1998 Mercury Villager Insurance Quotes – 7 Tips for Best Rates

Want better car insurance rates for your Mercury Villager? Paying for expensive Mercury Villager insurance can dry up your personal savings and maybe even restrict other spending. Comparing rate quotes can be a smart way to lower your monthly bill.

With so many online and local companies to choose from, it can be impossible to find the right company.

The cheapest auto insurance quotes online

There are a lot of ways to compare auto insurance prices but there is one way that is easier and takes less work. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Most of the best insurance companies participate in an industry program where prospective buyers enter their policy data once, and every company can give them a price based on that information. This eliminates the need for quote requests to each individual auto insurance company.

To use this form to compare rates click here (opens in new window).

The only drawback to doing it this way is you can’t choose which carriers you want to price. So if you prefer to choose from a list of companies to request quotes from, we put together a list of auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using the same coverage information for each comparison quote. If your comparisons have different limits and deductibles on each one it will be impossible to get a fair rate comparison.

Pay discount rates these seven discounts

Car insurance is neither fun to buy or cheap, but there are discounts available to help offset the cost. Many discounts should be triggered when you quote, but lesser-known reductions have to be requested specifically before being credited.

• Senior Citizens – Mature drivers can possibly qualify for a small discount on rates on Villager insurance.
• Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
• Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control can avoid accidents so you can save 10 percent or more.
• Paperless Signup – Certain companies will discount your bill up to fifty bucks for completing your application online.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 15% off the medical payments premium.
• Driver Safety – Successfully completing a defensive driving class could save 5% or more and make you a better driver.
• Pay Early and Save – If you pay your bill all at once as opposed to paying monthly you may have a lower total premium amount.

Don’t be shocked that many deductions do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

To find insurance companies that offer discounts, click here.

Special considerations

When it comes to choosing the right insurance coverage, there is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might point out if you might need an agent’s assistance.

• Is a new car covered when I drive it off the dealer lot?
• Am I covered if my car is in a flood?
• Am I covered when delivering products for my home-based business?
• Why am I required to get a high-risk car insurance policy?
• Do I have coverage if my license is suspended?
• Does medical payments coverage apply to all occupants?
• Why am I required to buy liability insurance?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Specifics of your car insurance policy

Knowing the specifics of car insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types available from car insurance companies.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like fire damage, damage from a tornado or hurricane, hitting a deer, theft and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like nursing services, chiropractic care, hospital visits, dental work and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

Collision insurance will pay to fix damage to your Villager caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with another moving vehicle, driving through your garage door, hitting a parking meter, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability

This coverage can cover injuries or damage you cause to people or other property. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as medical services, pain and suffering, repair costs for stationary objects and attorney fees. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Don’t break the bank

Budget-friendly auto insurance can be purchased on the web and with local insurance agents, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. There are still a few companies who don’t offer the ability to get a quote online and most of the time these regional carriers provide coverage only through local independent agencies.

As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced physical damage coverage and learned later that they should have had better coverage. Your goal is to get the best coverage possible for the lowest price, but don’t skip important coverages to save money.

Additional information can be read on the following sites:

• Avoiding Deer Collisions (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• What is Covered by GAP Insurance? (Allstate)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)