Lower Your 1994 Mercury Villager Car Insurance Cost

Looking for the cheapest car insurance rates? Shoppers have options when shopping for the lowest priced Mercury Villager insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to find the lowest rates. There are both good and bad ways to compare car insurance rates and we’ll show you the best way to price shop coverage for your Mercury and get the best price possible either online or from local insurance agents.

You need to do price comparisons every six months because rates trend upward over time. Even if you got the best rate for Villager insurance last year the chances are good that you can find a lower price today. Ignore everything you know about car insurance because it’s time to teach you one of the easiest ways to find better rates and still maintain coverage.

How to compare free insurance rate quotes

Getting a more affordable price on 1994 Mercury Villager insurance is actually quite simple. You just have to invest a few minutes to compare free car insurance quotes to find the company with inexpensive car insurance quotes. This can be done in several different ways.

• Without a doubt, the easiest way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for a different quote for each company. One simple form will get you price quotes from all major companies. It’s the fastest way to compare.
• A different way to analyze rates requires visiting the website for every company you want to comare and complete a new quote form. For sake of this example, let’s say you want to see prices from Farmers, Esurance and Progressive. To do that, you would have to spend time on each company’s site to enter the same coverage data repeatedly, which can get old fast.

  For a handy list of car insurance company links in your area, click here.

Take whichever approach you prefer, but try to keep apples-to-apples deductibles and coverage limits for each price quote. If you have different data you will not be able to decipher which rate is best.

Is there truth in advertising?

Consumers can’t escape the ads that claim the cheapest rates by companies like Allstate, Geico and Progressive. All the companies try to convey promises about savings if you just switch your auto insurance coverage to their company.

How do they all give you a better price? This is the trick they use.

Many companies give the cheapest rates for the right customer that makes them money. A good example of a profitable customer may be over the age of 40, has a clear driving record, and drives newer vehicles. Someone that meets those criteria may get the lowest premium rates and as a result will probably save when they switch companies.

Drivers who fall short of the requirements must pay higher prices and this results in the customer buying from a different company. If you listen closely, the ads state “people that switch” not “everybody who quotes” save that much when switching. That’s the way insurance companies can confidently advertise the way they do. Because of the profiling, you need to do a price quote comparison at every renewal. You cannot predict the company that will provide the lowest rates.

Lower rates by qualifying for discounts

Auto insurance companies don’t always list all possible discounts in a way that’s easy to find, so the list below gives a summary of both well-publicized as well as the least known credits that you can use to lower your rates.

• Drivers Education – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in high school.
• Government Employees – Employees or retirees of the government could provide a small rate reduction for Villager insurance with some car insurance companies.
• Student in College – Children who are enrolled in a college that is more than 100 miles from home and do not have a car could qualify for this discount.
• Driver Training Discounts – Passing a course teaching defensive driver skills could possibly earn you a 5% discount and also improve your driving technique.
• Early Switch Discount – A few insurance companies allow discounts for renewing your policy before your current expiration date. You could save around 10% when you buy car insurance online.
• Passive Restraint Discount – Cars that have air bags can get savings of up to 25% or more.
• Accident Forgiveness – Not a discount per se, but companies like Geico and Liberty Mutual permit an accident before they charge you more for coverage so long as you haven’t had any claims for a specific time period.
• Smart Student Discounts – Performing well in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students well after school through age 25.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up can save a little on the premium charged for medical payments and/or PIP.
• Bundle and Save – If you combine your auto and homeowners policies with the same company you could save nearly 15% which can help you find inexpensive car insurance.

Drivers should understand that some of the credits will not apply the the whole policy. Some only apply to individual premiums such as comp or med pay. Even though the math looks like you would end up receiving a 100% discount, that’s just not realistic.

Insurance companies that possibly offer these money-saving discounts include:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

Check with each company which credits you are entitled to. Savings may not apply to policies everywhere.

Insurance coverage is unique, just like you

When choosing coverage, there really is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions may help highlight whether your personal situation would benefit from professional advice.

• Should I buy more coverage than the required minimum liability coverage?
• Is my ex-spouse still covered by my policy?
• Should I bundle my homeowners policy with my auto?
• Does my policy pay for OEM or aftermarket parts?
• Why is insurance for a teen driver so high?
• If my pet gets injured in an accident are they covered?
• Why am I required to get a high-risk car insurance policy?
• What happens if I owe more than my 1994 Mercury Villager is worth?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can provide invaluable advice.

Insurance coverages 101

Learning about specific coverages of insurance helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your 1994 Mercury Villager.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, theft and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision – This covers damage to your Villager from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a parking meter, driving through your garage door, sustaining damage from a pot hole, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for expenses for things like doctor visits, chiropractic care, ambulance fees, pain medications and surgery. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Liability coverages – Liability insurance will cover damages or injuries you inflict on other people or property. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as emergency aid, funeral expenses, pain and suffering, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Save for a rainy day

Some companies may not offer online rate quotes and most of the time these small insurance companies only sell coverage through independent agents. Lower-priced insurance is attainable on the web in addition to many insurance agents, and you should compare rates from both to get a complete price analysis.

When searching for the cheapest car insurance quotes, it’s not a good idea to reduce coverage to reduce premium. In too many instances, an insured cut comprehensive coverage or liability limits only to discover later that the savings was not a smart move. Your goal is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Consumers who switch companies do it for a variety of reasons including not issuing a premium refund, poor customer service, policy non-renewal and even unfair underwriting practices. Whatever your reason, switching insurance companies is not as difficult as it may seem.

More tips and info about insurance can be read by following these links:

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• Medical Payments Coverage (Liberty Mutual)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)