Compare 1993 Mercury Villager Insurance Rates

Trying to find better auto insurance rates for your Mercury Villager? Searching for better insurance prices for a Mercury Villager can be difficult, but you can learn the following methods to find lower rates.

There are more efficient ways to find auto insurance online so we’re going to tell you the proper way to get price quotes on a Mercury and get the cheapest rates from both online companies and local agents.

If you are insured now or are looking for a new policy, you can use these tips to get lower rates and possibly find even better coverage. Shopping for affordable protection is quite easy. Vehicle owners just need to learn the most effective way to shop on the web.

Get cheaper insurance quotes with discounts

Some companies don’t necessarily list all disounts very clearly, so the following is a list of a few of the more well known and also the more inconspicuous discounts you could be receiving when you buy car insurance online.

  • College Student Discount – College-age children who are attending college without a vehicle on campus could get you a discount.
  • Safety Restraint Discount – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Drivers Education – It’s a good idea to have your young drivers complete a driver education course in school or through a local driver safety program.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance too.
  • Early Payment Discounts – By making one initial payment as opposed to paying monthly you can avoid monthly service charges.
  • Driver Training Discounts – Taking part in a class that teaches defensive driver techniques could possibly earn you a 5% discount and make you a better driver.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to your bottom line cost. Most only cut individual premiums such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way.

To locate providers that offer multiple discounts, follow this link.

Learn how to get insurance cheaper

Many things are used in the calculation when pricing auto insurance. Most are fairly basic such as your driving record, but other factors are more transparent such as your marital status and annual miles driven.

  • Men drivers tend to cost more – The statistics show that women are safer drivers than men. The data does not necessarily mean that women are better drivers. Women and men cause at-fault accidents in similar numbers, but guys tend to have higher claims. Not only are claims higher, but men get cited for more serious violations such as DWI and reckless driving. Young males are several times more likely to be in an accident and therefore pay the highest rates.
  • Small claims can cost you – Insurance companies provide better rates to insureds who file claims infrequently. If you frequently file small claims, you can pretty much guarantee much higher rates or policy non-renewal. Insurance coverage is intended for the large, substantial claims.
  • How many miles do you drive? – Driving more miles in a year’s time the higher your rates will be. A lot of insurance companies calculate prices based upon how you use the vehicle. Cars that have low annual miles receive lower rates compared to those used for work or business. An incorrectly rated Villager may be wasting your money. Verify your insurance policy is showing annual mileage, because improper ratings can cost you money.
  • A good credit rating can save money – Your credit rating is likely to be a major factor in calculating your insurance rates. Insureds with good credit tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. If your credit leaves room for improvement, you could save money insuring your 1993 Mercury Villager by improving your credit score.
  • Higher comp and collision deductibles cost less – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your Mercury. Some examples of covered claims would be a broken windshield, vandalism, and windstorm damage. Deductibles for physical damage represent how much money you are required to pay if a covered claim is submitted. The higher the amount you are required to pay out-of-pocket, the lower your rates will be for Villager insurance.

Tailor your insurance coverage to you

When buying the best insurance coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

  • Do I have any recourse if my insurance company denies a claim?
  • Does my policy pay for OEM or aftermarket parts?
  • What happens if I owe more than my 1993 Mercury Villager is worth?
  • Should I buy only the required minimum liability coverage?
  • Will my rates increase for filing one claim?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

The car insurance bait and switch

Consumers get pounded daily by advertisements that claim the best premium rates from the likes of State Farm and Allstate. They all convey the message that drivers will save a bundle if you just switch to their company.

But how can every company have lower policy pricing? Here is the trick they use.

All companies require specific criteria for the right customer that will be a good risk. An example of this type of driver might have to be between 25 and 40, has other policies, and has a high credit rating. A propective insured that meets those criteria receives the best prices and will also save quite a bit of money when switching.

Insureds who do not fit this stringent profile may receive a more expensive rate and this results in the customer buying from someone else. The ads say “drivers that switch” not “all people who quote” can save as much as they claim. That’s the way insurance companies can confidently make those claims.

This really emphasizes why drivers should do a price quote comparison at every renewal. It’s impossible to know which company will have the lowest rate quotes.

Detailed coverages of your insurance policy

Learning about specific coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverages

This coverage pays to fix your vehicle from 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 things such as damage from flooding, fire damage, hitting a bird and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage

Collision coverage will pay to fix damage to your Villager caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, rolling your car, hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for things like prosthetic devices, funeral costs, dental work, X-ray expenses and chiropractic care. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people 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. Most of the time these coverages are identical to your policy’s liability coverage.

Liability auto insurance

Liability coverage provides protection from damage that occurs to people or other property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like medical expenses, loss of income, structural damage and legal defense fees. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Keep this in mind

Drivers leave their current company for a variety of reasons including policy non-renewal, lack of trust in their agent, denial of a claim or even high prices. It doesn’t matter what your reason, finding a new company is actually quite simple.

You just learned many ideas to lower your 1993 Mercury Villager insurance prices. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding cheaper car insurance. You may even discover the lowest prices are with the least-expected company.

Cheaper car insurance can be purchased from both online companies and from local agencies, and you need to price shop both to have the best selection. A few companies may not have online quoting and many times these small, regional companies only sell through local independent agencies.

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