Lower Your 1996 Mercury Villager Car Insurance Quotes

Are you burned out from sacrificing to pay car insurance each month? You have the same problem as many other people.

Many insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to get the lowest cost out there.

Consumers should take time to take a look at other company’s rates occasionally because prices are variable and change quite frequently. Despite the fact that you may have had the best deal for Villager coverage last year the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because we’re going to demonstrate the proper way to buy cheaper car insurance.

If you are paying for car insurance now, you will be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you is easy if you know what you’re doing. Nevertheless, drivers must learn how insurance companies compete online and apply this information to your search.

How to buy insurance

When shopping for cheap insurance coverage quotes, there are a couple of ways to compare quotes from all the different companies. By far the easiest way to compare Mercury Villager insurance prices is to jump online and get quotes. It’s really quite simple and can be done in a couple of different ways.

1. If you are pressed for time, the simplest way to get quotes would be an industry-wide quote request form click here to open form in new window. This style of form saves time by eliminating boring form submissions for every prospective company. Filling out one form will get you price quotes from multiple companies.
2. Another way to find more affordable insurance consists of visiting the website for each individual company to request a price quote. For sake of this example, we’ll assume you want to compare rates from Geico, Liberty Mutual and State Farm. You would need to go to every website and enter your information, which can take a lot of time.

   For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, do your best to use the exact same coverages on every quote you get. If you use different data it will be impossible to determine the lowest rate for your Mercury Villager. Having just a slight variation in insurance coverages could throw off the whole comparison. Just remember that comparing more quotes helps locate more affordable rates.

Car insurance buyers beware

Well-known car insurance companies like Progressive, Geico, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to have a common claim of big savings just by moving your coverage. How do they all charge lower premium rates? This is the way they can do it.

Companies are able to cherry pick for the type of driver that will not have excessive claims. For example, a profitable customer could be a married male, has never had a policy lapse, and drives a vehicle with a low ISO rating. A customer getting a price quote who meets those qualifications gets the lowest prices and most likely will cut their rates substantially.

Insureds who don’t measure up to these standards will get more expensive rates and this can result in the driver buying from a lower-cost company. The trick companies use is to say “people who switch” not “all people who quote” save the amount stated. That is how companies can truthfully state the savings. That is why you need to do a price quote comparison at every renewal. It’s not possible to predict which insurance companies will have the best prices for your profile.

Discounts to earn affordable car insurance rates

Some insurers don’t always publicize the complete list of policy discounts very clearly, so we break down some of the more common as well as the least known credits available to you.

• Government Employees – Simply working for the federal government could cut as much as 10% off for Villager coverage with some car insurance companies.
• More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
• Pay Upfront and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
• New Car Discount – Putting insurance on a new car may earn a small discount since newer models are generally safer.
• Switch and Save Discount – A few companies allow discounts for buying a new policy before your current policy expires. You could save around 10% when you buy insurance coverage online.
• Paperless Signup – A few larger online companies will give you a small discount for buying a policy and signing up online.
• Distant Student Discount – Youth drivers who are attending college and leave their car at home could qualify for this discount.
• Home Ownership Discount – Simply owning a home may trigger a policy discount on car insurance because of the fact that having a home requires personal responsibility.
• Senior Citizen Discount – Older drivers can get a slight reduction on a insurance coverage quote for Villager coverage.

Drivers should understand that most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. Even though the math looks like you could get a free car insurance policy, nobody gets a free ride.

Some companies that possibly offer some of the above discounts include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

Double check with all the companies what discounts are available to you. Some of the discounts discussed earlier may not be offered in every state.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions may help highlight whether you would benefit from professional advice.

• Why am I required to get a high-risk car insurance policy?
• Is my Mercury Villager covered if I use it for business?
• Will I lose any money if I cancel my policy before it expires?
• Is my ex-spouse still covered by my policy?
• Is my 1996 Mercury Villager covered for flood damage?
• I have health insurance so do I need medical payments coverage?
• Should I carry comprehensive and collision coverage?
• Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Car insurance specifics

Learning about specific coverages of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average car insurance policy.

Collision coverage protection

This coverage covers damage to your Villager caused by collision 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 colliding with a tree, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1996 Mercury Villager.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a bird, a broken windshield and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses for ambulance fees, hospital visits, prosthetic devices, doctor visits and funeral costs. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability coverage

This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like emergency aid, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

One last thing about your coverage

While you’re price shopping online, you should never reduce coverage to reduce premium. Too many times, an accident victim reduced full coverage and found out when filing a claim that it was a big mistake. The goal is to find the BEST coverage at the best price while not skimping on critical coverages.

Some insurance coverage companies may not have online rate quotes and these regional insurance providers work with independent agencies. Discount 1996 Mercury Villager insurance is possible from both online companies in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates.

We covered a lot of tips how to lower your 1996 Mercury Villager insurance premium rates. The key thing to remember is the more you quote insurance coverage, the higher the chance of saving money. Consumers could even find that the biggest savings come from a lesser-known regional company. These companies often have lower prices on specific markets than their larger competitors like State Farm, Geico and Nationwide.

For more information, take a look at the articles below:

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)