Lower Your 1999 Mercury Villager Car Insurance Rates

Searching for the cheapest auto insurance rates for your Mercury Villager? Tired of scraping the payment together to pay high auto insurance rates every month? Your situation is no different than most other vehicle owners. Because you have many companies to choose from, it is hard for the average consumer to pick a lower cost auto insurance provider.

Discounts for affordable auto insurance quotes

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that many consumers don’t even know exist. Some of these disounts will be visible when you purchase, but once in a while a discount must be specifically requested before being credited.

  • Save over 55 – Older drivers are able to get a small decrease in premiums for Villager insurance.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can receive discounts of 25 to 30%.
  • Drive Less and Save – Low annual miles can qualify you for lower prices on the low mileage vehicles.
  • Distant College Student Discount – Older children who are enrolled in higher education away from home and do not take a car to college can receive lower rates.
  • E-sign – Many insurance companies provide a small discount just for signing your application over the internet.
  • Smart Student Discounts – Excelling in school can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.
  • Bundle and Save – If you can combine your home and auto policy and insure them both with the same insurance company they may give you a discount of at least 10% off all policies.
  • Multi-car Discount – Buying a policy with multiple cars or trucks with the same company could earn a price break for each car.

As is typical with insurance, most of the big mark downs will not be given the the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Even though it appears adding up those discounts means a free policy, you’re out of luck.

The best auto insurance companies and their offered discounts can be read below.

  • State Farm offers premium reductions for driver’s education, defensive driving training, passive restraint, anti-theft, and safe vehicle.
  • Nationwide discounts include anti-theft, business or organization, good student, easy pay, Farm Bureau membership, and defensive driving.
  • Geico may offer discounts for military active duty, good student, seat belt use, five-year accident-free, membership and employees, and air bags.
  • AAA offers discounts for education and occupation, multi-car, anti-theft, AAA membership discount, multi-policy, good student, and good driver.
  • 21st Century has savings for teen driver, early bird, automatic seat belts, anti-lock brakes, defensive driver, and theft prevention.
  • The Hartford policyholders can earn discounts including bundle, good student, air bag, anti-theft, and defensive driver.

Before you buy a policy, ask each insurance company to give you their best rates. Depending on the company, some discounts may not apply to policies in your area.

Where can I get affordable insurance coverage?

All the larger insurance coverage companies allow consumers to get coverage price quotes directly from their websites. Comparing rates online is possible for anyone as you simply enter your personal and coverage information into the form. Once entered, their system will order information on your driving record and credit history and generates pricing information based on the data you entered. Online price quotes simplifies rate comparisons, but the work required to visit each company’s website and repetitively complete many quote forms can be a bit repetitive. But it is imperative to compare as many rates as possible if you want to get the lowest insurance coverage rates.

The quickest way to locate the lowest prices makes use of a single form to get prices from many companies. This type of form saves time, eliminates form submissions, and makes rate comparisons much simpler. Once the form is submitted, it is quoted and you are able to buy any or none of the returned quotes.

If the quotes result in lower rates, you can click and sign and purchase the new policy. It takes just a few minutes to complete and may result in a nice savings.

To save time and compare pricing, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you enter the coverage information exactly as they are listed on your policy. This ensures you will have a fair comparison for similar insurance coverage.

Insurance premiums are influenced by these factors

Lots of things are considered when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, although some other factors are not as apparent like where you live or your vehicle rating.When buying car insurance it’s important to understand some of the elements that aid in calculating the rates you pay for car insurance. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that can earn you lower rates.

  • Don’t abuse policy claims – If you are the type of insured that files lots of claims you can pretty much guarantee either policy cancellation or increased premiums. Insurance companies give lower rates to insureds who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for claims that you cannot pay yourself.
  • Insure your auto and home with one company – Most companies apply better rates to people who consolidate policies with them such as combining an auto and homeowners policy. Even with this discount applied, it’s in your best interest to get quotes from other companies to guarantee you are still saving the most.There is a good possibility that you can find a better deal by buying from different companies
  • High physical damage deductibles equal low rates – Coverage for physical damage, also called comprehensive and collision insurance, is used to repair damage to your Mercury. Some instances where coverage would apply are a dented fender, damage caused by hail, and burglary. Comp and collision deductibles define how much you are required to spend before a claim is paid by your company. The more money you choose to pay out-of-pocket, the lower your rates will be for Villager insurance.
  • Fewer miles means better prices – The higher the miles on your Mercury every year the higher your rates will be. Almost all companies charge to insure your cars based upon how you use the vehicle. Cars and trucks that do not get driven very much receive better premium rates than vehicles that have high annual mileage. Having the wrong rating on your Villager may be costing you. Make sure your car insurance declarations sheet states the correct usage, because improper ratings can cost you money.

You may need specialized insurance coverage coverage

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that can aid in determining if your insurance needs will benefit from professional help.

  • Is my babysitter covered when using my vehicle?
  • Should I have combined single limit or split liability limits?
  • What are the financial responsibility laws in my state?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need rental car coverage?
  • When should I not file a claim?
  • Do all my vehicles need collision coverage?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and you can get the answers you need.

Why you might not save $468 a year

Drivers constantly see and hear ads for insurance coverage savings by Progressive, Geico, Allstate and State Farm. All the companies try to convey promises of big savings if you move your insurance coverage policy to them.

Is it even possible that every company can lower your prices?

Companies give the best rates for the type of driver that is profitable for them. A good example of a driver they prefer could possibly be between the ages of 30 and 45, has other policies, and has a short commute. A customer who matches that profile may get the lowest premium rates and will save when they switch companies.

Drivers who fall short of this stringent profile may receive higher premiums and the customer not purchasing. Company advertisements say “drivers that switch” not “everyone who quotes” save that much money. That is how insurance companies can confidently make those claims.

Because of these techniques, you should get a wide range of price quotes. It’s just not possible to know which insurance companies will have better rates than you’re paying now.

Car insurance 101

Learning about specific coverages of a insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages offered by insurance companies.

Comprehensive or Other Than Collision – This pays to fix your vehicle from 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 can pay for things such as fire damage, damage from a tornado or hurricane, rock chips in glass, hitting a bird and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – Collision insurance pays for damage to your Villager resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, hitting a mailbox, sideswiping another vehicle, sustaining damage from a pot hole and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like dental work, EMT expenses and funeral costs. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

UM/UIM Coverage – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Mercury Villager.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability coverages – This provides protection from injuries or damage you cause to a person or their property. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like loss of income, repair bills for other people’s vehicles, pain and suffering, attorney fees and legal defense fees. How much coverage you buy is your choice, but you should buy as large an amount as possible.

A fool and his money are soon parted

Lower-priced insurance coverage is available from both online companies as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not offer rate quotes online and these regional insurance providers provide coverage only 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. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. Your focus should be to buy enough coverage at an affordable rate while still protecting your assets.

In this article, we covered a lot of techniques to reduce 1999 Mercury Villager insurance car insurance rates online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest car insurance rates are with a lesser-known regional company. They may have significantly lower premium rates on certain market segments as compared to the big name companies such as Allstate and Progressive.

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