1994 Mercury Villager Insurance Rates – 7 Ways to Save

Nobody that owns a car looks forward to paying for insurance coverage, especially when they are aware that they could find better rates elsewhere.

Companies like GEICO, 21st Century and Progressive promote their brand names with catchy ads and it is difficult to sift through the bull and find the best price available.

If you have car insurance now, you stand a good chance to be able to save some money using this information. Finding the best rates is not rocket science. Although vehicle owners benefit from understanding how big insurance companies sell insurance online and take advantage of how the system works.

Are you receiving every discount?

Companies that sell car insurance don’t always list their entire list of discounts very well, so below is a list a few of the more common in addition to some of the lesser obvious credits available to you.

  • Discount for Low Mileage – Fewer annual miles on your Mercury may allow you to get slightly better premium rates than normal.
  • Resident Student – Any of your kids who are enrolled in higher education away from home and do not have a car can be insured at a reduced rate.
  • Discounts for Cautious Drivers – Drivers who don’t get into accidents could pay up to 40% less for Villager insurance than drivers with accidents.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Online Discount – A few larger online companies will give you a small discount for buying your policy online.
  • Driver’s Ed – It’s a good idea to have your young drivers sucessfully take a drivers education course in school or through a local driver safety program.
  • Bundled Policy Discount – When you have multiple policies with one insurance company you may save at least 10 to 15 percent or more.

One last thing about discounts, most credits do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will definitely reduce the cost of coverage.

For a list of insurance companies that provide some of the discounts listed above, click this link.

Compare free insurance coverage rate quotes

To find inexpensive insurance coverage quotes, there are several ways of comparing rate quotes from many available insurance coverage companies in your state. The best method to find the lowest 1994 Mercury Villager rates is to get quotes online. It’s really quite simple and can be done using a couple different methods.

  • If you are pressed for time, the simplest way to find low rates would be an industry-wide quote request form click here to open form in new window. This easy form keeps you from doing multiple quote forms to each individual insurance coverage company. Filling out one form gets you coverage quotes instantly.
  • A slightly less efficient method to obtain and compare quotes online consists of visiting the website of each company and repeat the quote process again and again. For sake of this example, we’ll pretend you want rates from USAA, GEICO and Farmers. In order to get each rate, you would have to go to each individual site and enter your information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but try to keep equivalent coverage limits on every quote you get. If you have unequal deductibles or liability limits it’s impossible to make a fair rate comparison. Quoting even small variations in insurance coverages or limits can mean a large discrepancy in price. And when price shopping your coverage, comparing more quotes provides better odds of finding lower pricing.

When in doubt talk to an agent

When it comes to choosing the best insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that may help you determine whether your personal situation may require specific advice.

  • Is my 1994 Mercury Villager covered for smoke damage?
  • Should I sign the liability waiver when renting a car?
  • Is a fancy paint job covered?
  • Are split liability limits better than a combined single limit?
  • Is there coverage for injuries to my pets?
  • Am I covered when driving someone else’s vehicle?
  • Exactly who is provided coverage by my policy?
  • What is covered by UM/UIM coverage?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area.

Specifics of your car insurance policy

Understanding the coverages of your car insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on the average car insurance policy.

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

Collision coverage protects against claims such as damaging your car on a curb, crashing into a building, driving through your garage door and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, theft, hitting a deer and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercury Villager.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Auto liability – Liability insurance protects you from damages or injuries you inflict on other’s property or people by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things such as bail bonds, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like hospital visits, rehabilitation expenses, EMT expenses, pain medications and ambulance fees. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

The best insurance company isn’t always the cheapest

When getting insurance coverage quotes online, make sure you don’t skimp on coverage in order to save money. There have been many situations where someone sacrificed liability coverage limits and found out when filing a claim that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

We’ve covered some good ideas how you can reduce 1994 Mercury Villager insurance rates online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the most savings is with some of the lesser-known companies. These companies may have significantly lower car insurance rates on certain market segments compared to the large companies like State Farm and Allstate.

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