information to your search.

Compare auto insurance quotes online

There are several ways to compare rate quotes from different insurance companies. By far the easiest way to compare rates is to use the internet to compare rates. This can be done in just a few minutes using one of these methods.

1. One of the fastest ways to get the best comparison quotes is a comparison rater form (click to open form in new window). This style of form saves time by eliminating separate quote forms to each individual auto insurance company. Completing one form will return price quotes direct from many companies. Recommended for those who want to invest the least amount of time.
2. Another way to find more affordable insurance is spending the time to visit the website of each company to complete a price quote. For examples sake, let’s say you want to compare Auto-Owners, State Farm and Progressive. You would need to navigate to each company’s site and type in your information over and over, which is not fast way to get rate quotes.

   To view a list of companies in your area, click here.

3. The least efficient and most time consuming way to shop rates is calling or driving to each insurance agency near you. The ability to buy insurance online can eliminate the need for a local agent unless you’re the type of person who wants the trained advice that you can only get from talking to an agent. If you prefer, some companies allow you to price shop your coverage online and have a local agent actually service the policy.

It’s up to you how you get prices quotes, just do your best to use nearly identical coverage limits and deductibles for every company. If you enter different deductibles you will not be able to determine the lowest rate for your Mercury Grand Marquis. Just a small difference in coverage limits may result in a large different in cost. And when comparing auto insurance rates, know that comparing more quotes will improve the odds of getting a lower rate than you’re paying now. Not every company does prices over the internet, so it’s important to also get price estimates from them, too.

Car insurance can be complex

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions could help you determine if your insurance needs would benefit from an agent’s advice.

• Is extra glass coverage worth it?
• Do I have coverage when using my vehicle for my home business?
• Can I rent a car in Mexico?
• Is a new car covered when I drive it off the dealer lot?
• How can I force my company to pay a claim?
• Will filing a claim cost me more?
• Am I missing any policy discounts?
• How much liability insurance is required?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverages

Understanding the coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, rock chips in glass, vandalism and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Mercury Grand Marquis.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Auto liability

Liability coverage will cover damage or injury you incur to a person or their property. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like repair costs for stationary objects, legal defense fees and funeral expenses. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like nursing services, doctor visits and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage