Cheaper 1999 Mercury Villager Insurance Quotes

Finding the cheapest insurance for a new or used Mercury Villager could be a painful process, but you can use a few tricks to find lower rates.

There is a better way to buy insurance coverage and we’ll show you the absolute fastest way to price shop coverage for a new or used Mercury and locate the best price possible from local insurance agents and online providers.

It is always a good idea to compare premium rates quite often because insurance coverage rates go up and down regularly. Just because you found the lowest rate for Villager coverage two years ago you will most likely find a better price today. You’ll find quite a bit of inaccurate information about insurance coverage online, but in this article, you’re going to get the best ways to lower your insurance coverage premiums.

How to buy auto insurance online

Comparing auto insurance rates can be exhausting if you don’t know the most efficient way to do it. You can spend your afternoon driving to local insurance agents in your area, or you could save time and use online quoting to maximize your effort.

The majority of car insurance companies belong to an insurance system that allows shoppers to only type in their quote data once, and each company returns a rated price. This saves time by eliminating quote forms for every auto insurance company.

To compare pricing click to open in new window.

The one downside to using this type of system is that you can’t choose which providers to get quotes from. If you would rather choose specific insurance companies to compare rates, we have a page of the cheapest auto insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just do your best to use equivalent coverages on every quote. If the quotes have different limits and deductibles on each one it’s impossible to make a fair rate comparison.

Insurance premium influencing factors

Lots of things are used when you get a price on insurance. Some of the criteria are obvious like an MVR report, but others are more obscure like where you live or your financial responsibility.A large part of saving on car insurance is knowing some of the factors that help calculate the level of your policy premiums. If you understand what determines base rates, this helps enable you to make changes that may reward you with lower rates.

Listed below are a few of the things utilized by car insurance companies to help set your prices.

• Deter car thieves – Owning a car that has a built-in theft deterrent system can help lower your rates. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop car theft.
• Liability is critical – Liability coverage will protect you in the event that a jury decides you are liable for damages caused by your negligence. Your liability coverage provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so do not cut corners here.
• Physical damage deductibles – Comprehensive and collision coverage deductibles tell how much you are willing to pay before a claim is paid by your company. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of some claims that would be covered could be rearending another vehicle, hail damage, and damage from wind. The more expense you choose to pay out-of-pocket, the better rate you will receive for Villager coverage.
• Rates increase with driving citations – Being a careful driver can have a huge impact on auto insurance premiums. Drivers who don’t get tickets have lower premiums than their less careful counterparts. Even a single speeding ticket could increase your next policy renewal twenty percent or more. Drivers who have dangerous citations such as DUI, reckless driving or excessive speeding are required to prove financial responsibility with their state motor vehicle department in order to legally drive.
• Older drivers pay less – Youthful drivers have a tendency to be less responsible behind the wheel so car insurance rates are higher. Older, more experienced drivers are shown to be more cautious, file fewer claims , and are generally more financially stable.
• Males pay higher costs – Statistics show women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Females and males get in fender benders at a similar rate, but males have accidents that have higher claims. Men also tend to get higher numbers of serious violations such as DWI and reckless driving.
• Safety first – Safe vehicles tend to be cheaper to insure. Highly rated vehicles protect occupants better and lower injury rates translates directly to fewer claims which can result in lower premiums.

Take policy discounts and save

Some insurers do not advertise every discount in an easy-to-find place, so we break down some of the more common in addition to some of the lesser obvious credits available to bring down your rates. If you don’t get every credit available, it’s possible you qualify for a lower rate.

• Save over 55 – If you’re over the age of 55, you are able to get a discount up to 10% for Villager coverage.
• Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems could see savings of 20% or more.
• Early Switch Discount – A few car insurance companies allow discounts for renewing your policy early. The savings is around 10%.
• Distant College Student Discount – Children who are enrolled in a college that is more than 100 miles from home and don’t have a car may qualify for this discount.
• Low Miles Discount – Driving fewer miles could earn substantially lower prices.
• Clubs and Organizations – Being in certain professional organizations is a simple method to lower premiums on your next renewal.
• Lower Rates for Military – Having a deployed family member could trigger a small discount.
• Save with a New Car – Buying a new car instead of a used car can get you a discount because new model year vehicles keep occupants safer.
• Pay Early and Save – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
• Life Insurance – If the company offers life insurance, you could get a small discount if you purchase life insurance from them.

Remember that most credits do not apply the the whole policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, it’s just not the way it works.

To choose companies that offer the discounts shown above, click here to view.

Which policy gives me the best coverage?

When it comes to buying coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine if your situation might need professional guidance.

• Are my tools covered if they get stolen from my vehicle?
• Do I need motorclub coverage?
• Is a new car covered when I drive it off the dealer lot?
• Why am I required to buy high-risk coverage?
• When should I not file a claim?
• What is no-fault insurance?
• What vehicles should carry emergency assistance coverage?
• Do I have coverage when pulling a U-Haul trailer?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Information about specific coverages

Understanding the coverages of a car insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, fire damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the ACV or 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 ambulance fees, surgery, funeral costs, dental work and doctor visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability – This can cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as funeral expenses, legal defense fees, attorney fees and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverage – Collision insurance will pay to fix damage to your Villager from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, crashing into a building, driving through your garage door, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

More effort can pay off

We covered some good ideas how you can lower your 1999 Mercury Villager insurance premium rates. It’s most important to understand that the more rate quotes you have, the better likelihood of getting inexpensive auto insurance. Consumers may even find the most savings is with a smaller regional carrier.

Some insurance companies do not provide online rate quotes smaller companies prefer to sell through independent agencies. Cheaper insurance is available online in addition to local insurance agencies, and you should compare rates from both to have the best chance of lowering rates.

People who switch companies do it for a number of reasons such as not issuing a premium refund, questionable increases in premium, being labeled a high risk driver or delays in paying claims. It doesn’t matter what your reason, finding the right insurance provider can be easier than you think.

More information is located at the links below

• Vehicle Insurance in the U.S. (Wikipedia)
• Auto Insurance Learning Center (State Farm)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• Understanding Car Crashes Video (iihs.org)
• What is Covered by GAP Insurance? (Allstate)