1993 Mercury Villager Insurance Cost – 5 Tips for Best Prices

Are you overwhelmed by the crazy number of insurance coverage company choices? You’re not the only one! You have so many companies to choose from that it can be a real challenge to find lower rates.

You need to take a look at other company’s rates on a regular basis because insurance rates are adjusted regularly by insurance companies. Even if you got the lowest rates on Villager coverage last year there is a good chance you can find better rates now. Starting right now, block out anything you think you know about insurance coverage because you’re going to get a crash course in the quickest way to properly buy coverages and cut your premium.

These five discounts can lower your rates

Companies don’t list every available discount very clearly, so here is a list some of the more common and the more hidden discounts you could be receiving.

  • No Claims – Drivers with accident-free driving histories pay much less when compared to frequent claim filers.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident without raising rates as long as you don’t have any claims prior to the accident.

Consumers should know that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky.

For a list of insurance companies who offer insurance discounts, click here to view.

Different people need different coverages

When it comes to choosing adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Every situation is different.

These are some specific questions can aid in determining whether your personal situation would benefit from professional advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I need added coverage for expensive stereo equipment?
  • Can I drive in Mexico and have coverage?
  • What is UM/UIM insurance?
  • Is extra glass coverage worth it?
  • Where can I find DUI or SR-22 insurance?
  • Do I need motorclub coverage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form.

Auto insurance 101

Knowing the specifics of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Mercury Villager.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage

This covers damage to your Villager from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, hitting a bird, a broken windshield and hitting a deer. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability

Liability insurance will cover damage that occurs to other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things like bail bonds, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills for things like hospital visits, surgery, funeral costs and ambulance fees. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

A penny earned…

Drivers leave their current company for many reasons like questionable increases in premium, unfair underwriting practices, lack of trust in their agent and delays in responding to claim requests. It doesn’t matter why you want to switch switching companies is pretty simple and you could end up saving a buck or two.

As you restructure your insurance plan, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where consumers will sacrifice physical damage coverage only to regret at claim time they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage at a price you can afford.

You just learned a lot of tips how to compare 1993 Mercury Villager insurance prices online. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with the smaller companies.

Helpful learning opportunities