Lower Your 1996 Mercury Villager Insurance Rates

Searching for cheaper insurance for your Mercury Villager can be an all-consuming task, but you can follow our insurance buying tips and make it easy.

There is a right way and a wrong way to compare insurance rates so we’re going to tell you the absolute fastest way to quote coverages for your Mercury and find the lowest price.

It’s smart to check insurance prices every six months because prices change regularly. Despite the fact that you may have had the best price for Villager insurance a year ago the chances are good that you can find a lower rate today. So block out anything you think you know about insurance because you’re about to learn one of the quickest ways to reduce your cost while increasing coverage.

If you have insurance now or need a new policy, you can follow these tips to reduce the price you pay while maximizing coverage. Shopping for the best protection is not that difficult. Drivers only need to know the most effective way to compare price quotes online.

Mercury Villager rates are complex

Smart consumers have a good feel for the different types of things that help determine your car insurance rates. When you know what positively or negatively determines base rates helps enable you to make changes that could result in much lower annual insurance costs.

  • Special features that cut premiums – Owning a car with anti-theft technology or alarm system can save you a little every year. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
  • Older drivers pay less – More mature drivers are more responsible, file fewer claims and receive fewer citations. Teen drivers are known to be less responsible when driving and because of this, their car insurance rates are much higher.
  • Tickets mean higher rates – Only having one citation can bump up the cost by twenty percent. Drivers who don’t get tickets have lower premiums than bad drivers. Drivers with serious tickets like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
  • Add-on coverages can add up – There are many extra bells and whistles that can waste your money on your 1996 Villager policy. Coverages for roadside assistance, accident forgiveness and membership fees are some examples. They may seem good at first, but your needs may have changed so eliminate them to save money.

Best discounts on 1996 Mercury Villager coverage

The cost of insuring your cars can be expensive, but companies offer discounts that you may not even be aware of. Some discounts apply automatically when you complete an application, but some must be asked for prior to receiving the credit. If you don’t get every credit possible, you are throwing money away.

  • Low Mileage – Keeping the miles down on your Mercury can qualify you for discounted rates on garaged vehicles.
  • No Accidents – Claim-free drivers can save substantially as compared to bad drivers.
  • Seat Belts Save – Requiring all passengers to use their safety belts could save 15% off your medical payments premium.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • One Accident Forgiven – A few companies permit an accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Driver Safety – Completing a course in driver safety could cut 5% off your bill if you qualify.

Drivers should understand that most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way. But all discounts will bring down your overall premium however.

To see a list of providers offering insurance coverage discounts, click here.

Can you really save that much by switching?

Consumers get pounded daily by advertisements that promise big savings from companies such as State Farm, Geico and Progressive. All the companies say the same thing about savings after switching your policy.

How do they all make almost identical claims? This is how they do it.

All companies have a preferred profile for the driver that is profitable for them. An example of a profitable customer might be profiled as over the age of 40, insures multiple vehicles, and chooses high deductibles. A propective insured who fits that profile gets the lowest rates and as a result will probably save when they switch companies.

Potential customers who are not a match for this ideal profile must pay higher premiums and ends up with business going elsewhere. Company advertisements say “people who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can confidently advertise the savings.

This illustrates why drivers must get quotes from several different companies. It’s not possible to predict the company that will fit your personal profile best.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is not a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.

  • Is a new car covered when I drive it off the dealer lot?
  • Is my teenager covered with friends in the car?
  • Does coverage extend to Mexico or Canada?
  • Should I have a commercial auto policy?
  • When would I need additional glass coverage?
  • Is my nanny covered when driving my vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered when delivering products for my home-based business?
  • Does coverage extend to my business vehicle?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverage details

Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Mercury Villager.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills for things like pain medications, EMT expenses, doctor visits, ambulance fees and funeral costs. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as repair costs for stationary objects, structural damage, repair bills for other people’s vehicles, medical expenses and attorney fees. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your Villager caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as scraping a guard rail, sustaining damage from a pot hole, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, rock chips in glass, theft and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Affordable insurance is out there

Discount 1996 Mercury Villager insurance can be sourced online as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Consumers change insurance companies for many reasons like not issuing a premium refund, high prices, delays in responding to claim requests or questionable increases in premium. Whatever your reason, finding a new insurance coverage company is not as difficult as it may seem.

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced physical damage coverage to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage for the lowest price, not the least amount of coverage.

Additional insurance coverage information can be found below: