Save on 1995 Mercury Villager Insurance Rates

Perplexed by the crazy number of car insurance companies that you can choose from? Many other drivers are as well. You have so many choices that it can quickly become a chore to locate the lowest car insurance rates.

Smart consumers take time to do rate comparisons at least once a year since prices fluctuate regularly. Just because you had the best rates on Villager insurance a few years ago you can probably find a lower rate today. There are lots of tips to save on car insurance out there, but in a few minutes you can learn a lot of great tips on how to find affordable car insurance.

If you are paying for car insurance now, you will be able to cut costs considerably using these methods. Pricing more affordable protection is not that difficult. Nevertheless, drivers do need to know the way insurance companies market on the web and apply this information to your search.

Pay discount rates these discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts that could help you make your next renewal payment. Certain discounts will be applied when you complete an application, but a few need to be asked for before you will receive the discount.

  • Telematics Devices – Insureds who allow their insurance company to look at when and where they use their vehicle by installing a telematics device like Allstate’s Drivewise may get a rate reduction if they show good driving skills.
  • Sign Early and Save – Some larger companies provide a discount for renewing your policy before your current policy expires. It’s a savings of about 10%.
  • Discount for Multiple Policies – When you have multiple policies with the same company you may earn as much as 10 to 15 percent.
  • Homeowners Pay Less – Owning a house can help you save on insurance because it demonstrates responsibility.
  • No Claim Discounts – Drivers who don’t have accidents can earn big discounts as opposed to policyholders that have many claims.
  • Senior Citizen Discount – Mature drivers are able to get a slight reduction on a insurance coverage quote on Villager insurance.
  • Discounts for New Vehicles – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new model year vehicles.
  • Driver Safety – Passing a course teaching driver safety skills can save you 5% or more depending on where you live.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to buckle up may be able to save a few bucks off the medical payments premium.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, that’s just not realistic.

Larger insurance companies and a selection of discounts can be read below.

  • Farm Bureau may have discounts that include driver training, 55 and retired, multi-policy, safe driver, good student, multi-vehicle, and youthful driver.
  • State Farm discounts include passive restraint, anti-theft, driver’s education, multiple policy, and multiple autos.
  • Progressive may include discounts for multi-policy, good student, multi-vehicle, continuous coverage, and homeowner.
  • Allstate has discounts for resident student, passive restraint, premier plus, anti-theft, FullPay discount, 55 and retired, and good student.
  • Nationwide has savings for accident-free, multi-policy, defensive driving, business or organization, Farm Bureau membership, family plan, and anti-theft.
  • MetLife policyholders can earn discounts including multi-policy, claim-free, good student, good driver, and defensive driver.

Before buying, ask all companies you are considering which discounts you may be entitled to. Some of the discounts discussed earlier may not be offered in your state. To locate insurance companies that offer multiple discounts, follow this link.

Special considerations

When it comes to choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique.

These are some specific questions might point out if your insurance needs might need professional guidance.

  • Do I pay less if my vehicle is kept in my garage?
  • Do I have coverage if my license is suspended?
  • What vehicles should carry emergency assistance coverage?
  • What if I total my 1995 Mercury Villager and owe more than it’s worth?
  • What is the minimum liability in my state?
  • Do I have newly-aquired coverage?
  • Is my babysitter covered when using my vehicle?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Brand name doesn’t guarantee savings

Companies like State Farm and Allstate regularly use ads on TV and radio. They all advertise the message about saving some big amount if you switch your coverage to them. But how can every company charge less that you’re paying now? Here is how they do it.

Insurance coverage companies quote the lowest rates for the right customer that will generate a profit. For example, a driver they prefer should be over the age of 45, has had continuous coverage, and drives a vehicle with a low ISO rating. Any person who meets those qualifications receive the lowest rate quotes as well as save money with a new company.

People who are not a match for these stringent criteria will get more expensive rates which results in the customer not buying. The ads say “customers that switch” not “all people who quote” will save that much if they switch. That’s why insurance companies can confidently claim big savings. That is why drivers must compare rate quotes every year. It is impossible to predict which insurance coverage company will have the lowest rates.

Insurance coverages 101

Knowing the specifics of a insurance policy helps when 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.

Comprehensive coverages

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like theft, hitting a deer, damage from getting keyed and hail damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

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 very important.

Auto liability insurance

This protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like bail bonds, funeral expenses, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This pays for damage to your Villager caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a ditch, damaging your car on a curb, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills such as dental work, prosthetic devices, EMT expenses, funeral costs and nursing services. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Final thoughts

Affordable 1995 Mercury Villager insurance is possible on the web and with local insurance agents, so you need to shop insurance coverage with both so you have a total pricing picture. Some companies may not offer rates over the internet and many times these regional insurance providers only sell through independent insurance agencies.

While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, someone sacrificed comprehensive coverage or liability limits and learned later that it was a big error on their part. The goal is to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

You just read a lot of ways to lower your 1995 Mercury Villager insurance premium rates. The most important thing to understand is the more quotes you get, the better likelihood of getting low cost insurance coverage. You may even discover the lowest priced auto insurance comes from a smaller regional carrier.

More information can be found at the links below