1997 Mercury Grand Marquis Car Insurance Quotes – 6 Ways to Save

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Looking for the cheapest insurance coverage rates for your Mercury Grand Marquis? Are you sick and tired of being strong-armed each month for car insurance? You’re in the same situation as millions of other consumers.

Consumers have many car insurance companies to pick from, and even though it’s nice to have a choice, it makes it harder to compare rates and find the lowest cost insurance coverage.

The fastest way that we advise to compare rate quotes utilizes the fact most insurance companies allow for online access to compare rate quotes. The only thing you need to do is spend a couple of minutes providing details including if you’re married, the year, make and model of vehicles, if you went to college, and the ages of drivers. Your insurance information gets transmitted to multiple different insurance companies and they return rate quotes instantly.

To compare rates now, click here and enter your zip code.

Slick advertising tricks that work

Insurance coverage providers like 21st Century, Allstate and State Farm continually stream ads on TV and radio. They all make an identical promise about savings after switching your coverage to them. How do they all claim to save you money? It’s all in the numbers.

All companies have a preferred profile for the right customer they prefer to insure. For example, a driver they prefer could possibly be a mature driver, owns a home, and drives less than 10,000 miles a year. Any driver who fits that profile will get very good rates and most likely will save quite a bit of money when switching.

Drivers who do not match the requirements will be quoted more money and ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone that quotes” save that much. That’s the way companies can truthfully make the claims of big savings. This emphasizes why it is so important to get as many comparisons as possible. Because you never know which insurance companies will give you the biggest savings on Mercury Grand Marquis insurance.

Don’t miss out on these six money-saving discounts

Companies offering auto insurance do not advertise all available discounts in a way that’s easy to find, so we break down some of the more common as well as the least known auto insurance savings.

  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Accident Forgiveness – Some insurance companies will forgive one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Claim Free – Drivers who don’t have accidents pay less when compared with frequent claim filers.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class in school.
  • Own a Home – Simply owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

A partial list of companies that possibly offer these benefits include:

Before buying, ask each insurance company which discounts they offer. Some discounts might not be offered in your area.

Do I need special coverages?

When buying the right insurance coverage, there isn’t really a cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.

  • What happens if I owe more than my 1997 Mercury Grand Marquis is worth?
  • Where can I find DUI or SR-22 insurance?
  • Do I need an umbrella policy?
  • Does my insurance cover my expensive audio equipment?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • When would I need rental car insurance?
  • Is my trailer covered?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Insurance coverages 101

Having a good grasp of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Liability coverages – This can cover damage or injury you incur to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see 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 total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like structural damage, medical expenses, medical services and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Mercury Grand Marquis.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage – Collision coverage pays for damage to your Grand Marquis resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, scraping a guard rail, crashing into a ditch and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, a broken windshield and rock chips in glass. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like X-ray expenses, prosthetic devices, chiropractic care, EMT expenses and pain medications. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Get your money’s worth

Discount 1997 Mercury Grand Marquis insurance can be sourced both online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

You just read quite a bit of information on how to get a better price on insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced auto insurance comes from a small mutual company. They can often provide lower rates in certain areas as compared to the big name companies such as Allstate or State Farm.

Additional detailed information can be found in the articles below:

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