Car Insurance Quotes for the Mercury Grand Marquis

Mercury no longer makes or sells the Grand Marquis, but that doesn’t mean no one drives it anymore. Some still do, and if you’re one of those drivers, your annual car insurance rates are $1,224 for minimum coverage and $1,824 for full coverage. That’s much cheaper than annual premiums for newer full-size sedans.

Freeway Insurance offers cheap auto insurance plans that meet your needs and budget. Our agents are ready to help you find the best policy for your Grand Marquis at the best possible rate.

If you’re looking to insure your car, you have multiple policy options to choose from including minimum liability insurance or full coverage.

A minimum liability policy is the cheapest of the two and meets auto insurance requirements mandated by your state. So, if you’re driving your sedan and cause a crash, your policy helps pay for any injuries of others and property damage. And that’s all it covers. If the medical bills and property damage exceed the amounts on your policy, you’ll have to pay the remaining balances out of pocket.

Full coverage policies cost more, but you get more than just liability insurance. These policies also include collision coverage and comprehensive coverage. Collision pays your medical bills if someone crashes into you, while comprehensive pays for repairs if your car is vandalized or damaged in a weather event.

Full Coverage

With a full coverage policy, you have liability protection, collision, and comprehensive insurance, protecting you financially across three dimensions.

Like a basic policy, the liability part takes care of any medical bills or damage claims filed by others involved in a crash you cause. This aspect of the policy won’t cover your losses, but your collision coverage will.

Collision also covers expenses caused in all other types of crashes — from bumping into a neighbor’s fence to getting rear-ended by the driver of another vehicle.

The comprehensive part takes care of damages brought on by vandalism or weather events. If a tree falls on your sedan during a bad storm and you have comprehensive coverage, your insurer will pay to repair the car.

State Minimum Liability

Every state has minimum liability requirements regarding auto insurance policies. These requirements specify the amounts your policy must cover if you cause a crash that seriously hurts or kills others involved. It also specifies how much needs to be included to pay for property damage.

Minimum liability mandates vary by state. In Colorado, for example, the thresholds are 25/50/15 — or $25,000 if one person is hurt or killed, up to $50,000 if two or more are hurt or killed, and $15,000 to pay for property damage.

Several factors influence how much you’ll pay to insure your car. Here’s a closer look at some of the most common ones.

Loss Probability

Crash statistics are what insurers use to calculate loss probability — or the chances your vehicle will end up in a crash where you live and drive, and if a crash does happen, what the damage will likely be. To make this determination, insurers look at how often the same make and model of your sedan has crashed in your area and how much damage this type of car typically experiences.

Vehicle Safety Features and Ratings

The Grand Marquis never received a safety rating from the National Highway Traffic Safety Administration. Instead, the agency shows that the 2011 model was recalled twice, which can have a negative effect on premiums. Also, because the latest model of this car is more than a decade old, its built-in safety features are outdated compared to newer sedans.

Vehicle Age

The 2011 Grand Marquis was the final model produced by Mercury. That means it will likely cost more to repair because replacement parts are harder to find. This is one reason older vehicles usually cost more to insure.

To insurers, driving under the influence of drugs or alcohol is reckless behavior that makes you a high risk on the road. It’s the reason why a DUI conviction will make your premium skyrocket.

If you’re convicted of this infraction during a traffic stop or after causing a crash, for example, you will see your $1,136 annual premium increase by a significant amount. The higher rate will hold for at least three to five years — or the time it takes for traffic violations to clear from a driving record.

Having a clean driving record and bundling coverage are the best ways to get a discount on your premium. If you have never had a traffic ticket or if it’s been years since you’ve gotten one, for example, insurers consider you a good driver, making you eligible for a premium rate reduction of 10% or more. If you bundle your auto policy with your homeowners insurance, you’ll save more, with rate reductions of up to 25%.

With insurers, you aren’t limited to one discount. You can take advantage of as many as you’re eligible to receive. As a Grand Marquis driver, you may be eligible for: