Cheaper 1996 Mercury Villager Insurance Rates

Searching for lower auto insurance rates for your Mercury Villager? Are you baffled by the sheer number of auto insurance sources? Many other people are as well. Drivers have so many options that it can easily become more work than you anticipated to find the lowest price.

Compare quotes for auto insurance

To get inexpensive insurance coverage quotes, there a variety of ways of comparing price quotes from local auto insurance companies. The best method to find cheaper 1996 Mercury Villager rates consists of obtaining rate quotes online. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. One of the fastest ways to get quotes is a comparison rater form click here to open form in new window. This form eliminates the need for a different quote for every company. One quote request gets you price quotes instantly.It’s the quickest way to get rates.
  2. A more difficult way to analyze rates requires you to visit each company’s website and request a quote. For example, let’s assume you want rates from Liberty Mutual, Safeco and Allstate. You would need to spend time on each company’s site to input your insurance information, which is why first method is reommended. For a list of companies in your area, click here.
  3. The least efficient and most time consuming method to find and compare rates to different agent offices. The fact that you can get quotes online makes this unnecessary unless you require the professional assistance that only an agent can give. You can, however, price shop your coverage online but have your policy serviced through an agent.

The method you choose is up to you, but try to use apples-to-apples quote data for every quote you compare. If you use higher or lower deductibles it will be next to impossible to determine which company has the best rates. Slightly different insurance coverages or limits can make a big difference in price. Just remember that comparing a large number of companies helps you find lower pricing. Some insurance companies are not set up to provide prices over the internet, so it’s important to compare price quotes from those companies as well.

Don’t listen to company ads

Auto insurance companies such as Progressive, Geico, Allstate and State Farm regularly use ads in print and on television. They all seem to make the promise that drivers can save some big amount if you just switch your auto insurance coverage to their company. Is it even possible that every company can sell you cheaper insurance coverage? Here is the trick they use.

Different companies require specific criteria for the type of driver that is profitable for them. An example of a driver they prefer might have to be between the ages of 30 and 50, owns a home, and drives a vehicle with a low ISO rating. Any person that meets those criteria will get the preferred rates and have a good chance to pay quite a bit less when switching companies.

Drivers who don’t meet these stringent criteria will be charged higher rates with the end result being the prospect going elsewhere. The ads state “drivers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s why insurance companies can advertise the savings.

Each company has different criteria, so it’s extremely important to compare as many free insurance coverage quotes as you can. It’s just not possible to know the company that will give you lower car insurance rates than your current company.

What affects Mercury Villager insurance costs?

Many things are used when premium rates are determined. Some are obvious such as your driving record, but others are less obvious like your vehicle usage or your commute time.

  • Safer the car lower the rate – Vehicles that have high safety ratings tend to have lower insurance rates. These vehicles reduce occupant injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Mercury Villager has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
  • Women tend to be lower risk – Statistics demonstrate women tend to be less risk to insure than men. The data does not necessarily mean that men are WORSE drivers than women. They both tend to get into accidents in similar numbers, but the men get into accidents with more damage. Men also get higher numbers of serious violations like DWI (DUI) or reckless driving. Youthful male drivers cause the most accidents and are penalized with high insurance rates.
  • Liability protection limits should be high – Liability insurance is the coverage that protects you when you are responsible for causing damage or personal injury in an accident. Your liability coverage provides you with a defense in court which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Discounts for alarm systems – Buying a car with advanced anti-theft systems can earn a premium discount. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft and help lower rates.
  • Use but don’t abuse your insurance – If you’re an insured who likes to file claims you can look forward to either higher rates or even cancellation. Insurance companies give better rates to insureds who are claim-free. Insurance coverage is intended for larger claims.

Save a ton with these car insurance discounts

Properly insuring your vehicles can get expensive, but you can get discounts that can help lower your rates. Certain reductions will be credited when you purchase, but some discounts are required to be manually applied prior to getting the savings.

  • Driver Safety – Successfully completing a defensive driving course could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Senior Discount – Seniors may be able to get a small discount on rates on Villager coverage.
  • Student Discounts – A discount for being a good student may save you up to 25%. Most companies allow this discount up until you turn 25.
  • Organization Discounts – Affiliation with qualifying employment or professional organizations may earn a discount when shopping for car insurance.
  • Homeowners Savings – Just being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • E-sign Discounts – Many car insurance companies will discount your bill up to fifty bucks get insurance coverage on the web.
  • New Vehicle Savings – Buying insurance on a new vehicle can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Responsible Driver Discounts – Drivers without accidents may receive a discount up to 45% on Villager coverage than drivers with accident claims.

You can save money using discounts, but most credits do not apply the the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like you could get a free car insurance policy, it doesn’t quite work that way.

A list of companies and some of their more popular discounts are outlined below.

  • State Farm may offer discounts for good driver, accident-free, student away at school, safe vehicle, and Steer Clear safe driver discount.
  • Progressive offers premium reductions for online quote discount, good student, multi-vehicle, continuous coverage, multi-policy, online signing, and homeowner.
  • Progressive policyholders can earn discounts including homeowner, online quote discount, online signing, good student, and multi-policy.
  • MetLife may have discounts that include claim-free, multi-policy, good student, good driver, accident-free, and defensive driver.
  • Farm Bureau offers discounts including multi-policy, youthful driver, 55 and retired, good student, safe driver, and multi-vehicle.
  • Geico discounts include seat belt use, membership and employees, anti-theft, daytime running lights, and military active duty.
  • SAFECO has savings for bundle discounts, homeowner, drive less, anti-lock brakes, anti-theft, multi-car, and teen safe driver.

It’s a good idea to ask each company or agent which discounts you qualify for. Some of the discounts discussed earlier might not be available to policyholders in your state.

Car insurance can get complicated

When it comes to buying coverage, there is no best way to insure your cars. Every situation is different.

For instance, these questions could help you determine if you would benefit from an agent’s advice.

  • Do I have coverage when using my vehicle for my home business?
  • Do I benefit by insuring my home with the same company?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • When can I cancel my policy?
  • Does my insurance cover a custom paint job?
  • Is there coverage for injuries to my pets?
  • Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverages

Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Medical costs insurance

Med pay and PIP coverage pay for bills like X-ray expenses, prosthetic devices and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision coverage covers damage to your Villager resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sideswiping another vehicle, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, vandalism, fire damage and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your 1996 Mercury Villager.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Liability insurance

Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims such as repair bills for other people’s vehicles, legal defense fees, emergency aid, attorney fees and loss of income. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

More quotes mean more savings

Throughout this article, we presented some good ideas how to lower your 1996 Mercury Villager insurance car insurance rates. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising.

When buying insurance coverage, you should never reduce needed coverages to save money. There are many occasions where someone dropped comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. The ultimate goal is to purchase plenty of coverage for the lowest price.

Cheaper 1996 Mercury Villager insurance is possible on the web as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some companies do not provide online rate quotes and many times these small, regional companies only sell coverage through local independent agencies.

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