View 1994 Mercury Grand Marquis Car Insurance Rates

Paying for overpriced Mercury Grand Marquis insurance can bleed your accounts and make it hard to pay other bills. Comparing rate quotes is free, only takes a few minutes, and is a good way to cut your insurance bill.

Due to the large number of options when it comes to car insurance, it can be impossible to choose the cheapest company.

It’s a good idea to get comparison quotes yearly due to the fact that insurance rates change frequently. Just because you found the best deal for Grand Marquis insurance a few years ago other companies may now be cheaper. Ignore everything you know about car insurance because I’m going to let you in on the secrets to one of the best ways to find great coverage at a great price.

Compare auto insurance quotes

There are several ways you can shop for auto insurance but some are more efficient than others. You could waste time discussing policy coverages with agents in your area, or you can stay home and use the internet to achieve your goal.

All the larger companies participate in an industry program that enables customers to enter their coverage request one time, and at least one company returns a competitive quote based on that information. This prevents consumers from doing quote requests to every company.

To find out how much you’re overpaying now click here to open in new window.

The single downside to pricing coverage this way is you don’t know exactly which carriers to get pricing from. So if you want to select specific insurance companies to compare, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just make sure you are using exactly the same deductibles and coverage limits on every quote. If each company quotes different data you will not be able to get a fair rate comparison.

When do I need an agent’s advice?

When choosing coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that might point out whether your personal situation might need an agent’s assistance.

  • Do I pay less if my vehicle is kept in my garage?
  • What is UM/UIM insurance?
  • Should I buy additional glass protection?
  • Do I need replacement cost coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Why do I only qualify for high-risk insurance?
  • Does my insurance cover my expensive audio equipment?
  • Is upholstery damage covered by car insurance?
  • Is there coverage for injuries to my pets?
  • When should I drop full coverage on my 1994 Mercury Grand Marquis?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can help protect your family.

Specific coverage details

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average auto insurance policy.

Liability

Liability coverage will cover damage or injury you incur to people or other property in an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as structural damage, medical services, attorney fees, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Collision protection

Collision coverage pays for damage to your Grand Marquis resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sustaining damage from a pot hole, rolling your car, sideswiping another vehicle, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

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

Comprehensive coverage pays for things like falling objects, damage from getting keyed, theft and fire damage. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Mercury Grand Marquis.

Since 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 a good idea.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for nursing services, hospital visits, rehabilitation expenses and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay