Cheap Mercury Grand Marquis Car Insurance in 2024 (Top 10 Low-Cost Companies)
Progressive, State Farm, and The General offer the best rates for cheap Mercury Grand Marquis car insurance, starting at just $54 a month. These providers stand out due to their competitive pricing, comprehensive coverage options, and tailored policies for the Mercury Grand Marquis owners.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
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UPDATED: Jul 5, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jul 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsCompany Facts
Min. Coverage for Mercury Grand Marquis
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
17,760 reviewsCompany Facts
Min. Coverage for Mercury Grand Marquis
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
823 reviewsCompany Facts
Min. Coverage for Mercury Grand Marquis
A.M. Best Rating
Complaint Level
Pros & Cons
823 reviews
The top picks for cheap Mercury Grand Marquis car insurance are Progressive, State Farm, and The General, known for their affordability and reliable coverage.
When shopping for insurance, it’s crucial to consider various factors that affect premiums, such as the vehicle’s age, your driving record, and the specific coverage needs for a Mercury Grand Marquis. Find more details in our guide titled “Best Car Insurance.”
Our Top 10 Company Picks: Cheap Mercury Grand Marquis Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $54 A++ Overall Value Progressive
#2 $58 B Customer Service State Farm
#3 $61 A High-Risk Drivers The General
#4 $63 A+ Low-Mileage Drivers Geico
#5 $66 A+ Comprehensive Coverage Allstate
#6 $68 A++ Military Families USAA
#7 $70 A Customizable Policies Liberty Mutual
#8 $72 A++ Teen Drivers American Family
#9 $75 A+ Accident Forgiveness Nationwide
#10 $78 A++ Bundling Discounts Farmers
Enhanced safety features and a good driving history can significantly lower your rates. By comparing quotes and understanding what influences the cost, you can secure the best possible deal on your insurance.
See how much you’ll pay for car insurance by entering your ZIP code above into our free comparison tool.
- Progressive is the top choice for affordable Mercury Grand Marquis insurance
- Coverage options are vital due to the Grand Marquis’s luxury status
- Safety features in the Grand Marquis can reduce insurance costs significantly
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#1 – Progressive: Top Overall Pick
Pros
- Competitive Rates: Progressive offers the lowest rate of $54 per month for Mercury Grand Marquis car insurance. Discover insights in our complete Progressive insurance review & ratings.
- Superior Financial Stability: With an A++ rating from A.M. Best, Progressive ensures robust financial health and claim-paying ability.
- Customizable Policies: Progressive allows customers to tailor their coverage, making it easier to match specific needs for Mercury Grand Marquis owners.
Cons
- Claims Process: Some users report a less than satisfactory experience during the claims process.
- Customer Service Variability: Customer service quality can vary significantly depending on the region and agent.
#2 – State Farm: Best for Customer Service
Pros
- Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies, beneficial for Mercury Grand Marquis owners.
- High Low-Mileage Discount: Offers a substantial discount for low-mileage usage, perfect for Mercury Grand Marquis owners who drive less.
- Wide Coverage: Provides various coverage options tailored for different needs, including those specific to the Mercury Grand Marquis. Unlock details in our State Farm insurance review & ratings.
Cons
- Limited Multi-Policy Discount: The multi-policy discount of State Farm is not as high compared to some competitors.
- Premium Costs: Despite discounts, State Farm’s premiums might still be relatively higher for certain coverage levels of the Mercury Grand Marquis.
#3 – The General: Best for High-Risk Drivers
Pros
- Specializes in High-Risk: The General caters to high-risk drivers, ideal for Mercury Grand Marquis owners with less-than-perfect driving records.
- Flexible Payment Options: Offers various payment plans, which can be particularly helpful for owners facing higher premiums. Delve into our evaluation of The General car insurance review & ratings.
- Immediate Coverage: Provides quick and straightforward insurance coverage, even for those who have had lapses in previous insurance.
Cons
- Higher Rates for Some: With a monthly rate of $61, costs can be higher for drivers of a Mercury Grand Marquis compared to other providers.
- Customer Satisfaction: May have lower customer satisfaction ratings, which could impact service experience for policyholders.
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#4 – Geico: Best for Low-Mileage Drivers
Pros
- Low-Mileage Discounts: Geico offers discounts specifically beneficial for Mercury Grand Marquis owners who drive less frequently.
- Fast Claim Service: Known for its quick and efficient claims processing, ensuring minimal hassle for policyholders.
- Strong Financial Rating: Geico’s A+ rating by A.M. Best assures reliable financial backing for claims. Discover insights in our guide titled “Do Geico employees get car insurance discounts?“
Cons
- Policy Customization Limits: May offer less flexibility in policy customization compared to others, which could be a drawback for specific needs.
- Rate Increases: Some customers report rate increases after initial sign-up, particularly after claims or policy adjustments.
#5 – Allstate: Best for Comprehensive Coverage
Pros
- Wide Range of Coverages: Allstate provides extensive coverage options, including those that are ideal for the comprehensive needs of Mercury Grand Marquis owners.
- Discounts for Safe Driving: Offers rewards and discounts for safe driving, which can benefit conscientious Mercury Grand Marquis drivers.
- Online Tools and Resources: Excellent digital tools for managing policies and filing claims, enhancing user experience. Learn more in our complete Allstate insurance review & ratings.
Cons
- Higher Cost: At $66 per month, Allstate’s premiums are higher, which might not be the most cost-effective for all Mercury Grand Marquis owners.
- Customer Service Issues: Some reports of inconsistent customer service experiences which could impact satisfaction.
#6 – USAA: Best for Military Families
Pros
- Tailored Services for Military: USAA offers insurance specifically designed for military families, providing benefits that are compatible with the lifestyles of Mercury Grand Marquis owners in the military.
- Competitive Rates: Competitive pricing at $68 per month with strong coverage options.
- Top-notch Customer Service: Consistently high ratings for customer service and client satisfaction. See more details in our guide titled, “USAA Insurance Review & Ratings.”
Cons
- Limited Eligibility: Services are only available to military members, veterans, and their families, restricting access for the general public.
- Coverage Limitations: While offering excellent rates and service, some specific coverage options or discounts may not be as broad as other larger insurers.
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#7 – Liberty Mutual: Best for Customizable Policies
Pros
- Highly Customizable Policies: Offers a range of options that can be tailored to fit the unique needs of Mercury Grand Marquis owners.
- Discounts for Multiple Policies: Significant savings available when you bundle different types of insurance policies. Discover more about offerings in our Liberty Mutual insurance review & ratings.
- Accident Forgiveness: Includes accident forgiveness policies which can prevent your rates from increasing after your first accident.
Cons
- Variable Pricing: Some customers report variability in premium quotes, which can be confusing and inconsistent.
- Claims Process Issues: Some policyholders have expressed dissatisfaction with the handling of claims, stating delays and less than satisfactory resolutions.
#8 – American Family: Best for Teen Drivers
Pros
- Youthful Driver Discounts: American Family offers discounts specifically for teen drivers, making it a good option for families with young drivers of a Mercury Grand Marquis.
- Strong Support and Educational Tools: Provides excellent resources and support for young drivers, including driving safety courses that can lower premiums.
- Extensive Coverage Options: Offers a broad range of coverage that can be customized to protect young drivers comprehensively. See more details in our guide titled, “American Family Insurance Review & Ratings.”
Cons
- Higher Rates for Teens: Despite discounts, premiums for teenage drivers can still be high, impacting overall affordability.
- Coverage Complexity: Some customers find their policy options complex and difficult to understand, particularly for new policyholders.
#9 – Nationwide: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Nationwide offers accident forgiveness, which can be especially beneficial for Mercury Grand Marquis owners to avoid premium spikes after an accident.
- Range of Discounts: Provides various discounts that can lower premiums significantly, including for safe driving. Access comprehensive insights in our Nationwide insurance review & ratings.
- Responsive Customer Service: Known for its excellent customer service, providing support when policyholders need it most.
Cons
- Premium Variability: Premiums can vary widely based on driver profile and the level of coverage, sometimes leading to unexpected rate increases.
- Coverage Limitations: Some customers have noted limitations in the coverage options available, which might not meet all needs.
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#10 – Farmers: Best for Bundling Discounts
Pros
- Excellent Bundling Options: Farmers excels in offering discounts for bundling multiple policies, which can substantially lower costs for Mercury Grand Marquis insurance.
- Customizable Coverage: Offers a wide range of customizable coverage options to meet the specific needs of Mercury Grand Marquis owners.
- Dedicated Agents: Provides personalized service through dedicated agents who can tailor policies to individual needs. Read up on Farmers insurance review & ratings for more information.
Cons
- Higher Base Rates: Despite bundling discounts, base rates can be higher compared to other insurers, potentially increasing overall costs.
- Claims Service Concerns: Some customers report less satisfactory experiences with the claims process, which could impact satisfaction during critical times.
Mercury Grand Marquis Insurance Rates by Coverage
Navigating the cost of car insurance for a Mercury Grand Marquis can be straightforward with the right information. Below, a detailed comparison outlines the monthly premiums for both minimum and full coverage across various providers, helping you determine the best fit for your insurance needs.
Mercury Grand Marquis Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $66 $120
American Family $72 $130
Farmers $78 $140
Geico $63 $115
Liberty Mutual $70 $125
Nationwide $75 $135
Progressive $54 $105
State Farm $58 $110
The General $61 $112
USAA $68 $118
For owners of a Mercury Grand Marquis, insurance costs can vary significantly depending on the level of coverage selected. For minimum coverage, Progressive offers the lowest rate at $54 per month, ideal for those seeking basic protection at an economical price.
Celebrating #MilitaryAppreciationMonth 🇺🇸 with #KeysToProgress, our annual veteran vehicle giveaway program. A big thank-you to everyone who serves. 💙
For more information on program eligibility and how to apply, please visit https://t.co/Sfl1dPCtqs. #SupportingVeterans pic.twitter.com/FCnI93BpY0
— Progressive (@progressive) May 8, 2024
At the other end, Farmers quotes the highest minimum coverage rate at $78 monthly. When it comes to full coverage car insurance, which includes comprehensive and collision insurance, Progressive again provides the most affordable option at $105 per month, ensuring extensive protection without a hefty price tag.
In contrast, Farmers presents the highest rate for full coverage at $140 per month, reflecting a broader scope of protection at a higher cost. This table helps Mercury Grand Marquis owners compare and decide on the level of insurance coverage that meets their requirements and budget constraints effectively.
Factors That Impact the Cost of Mercury Grand Marquis Car Insurance
When insurance companies determine the cost of insuring a Mercury Grand Marquis, they take into account several factors. One of the key factors is the value of the vehicle itself. Since the Grand Marquis is classified as a luxury car, its higher price tag can result in higher insurance premiums.
Additionally, the age and condition of the vehicle will also play a role in determining the insurance rates. Newer Grand Marquis models may require higher premiums due to their higher replacement costs in case of an accident or theft. Another crucial factor is the driver’s personal information. Factors such as age, gender, and driving record can significantly impact the cost of car insurance.
Younger, less experienced drivers typically face higher insurance rates, while drivers with a history of traffic violations or accidents may also face increased premiums. On the other hand, older and more experienced drivers with clean records may be eligible for lower rates. See more details in our guide titled “Types of Car Insurance Coverage.”
Additionally, the location where the vehicle is primarily driven and parked can affect the cost of car insurance for a Mercury Grand Marquis. Insurance companies consider factors such as the crime rate and frequency of accidents in the area. If the vehicle is parked in a high-crime area or an area with a high number of accidents, the insurance premiums may be higher to account for the increased risk of theft or damage.
Furthermore, the coverage options and deductibles chosen by the policyholder can impact the cost of insuring a Mercury Grand Marquis. Higher coverage limits and lower deductibles typically result in higher insurance premiums.
Policyholders who opt for comprehensive coverage, which includes protection against non-collision incidents such as theft, vandalism, and natural disasters, may also face higher premiums compared to those who choose only liability coverage.
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Understanding the Insurance Rates for Mercury Grand Marquis
The Average Cost Of Insuring A Mercury Grand Marquis can vary depending on multiple factors. According to industry data, the average monthly insurance premium for a Grand Marquis is around $100. However, this figure is an approximate and can vary significantly based on individual circumstances and insurance providers.
Insurance rates can also vary based on the coverage options selected for your Grand Marquis. The two primary types of coverage to consider are comprehensive and collision coverage. Comprehensive coverage protects against damages caused by non-collision-related incidents such as theft, vandalism, or natural disasters.
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Collision coverage, on the other hand, covers damages caused by a collision with another vehicle or object. Depending on your needs and budget, you can choose to include either or both of these coverages in your insurance policy for your Grand Marquis. See more details in our guide titled, “How much is car insurance?“
Another factor that can affect the insurance rates for a Mercury Grand Marquis is the driver’s age and driving history. Insurance providers often consider younger drivers or those with a history of accidents or traffic violations to be higher risk, resulting in higher premiums. On the other hand, older drivers with a clean driving record may be eligible for lower insurance rates.
Tips to Get Affordable Car Insurance for Your Mercury Grand Marquis
If you’re looking to reduce the cost of insuring your Mercury Grand Marquis, there are several strategies you can employ. First and foremost, it’s essential to shop around and obtain multiple insurance quotes from different providers. Comparing quotes will help you identify the most competitive rates and potentially save you a significant amount of money on your premiums.
Additionally, taking steps to improve your driving record by maintaining a clean history can make you eligible for lower insurance rates. Consider completing a defensive driving course, which may help demonstrate your commitment to safe driving and potentially lead to discounts from insurance providers.
Furthermore, installing safety features in your Grand Marquis can lower your insurance rates. Features such as anti-theft systems, airbags, and anti-lock brakes are highly valued by insurers as they reduce the risk of theft and injury in the event of an accident. Be sure to inquire with your insurance provider about any available discounts for these safety features.
Did you know #ClassicCar insurance can extend to vintage motorcycles, military vehicles, and even some tractors? See how storage, usage, and more play a part in determining coverage. https://t.co/vfJD2ChkYd pic.twitter.com/uy0Dq1uc3M
— Progressive (@progressive) April 9, 2024
Another way to potentially lower your car insurance premiums for your Mercury Grand Marquis is by increasing your deductible. A deductible is the amount of money you agree to pay out of pocket before your insurance coverage kicks in. By choosing a higher deductible, you may be able to lower your monthly premiums. However, it’s important to ensure that you can afford to pay the higher deductible in the event of an accident.
Additionally, maintaining a good credit score can also help you secure affordable car insurance for your Grand Marquis. Insurance companies often consider credit scores when determining premiums, as studies have shown a correlation between credit history and the likelihood of filing claims.
Paying bills on time, reducing debt, and monitoring your credit report for errors can all contribute to maintaining a good credit score and potentially lower insurance rates. Unlock details in our guide titled, “What is Affordable coverage?”
Factors to Consider When Choosing an Insurance Policy for Your Mercury Grand Marquis
When selecting an insurance policy for your Mercury Grand Marquis, it is important to consider the level of coverage you need and the deductible amount you are comfortable with. Higher coverage limits will generally result in higher premiums, while a higher deductible can help lower your premiums but may require you to pay more out of pocket in the event of a claim.
Additionally, it is advisable to review the reputation and financial stability of insurance providers before making a decision. Be sure to read customer reviews and check their financial strength ratings to ensure you choose a reliable company that will be able to meet its obligations in the event of a claim. Access comprehensive insights in our review of “How does the insurance company determine my premium?“
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Another important factor to consider when choosing an insurance policy for your Mercury Grand Marquis is the type of coverage options available. Different policies may offer varying levels of coverage for different types of incidents, such as accidents, theft, or natural disasters. It is essential to assess your specific needs and choose a policy that provides adequate protection for your vehicle.
Furthermore, it is worth exploring any additional benefits or discounts that insurance providers may offer. Some companies may provide perks such as roadside assistance, rental car coverage, or discounts for safe driving records or multiple policies. Taking advantage of these extras can enhance the value and convenience of your insurance policy.
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Conclusion: Cheap Mercury Grand Marquis Car Insurance
When considering the purchase of a Mercury Grand Marquis, it’s essential to factor in the cost of car insurance. Several factors impact insurance rates for this model, including the value of the vehicle, personal factors such as age and driving record, and the coverage options chosen.
By understanding these factors and employing strategies such as comparing quotes (read our “Compare Car Insurance Quotes” for more information), improving your driving record, and installing safety features, you can work towards securing affordable car insurance for your Mercury Grand Marquis. Take the time to evaluate your options and make an informed decision that provides you with the necessary coverage at a reasonable cost.
Another important factor to consider when purchasing a Mercury Grand Marquis is the maintenance and repair costs associated with this model. As a larger, luxury vehicle, the Grand Marquis may require more expensive parts and specialized services, which can increase the overall cost of ownership.
Looking to #writeoff 🚙 insurance on your taxes this year? See below for a few tips and don’t forget to keep those receipts! #TaxSeasonhttps://t.co/WQLzXOLiv4 pic.twitter.com/3xCNcsFQWj
— Progressive (@progressive) April 3, 2024
It’s important to budget for regular maintenance, such as oil changes and tire rotations, as well as potential repairs that may arise over time. Additionally, it’s worth noting that the Mercury Grand Marquis has a reputation for being a reliable and durable vehicle. With proper care and maintenance, this model can provide many years of dependable performance.
However, it’s always a good idea to research common issues or recalls associated with the specific year and model you are considering, as this can help you make an informed decision and potentially avoid any potential problems down the road.
Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code below into our free comparison tool to find the lowest prices in your area.
Frequently Asked Questions
What factors affect the cost of Mercury Grand Marquis car insurance?
The cost of Mercury Grand Marquis car insurance can be influenced by various factors such as the driver’s age, location, driving history, coverage options, deductible amount, and the insurance provider’s rates.
For additional details, explore our comprehensive resource titled, “Car Insurance Discounts by Age.”
Are there any specific safety features that can help reduce the insurance cost for a Mercury Grand Marquis?
Yes, certain safety features like anti-lock brakes, airbags, traction control, and security systems can potentially lower the insurance cost for a Mercury Grand Marquis. Insurance companies often offer discounts for vehicles equipped with these safety features.
Is it more expensive to insure a new Mercury Grand Marquis compared to an older model?
In general, insuring a new Mercury Grand Marquis may be slightly more expensive than an older model due to factors such as higher replacement costs and increased repair expenses. However, other variables like the driver’s profile and the insurance provider’s rates also play a significant role in determining the insurance cost.
Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool below to find the best policy for you.
Does the location where I live affect the insurance cost for a Mercury Grand Marquis?
Yes, the location where you live can impact the insurance cost for a Mercury Grand Marquis. Areas with higher crime rates or higher traffic congestion tend to have higher insurance premiums. Additionally, regions prone to severe weather conditions or natural disasters may also affect the insurance rates.
Can I save money on Mercury Grand Marquis car insurance by bundling it with other insurance policies?
Yes, bundling your Mercury Grand Marquis car insurance with other insurance policies like home insurance or renters insurance can often lead to discounts.
To find out more, explore our guide titled, “What is Payment bundling?“
Which brand of car has the cheapest insurance?
Subaru cars are generally the most affordable to insure, with Ford, Honda, and Toyota also offering low-cost insurance options.
What type of car insurance is cheapest?
Fully comprehensive insurance tends to be the most affordable, although individual circumstances can affect prices.
What are the cheapest full coverage auto insurance options?
American National, Country Financial, Nationwide, Erie, and USAA provide the most cost-effective full-coverage policies. The national average monthly cost for full coverage is approximately $167.
Which type of car insurance is best?
Comprehensive car insurance is the most protective, covering third-party liabilities and your vehicle’s damages. It also compensates you or your family in case of accidental death.
To learn more, explore our comprehensive resource on “Liability Insurance: A Complete Guide.”
What is the most basic car insurance?
The most basic form typically includes liability protection, which most states mandate, along with uninsured/underinsured and comprehensive coverage.
What is the least amount of car insurance you need?
You generally need at least the state-mandated liability coverage to cover potential injuries and damages in an accident. Common required limits are $25,000 per person for bodily injury.
What is the cheapest category for car insurance?
Group 1 is the cheapest insurance category, while Group 50 is the most expensive, with premiums also influenced by the insurance group.
Which type of insurance is best for an old car?
For older cars of lesser value, skipping collision and comprehensive car insurance coverage might reduce premiums unless the car is financed or leased, requiring comprehensive coverage.
What are the 4 most important types of insurance?
Life, health, long-term disability, and auto insurance are deemed essential by most experts. Employer coverage is ideal, but multiple coverage discounts are often available from providers.
What type of insurance is most important for cars?
Auto liability coverage is crucial and mandated in most states. It includes bodily injury liability, which may cover costs associated with injuries to others if you cause an accident.
Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code below.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
