1997 Mercury Grand Marquis Car Insurance Quotes – 7 Policy Discounts

Want the cheapest car insurance rates for your Mercury Grand Marquis? Are you at wits end from robbing Peter to pay Paul to buy car insurance? You are no different than many other consumers.

Numerous insurers battle for your business, and it can be difficult to compare rates and get the best coverage at the cheapest price

Consumers should take time to compare rates every six months since insurance prices change quite often. If you had the best deal on Grand Marquis coverage at your last renewal there may be better deals available now. Ignore everything you know about car insurance because you’re going to get a crash course in one of the easiest ways to reduce your cost while increasing coverage.

Compare insurance coverage rate quotes online

There are a lot of ways to compare insurance coverage quotes, but one way is more efficient than others. You could spend your day talking to insurance companies in your area, or you could use online quoting to get the quickest rates.

Many popular insurance companies enroll in a system that allows shoppers to send in one quote, and each company then returns a price quote for coverage. This system prevents you from having to do quote forms for each company you want a rate for.

To access this free quoting program, click to open in new window.

The single downside to using this type of form is you can’t choose the providers to receive prices from. If you prefer to choose specific providers for rate comparison, we have a listing of the cheapest insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just make darn sure you compare nearly identical quote information for every company. If you have higher or lower deductibles it’s not possible to determine the lowest rate for your Mercury Grand Marquis. Slightly different insurance coverages or limits could mean much higher rates. And when price shopping your coverage, more quotes helps increase your odds of locating a better price.

Your insurance coverage should be tailored to you

When choosing adequate coverage, there is no “perfect” insurance plan. Each situation is unique and your policy should reflect that. For instance, these questions might point out if your situation might need professional guidance.

  • How can I get high-risk coverage after a DUI?
  • Am I insured when driving a different vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Why am I required to buy high-risk coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • Can I drive in Mexico and have coverage?
  • Is upholstery damage covered by car insurance?
  • When do I need to add a new car to my policy?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Car insurance 101

Understanding the coverages of your insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.

Collision – Collision insurance pays for damage to your Grand Marquis from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for bills like doctor visits, funeral costs, pain medications, chiropractic care and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability coverages – This coverage can cover damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like bail bonds, legal defense fees, pain and suffering, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage – This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hail damage, a tree branch falling on your vehicle, hitting a deer, damage from flooding and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.