1998 Mercury Villager Insurance Quotes

Have you had enough of scraping nickels together to make your insurance coverage payment? You are no different than millions of other people.

Due to the abundance of insurance coverage companies to choose from, it can be challenging to find the lowest cost insurance company.

How car insurance companies calculate Mercury Villager insurance premiums

Lots of things are part of the equation when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but others are not as apparent such as your marital status or your commute time.

The items below are a partial list of the pieces used by your company to calculate your rates.

Do you save by driving less? – The higher the mileage driven every year the more it will cost to insure it. Many insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Autos not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your car insurance coverage reflects annual mileage. An improperly rated Villager can result in significantly higher rates.
Married people drive safer – Getting married actually saves money on car insurance. Having a significant other means you’re more mature than a single person and insurance companies like that married couples file fewer claims.
Frequent claims will cost you – If you file a lot of claims you can look forward to increased rates or even have your policy non-renewed. Companies generally give discounts to drivers who do not rely on their insurance for small claims. Insurance coverage is intended for claims that you cannot pay yourself.
Lower rates with a multi-policy discount – Most companies will award a discount to people that purchase more than one policy in the form of a multi-policy discount. The discount can be ten or even fifteen percent. Even if you’re getting this discount it’s always a smart idea to compare other insurance prices to make sure you are getting the best deal.There is a good possibility that you can save more without the discount by buying car insurance from a different company.
Good drivers pay better rates – Your driving citation history can have a huge impact on auto insurance premiums. Good drivers have lower premiums as compared to careless drivers. Getting just one moving violation can increase rates twenty percent or more. Drivers who get severe tickets such as reckless driving or DUI might be required by their state to file a SR-22 with their state’s licensing department in order to legally drive a vehicle.
Pay more out-of-pocket – Insurance for physical damage, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Some instances where coverage would apply could be running into the backend of another car, hail damage, and burglary. Comprehensive and collision coverage deductibles represent how much money you are willing to pay if a claim is determined to be covered. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance on Villager coverage.
What are good liability protection limits? – Liability insurance will afford coverage in the event that a court rules you are at fault for physical damage or personal injury to other. Your policy’s liability insurance provides you with a defense in court starting from day one. It is affordable coverage compared to physical damage coverage, so do not cut corners here.
If you don’t need it don’t buy it – There are a lot of extra coverages that you can buy if you aren’t diligent. Things like coverage for rental cars, accident forgiveness, and additional equipment coverage are some examples. These coverages may sound good when you first buy your policy, but your needs may have changed so consider taking them off your policy.

How to buy insurance coverage

When looking for the cheapest car insurance quotes, there are a couple ways to get quotes from many available insurance coverage companies in your state. The simplest method to lower the rate you pay for 1998 Mercury Villager insurance is to jump online and get quotes. It’s really quite simple and can be done by using one of the methods below.

The recommended way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing multiple quote forms for each price estimate. In just a few minutes this one form gets you price quotes instantly.

A more difficult way to shop for insurance coverage online requires a visit to the website of each company to complete a price quote. For examples sake, let’s assume you want to compare prices for Nationwide, Allstate and Farmers. You would be required to navigate to each company’s site and repeatedly type in your coverage information, and that explains why we recommend the first method. For a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but try to use identical quote data with every price quote. If each company quotes different deductibles you will not be able to determine which rate is truly the best. Just a small difference in coverages may result in large price differences. And when quoting insurance coverage, remember that making a lot of price comparisons helps locate the best rates.

Advertising and car insurance

Car insurance companies such as State Farm and Allstate endlessly run television and radio advertisements. They all seem to make the point that drivers can save some big amount if you switch your car insurance coverage to their company. How does each company offer you a better deal? You have to listen carefully.

Insurance companies quote their cheapest rates for the type of driver that earns them a profit. For instance, a desirable risk might have to be a married male, has a clear driving record, and drives a safe vehicle. Any driver that fits those parameters receives the best auto insurance rates and have a good chance to cut their rates if they switch.

Drivers who fall short of the “perfect” profile may receive more expensive rates and this can result in business going elsewhere. The trick companies use is to say “people who switch” not “everyone that quotes” can save as much as they claim. That’s the way companies can truthfully lure you into getting a quote.

This really emphasizes why drivers should compare as many free car insurance quotes as you can. It is impossible to guess with any certainty which company will have the lowest premium rates for your situation.

More discounts mean affordable premiums

Some providers don’t always advertise every discount in a way that’s easy to find, so the below list has some of the best known as well as the least known credits available to you.

Bundled Policy Discount – When you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.
College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
Paperwork-free – A few larger online companies give back up to $50 for completing your application on your computer.
Multiple Vehicles – Buying insurance for several vehicles on a single policy could earn a price break for each car.
Low Mileage – Keeping the miles down on your Mercury can earn discounted rates on garaged vehicles.
Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and can earn a small discount on your policy.
Driver Education Discount – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course in school or through a local driver safety program.
Early Payment Discounts – By making one initial payment rather than paying monthly you can avoid the installment charge.
No Claims – Good drivers with no accidents pay less when compared with frequent claim filers.
Active Service Discounts – Having a deployed family member can result in better premium rates.

Discounts lower rates, but some credits don’t apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, nobody gets a free ride.

To locate insurers that offer many of these discounts, follow this link.

It’s not one size fits all

When it comes to buying coverage, there really is not a cookie cutter policy. Each situation is unique and your policy should reflect that. Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.

What is the ISO rating for a 1998 Mercury Villager?
Am I covered if I hit my neighbor’s mailbox?
Am I better off with higher deductibles on my 1998 Mercury Villager?
What if I owe more than I can insure my car for?
Can I afford to buy a different vehicle if my 1998 Mercury Villager is totaled?
Who is covered when they drive my 1998 Mercury Villager?
Is my 1998 Mercury Villager covered for flood damage?
Should I buy only the required minimum liability coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Specifics of your insurance policy

Having a good grasp of insurance aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Liability auto insurance

This protects you from injuries or damage you cause to other people or property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like pain and suffering, legal defense fees, loss of income, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Villager resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as driving through your garage door, colliding with a tree, crashing into a building, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Mercury Villager.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical payments and PIP coverage

Med pay and PIP coverage pay for bills for things like X-ray expenses, chiropractic care, doctor visits, dental work and EMT expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Comprehensive auto coverage

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

Comprehensive coverage protects against things such as falling objects, theft, vandalism and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Online plus local equals savings

You just learned some good ideas how you can get a better price on 1998 Mercury Villager insurance. The key thing to remember is the more you quote car insurance, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with a smaller regional carrier. They may only write in your state and offer lower prices compared to the large companies like State Farm or Progressive.

When you buy car insurance online, never skimp on critical coverages to save a buck or two. In many instances, someone sacrificed liability coverage limits only to discover later that the savings was not a smart move. Your strategy should be to buy enough coverage for the lowest cost while not skimping on critical coverages.