1997 Mercury Villager Car Insurance Rates – 8 Discounts for Cheaper Quotes

If you’re trying to find cheaper insurance, are you baffled by the crazy number of insurance providers in your area? Vehicle owners have so many providers to choose from that it can easily become a chore to find a more affordable company.

It’s a good idea to quote other rates at least once a year because prices are adjusted regularly by insurance companies. Even if you got the lowest rates for Villager insurance on your last policy you can probably find a better premium rate now. Forget anything you know (or think you know) about insurance because it’s time to teach you how to use the internet to lower your annual insurance bill.

Eight discounts to earn affordable car insurance rates

Not many people think insurance is cheap, but there’s a good chance there are discounts that can drop the cost substantially. Most are applied at the time of quoting, but some discounts are required to be specifically requested before being credited.

  • Discount for Multiple Policies – If you combine your home and auto policies with the same company you may earn at least 10 to 15 percent or more.
  • Multi-line Discount – Insurance companies who offer life insurance give a small discount if you purchase life insurance.
  • Telematics Discount – People who choose to allow their car insurance company to study when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot might get better premium rates as long as the data is positive.
  • Low Mileage – Low mileage vehicles may allow you to get substantially lower car insurancerates.
  • Theft Deterent System – Cars equipped with anti-theft or alarm systems can help prevent theft so companies will give you a small discount.
  • Accident Forgiveness – This isn’t a discount exactly, but some insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.
  • Passenger Safety Discount – Options like air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Distant Student – Older children who are attending college and don’t have a car can be insured at a reduced rate.

It’s important to note that some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. Even though it appears you could get a free car insurance policy, nobody gets a free ride.

Companies and their offered discounts can be found below.

  • 21st Century discounts include teen driver, early bird, theft prevention, student driver, anti-lock brakes, good student, and 55 and older.
  • Progressive includes discounts for multi-policy, continuous coverage, homeowner, multi-vehicle, online signing, online quote discount, and good student.
  • State Farm has discounts for good driver, passive restraint, driver’s education, multiple autos, defensive driving training, and Steer Clear safe driver discount.
  • Nationwide offers discounts including easy pay, multi-policy, accident-free, family plan, and good student.
  • Esurance may offer discounts for Switch & Save, online quote, emergency road assistance, multi-car, and defensive driver.
  • The Hartford may have discounts that include bundle, anti-theft, vehicle fuel type, air bag, defensive driver, good student, and driver training.

Before you buy a policy, ask every company how many discounts you can get. Some discounts might not apply in your area. If you would like to choose from a list of insurance companies who offer online car insurance quotes, click this link.

Tailor your insurance coverage to you

When buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

These are some specific questions might help in determining if your situation could use an agent’s help.

  • Does my insurance cover my expensive audio equipment?
  • How can I get high-risk coverage after a DUI?
  • Does my car insurance cover rental cars?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I sign the liability waiver when renting a car?
  • Can I get a multi-policy discount?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, complete this form.

Specific coverage details

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, rock chips in glass and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Mercury Villager.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for immediate expenses like surgery, prosthetic devices, funeral costs and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability – Liability coverage protects you from damage that occurs to other people or property by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as structural damage, funeral expenses and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverages – Collision coverage will pay to fix damage to your Villager resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like damaging your car on a curb, backing into a parked car, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Get your money’s worth

As you prepare to switch companies, make sure you don’t buy less coverage just to save a little money. There are many occasions where an insured cut liability coverage limits and found out when filing a claim that the savings was not a smart move. Your aim should be to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.

Drivers switch companies for any number of reasons including high rates after DUI convictions, lack of trust in their agent, being labeled a high risk driver or even denial of a claim. It doesn’t matter what your reason, finding the right car insurance provider can be easy and end up saving you some money.

You just read a lot of ways to save on 1997 Mercury Villager insurance. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a small mutual company.

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