Lower Your 1997 Mercury Villager Insurance Cost

Are you sick and tired of being strong-armed to buy car insurance? You’re in the same situation as many other drivers.

Numerous insurers battle for your business, so it can be very hard to choose a insurer and uncover the absolute lowest cost out there.

If you currently have car insurance, you should be able to lower your premiums substantially using these techniques. Buying car insurance is easy if you know what you’re doing. Although vehicle owners must know how insurance companies determine prices and use this information to your advantage.

Mercury Villager insurance rates are influenced by…

An important part of buying insurance is that you know some of the elements that come into play when calculating your insurance coverage rates. Understanding what controls the rates you pay enables informed choices that will entitle you to big savings.

  • Equipment add-ons that lower insurance coverage rates – Driving a car with anti-theft technology or alarm system can help lower your rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
  • Protect yourself with liability coverage – Your policy’s liability coverage provides coverage when you are found liable for damages from an accident. It provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • Your insurance coverage rates can be influenced by your job – Careers like lawyers, business owners and stock brokers are shown to have the highest rates due to high stress levels and lengthy work days. On the other hand, professions such as actors, students and the unemployed pay the least on Villager insurance.
  • Being married can save on insurance coverage – Having a wife or husband can actually save you money on insurance coverage. Marriage means you’re more mature and responsible and statistics show married couples file fewer claims.
  • Males pay more for insurance – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Women and men tend to get into accidents at about the same rate, but the male of the species cause more damage. Men also tend to get more serious tickets such as reckless driving. Young males are the most expensive to insure and are penalized with high insurance coverage rates.

Don’t miss these discounts

Car insurance companies don’t always list every available discount in an easy-to-find place, so here is a list some of the best known and also the lesser-known insurance coverage savings.

  • Sign Early and Save – Select companies give a discount for switching policies before your current policy expires. It can save you around 10%.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you will save approximately 10% to 15%.
  • Sign Online – A few companies will discount your bill up to fifty bucks simply for signing on their website.
  • Accident Waiver – Some insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for reduced rates on Villager insurance.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Villager insurance depending on your company.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.

Consumers should know that some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Companies who might offer some of the above discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering what discounts are available to you. All car insurance discounts might not be offered everywhere.

Buyer beware of car insurance advertising tricks

Car insurance companies such as State Farm and Allstate constantly bombard you with ads on television and other media. They all seem to make an identical promise that you’ll save big if you switch your policy. How does each company make the same claim? It’s all in the numbers.

Different companies can use profiling for the type of driver they prefer to insure. For instance, a preferred risk might be over the age of 50, has no tickets, and has great credit. A customer getting a price quote who matches those parameters is entitled to the best price and most likely will save quite a bit of money when switching.

Consumers who don’t measure up to the “perfect” profile will be quoted a more expensive rate which usually ends up with business going elsewhere. The ad wording is “customers who switch” not “everyone that quotes” save that much. That is how companies can make those claims. This emphasizes why it is so important to compare many company’s rates. It is impossible to predict which insurance companies will have the lowest Mercury Villager insurance rates.

When might I need help?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine if you might need professional guidance.

  • Is a new car covered when I drive it off the dealer lot?
  • Where can I find DUI or SR-22 insurance?
  • What if I owe more than I can insure my car for?
  • Does my policy pay for OEM or aftermarket parts?
  • Will I lose any money if I cancel my policy before it expires?
  • Does coverage extend to my business vehicle?
  • Should I buy only the required minimum liability coverage?
  • What companies insure drivers after a DUI or DWI?
  • Is business property covered if stolen from my car?
  • How much liability do I need to cover my assets?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance coverage breakdown

Having a good grasp of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average insurance policy.

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, theft, damage from a tornado or hurricane and hitting a bird. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills like surgery, prosthetic devices, hospital visits, X-ray expenses and EMT expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance

This coverage provides protection from damage that occurs to other people or property. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like attorney fees, medical services and court costs. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage 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 like sideswiping another vehicle, crashing into a building, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many 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.

Best coverage at the best price

When you buy insurance online, do not reduce needed coverages to save money. There are many occasions where an accident victim reduced physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

You just read some good ideas how you can get a better price on 1997 Mercury Villager insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the lowest premiums are with a small local company. Some small companies often have lower prices on specific markets than the large multi-state companies such as State Farm, Geico and Nationwide.

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