How Much Does 1997 Mercury Villager Car Insurance Cost?

Are you regretting the purchase of an overpriced car insurance policy? It’s a common feeling and there are lots of residents who feel the same.

You have so many auto insurance companies to pick from, and even though it’s nice to have multiple companies, lots of choices makes it harder to find the lowest cost provider.

It’s a good idea to compare rates yearly due to the fact that insurance prices change frequently. Even if you think you had the best deal for Villager insurance a couple years back there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because it’s time to teach you the right way to reduce your cost while increasing coverage.

Finding the best rates is not rocket science. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this strategy. But drivers do need to know the way companies price insurance differently.

Finding car insurance

To find more affordable rates, there are a couple of ways to compare rate quotes from car insurance companies in your area. One of the best ways to find the cheapest Mercury Villager insurance rates is to use the internet to compare rates. It’s really quite simple and can be done in a couple of different ways.

The easiest and least time consuming way to get quotes is a comparison rater form like this one (opens in new window). This easy form eliminates the need for separate forms for each price estimate. One form gets you price quotes instantly.

A different way to analyze rates requires visiting each individual company website and complete a new quote form. For instance, let’s say you want to get rates from Farmers, Allstate and GEICO. You would need to spend time on each company’s site to enter the same coverage data repeatedly, and that explains why we recommend the first method.

For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but be sure to compare nearly identical coverages with each company. If each company quotes differing limits it will be impossible to determine the lowest rate for your Mercury Villager. Even a minor difference in insurance coverages may result in large price differences. Just remember that obtaining a wide range of quotes will improve the odds of getting better pricing. Some insurance companies are not set up to provide online price quotes, so it’s important to compare prices from those companies as well.

Don’t listen to company ads

21st Century, Allstate and State Farm endlessly run television and radio advertisements. All the companies convey the message that drivers can save some big amount after switching your policy. It sounds good, but how can they all offer you a better deal? It’s all in how they say it.

All the different companies give the cheapest rates for the right customer that makes them money. For example, a preferred risk may be over the age of 45, has never had a claim, and drives less than 10,000 miles a year. Any driver that meets those criteria receives the best car insurance rates and have a good chance to save a lot if they switch.

Consumers who are not a match for these stringent criteria will be quoted more expensive rates and this can result in the customer not purchasing. If you listen to the ad wording, they say “drivers who switch” not “everyone who quotes” save that much. That’s why companies can claim big savings. This really emphasizes why drivers must compare quotes as often as possible. Because you never know with any certainty which company will have the best premium rates.

Auto insurance policy discounts

Buying auto insurance is not cheap, but discounts can save money and there are some available to reduce the price significantly. Certain reductions will be credited when you complete an application, but a few must be requested specifically in order for you to get them.

  • Discounts for Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease for Villager insurance with select insurance companies.
  • No Accidents – Insureds who avoid accidents and claims pay much less in comparison to frequent claim filers.
  • Paperwork-free – Some companies may give you up to $50 shop insurance coverage on your computer.
  • ABS Brakes – Vehicles with anti-lock braking systems are much safer to drive so you can save 10 percent or more.
  • Pay Early and Save – If you can afford to pay the entire bill rather than paying in monthly installments you may reduce your total bill.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts could see savings of 20% or more.
  • Student in College – who are enrolled in higher education away from home and leave their car at home can be insured at a reduced rate.
  • Early Renewal Discounts – Some companies provide a discount for signing up prior to your current policy expiring. This can save 10% or more.
  • Buy New and Save – Insuring a new car can get you a discount since newer models have better safety ratings.

Remember that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. So even though it sounds like you can get free auto insurance, that’s just not realistic.

If you would like to view auto insurance companies who offer free auto insurance quotes, click this link.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage for your vehicles, there is no cookie cutter policy. Each situation is unique so your insurance should reflect that These are some specific questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • How many claims can I have before being cancelled?
  • Do all my vehicles need collision coverage?
  • Am I covered by my spouse’s policy after a separation?
  • How can I get my company to pay me more for my totalled car?
  • Is a fancy paint job covered?
  • What can I do if my company denied a claim?
  • If my pet gets injured in an accident are they covered?
  • What is the ISO rating for a 1997 Mercury Villager?
  • How much liability coverage do I need in my state?
  • Does insurance cover damages from a DUI accident?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

The coverage is in the details

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average insurance policy.

Comprehensive (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, damage from flooding, hitting a deer and damage from getting keyed. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages

This coverage will cover injuries or damage you cause to people or other property in an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like loss of income, pain and suffering, repair costs for stationary objects and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Mercury Villager.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with another moving vehicle, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for chiropractic care, rehabilitation expenses, hospital visits and pain medications. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Coverage on a shoestring budget

As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. Too many times, an insured cut physical damage coverage and discovered at claim time they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Cheaper 1997 Mercury Villager insurance can be sourced on the web and from local agencies, and you should compare rates from both in order to have the best chance of saving money. There are still a few companies who may not provide online price quotes and many times these regional insurance providers prefer to sell through independent insurance agents.

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