Compare 1993 Mercury Villager Insurance Quotes

Searching for the cheapest insurance for a new or used Mercury Villager can normally be difficult, but you can learn the following methods to find lower rates.

There are more efficient ways to find insurance coverage online so we’re going to tell you the quickest way to price shop coverage on a Mercury and locate the cheapest rates from both online companies and local agents.

Shopping for the cheapest protection can be fairly easy. If you have a current auto insurance policy or need a new policy, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Drivers just need to know the proper way to shop online.

How much can you save with discounts?

Insuring your fleet can be pricey, but there are discounts available that you may not even be aware of. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be inquired about in order for you to get them. If you don’t get every credit possible, you are throwing money away.

Auto/Home Discount – When you have multiple policies with the same insurance company you may save at least 10% off all policies.
Driver Safety – Taking a course teaching defensive driving skills can save you 5% or more depending on where you live.
Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less on Villager coverage than less cautious drivers.
Multiple Vehicles – Having multiple vehicles on the same car insurance policy could earn a price break for each car.
Accident Free – Good drivers with no accidents pay much less compared to frequent claim filers.
Homeowners Discount – Owning a house may earn you a small savings because maintaining a house shows financial diligence.
Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
Accident Waiver – Certain companies permit an accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
Resident Student – Children who are attending college without a vehicle on campus can receive lower rates.

Keep in mind that most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will reduce the amount you have to pay.

Companies who might offer these discounts include:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Some discounts might not apply everywhere.

How much car insurance do I need?

When buying proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions can aid in determining whether or not you may require specific advice.

How high should my medical payments coverage be?
Can I pay claims out-of-pocket if I buy high deductibles?
Should I file a claim if it’s only slightly more than my deductible?
Do all my vehicles need collision coverage?
Do I have coverage when making deliveries for my home business?
Am I covered if I hit a deer?
At what point should I drop full coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

How can Progressive, Geico, Allstate and State Farm save drivers who switch?

Consumers can’t get away from ads for car insurance savings by companies like Progressive, Geico, Allstate and State Farm. They all say the same thing that you can save if you switch to them.

But how can every company make the same claim? This is how they do it.

All the different companies have a certain “appetite” for the right customer that is profitable for them. For example, a desirable insured might be profiled as between 25 and 40, has no driving citations, and chooses high deductibles. A propective insured that hits that “sweet spot” is entitled to the best price and most likely will save when they switch companies.

Potential customers who don’t qualify for these standards will have to pay higher prices and ends up with business not being written. The ads say “people who switch” not “everyone that quotes” save that much money. This is how companies can truthfully state the savings.

Because of the profiling, you need to get a wide range of price quotes. It’s just too difficult to predict which auto insurance company will fit your personal profile best.

Insurance coverage basics

Having a good grasp of your policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for immediate expenses such as chiropractic care, EMT expenses and ambulance fees. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Collision insurance

Collision insurance pays for damage to your Villager resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, colliding with a tree, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, falling objects, hail damage, damage from a tornado or hurricane and hitting a bird. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

This can cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like legal defense fees, medical services, funeral expenses, repair bills for other people’s vehicles and court costs. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Better coverage you can count on

You just learned a lot of ways to save on 1993 Mercury Villager insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the best price on insurance is with a lesser-known regional company.

People change insurance companies for a number of reasons such as denial of a claim, high prices, extreme rates for teen drivers and policy cancellation. It doesn’t matter why you want to switch choosing a new insurance company can be less work than you think.

When you buy insurance online, you should never reduce coverage to reduce premium. In many cases, an insured dropped comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest price.