1999 Mercury Villager Car Insurance Cost - 8 Tips for Cheapest Prices

Buying the most affordable insurance coverage on the internet may be overwhelming for vehicle owners who are beginners to quoting and comparing and buying insurance coverage over the internet. With so many insurers to choose from, how are vehicle owners able to possibly compare the different rates to find lower insurance coverage premiums?

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. Finding affordable insurance can be fairly easy. But car owners do need to learn how big insurance companies compete online and use this information to your advantage.

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Earn discounts to get lower-cost car insurance quotes

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied at quote time, but a few need to be manually applied in order for you to get them.

Membership in Organizations – Having an affiliation with a professional or civic organization may earn a discount on your next renewal.
Life Insurance Discount – Insurance companies who offer life insurance give lower prices if you buy some life insurance in addition to your auto policy.
No Charge for an Accident – This one isn’t a discount, but some companies like GEICO and Liberty Mutual may permit one accident before they charge you more for coverage with the catch being you have to be claim-free prior to being involved in the accident.
Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction for Villager insurance with some car insurance companies.
Paper-free Discount – Some of the larger companies give back up to $50 for signing up online.
Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save a little on medical payment and PIP coverage.
55 and Retired – Seniors may qualify for reduced rates for Villager insurance.
Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you may reduce your total bill.

We need to note that some credits don’t apply to the entire cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Some companies that may offer policyholders these discounts may include but are not limited to:

When getting free auto insurance quotes, it’s a good idea to each insurance company which discounts you qualify for. Depending on the company, some discounts might not be offered on policies in every state. To find insurance companies offering car insurance discounts, follow this link.

Tailor your insurance coverage coverage to you

When buying coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions might point out whether you will benefit from professional help.

Why am I required to buy high-risk coverage?
Am I covered when driving someone else’s vehicle?
Is a fancy paint job covered?
How much liability insurance is required?
Can I rate high risk drivers on liability-only vehicles?
Why is insurance for a teen driver so high?
Will I be non-renewed for getting a DUI or other conviction?
Does my policy pay for OEM or aftermarket parts?
Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Save $483 a year? Really?

Big name companies like State Farm and Allstate continually stream ads on TV and radio. They all make the same claim that people will save if you switch to their company. How does every company save you money? This is how they do it.

Most companies require specific criteria for the type of customer that will generate a profit. An example of this type of risk profile may be between the ages of 40 and 55, has no driving citations, and drives a lower-performance vehicle. Any person who matches that profile may get the lowest auto insurance rates as well as save a lot if they switch.

People who fall outside these criteria will probably be forced to pay more expensive rates which leads to the customer not buying. The ads say “people that switch” but not “everyone who gets a quote” will save that much if they switch. This is how companies can make those statements. This really emphasizes why it is so important to do a rate comparison at every renewal. It’s just not possible to know the company that will fit you best based on your risk profile.

Insurance specifics

Knowing the specifics of a insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a bird, vandalism and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages

Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims such as medical expenses, repair bills for other people’s vehicles, loss of income and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage protection

This coverage covers damage to your Villager resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as scraping a guard rail, sideswiping another vehicle, rolling your car, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense coverage

Med pay and PIP coverage provide coverage for bills like X-ray expenses, nursing services and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Be a penny pincher

Cheaper car insurance can be sourced online and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some companies may not provide internet price quotes and many times these regional carriers only sell through independent agents.

In this article, we covered quite a bit of information on how to reduce 1999 Mercury Villager insurance premium rates online. The key concept to understand is the more price quotes you have, the higher your chance of finding cheaper auto insurance. You may be surprised to find that the best premium rates are with a smaller regional carrier.

People who switch companies do it for many reasons like unfair underwriting practices, delays in paying claims, extreme rates for teen drivers and high rates after DUI convictions. It doesn’t matter what your reason, finding a new car insurance company is easier than you think.

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