Compare 1998 Mercury Villager Car Insurance Rates

Looking for lower insurance rates for your Mercury Villager? Are you overwhelmed by the sheer number of insurance choices? Many other consumers are too. People have so many options that it can easily become a lot of work to compare prices.

Low Cost Car Insurance

The are a couple different ways to compare rate quotes from car insurance companies in your area. The easiest way to compare 1998 Mercury Villager insurance prices is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

  1. Probably the best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating separate quotation requests for every car insurance company. One simple form compares rates from multiple companies. Recommended for those who want to invest the least amount of time.
  2. Another way to compare prices consists of visiting each company website and request a quote. For examples sake, we’ll assume you want to compare Allstate, Farmers and American Family. To find out each rate you need to take the time to go to each site to enter your coverage information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just make darn sure you compare apples-to-apples coverage limits on every quote you get. If you enter different deductibles it’s not possible to truly determine the lowest rate. Just a small difference in limits may result in a large different in cost. And when comparing car insurance rates, know that having more price comparisons provides better odds of finding the best offered rates.

Are you falling for claims of savings?

Geico, State Farm and Progressive regularly use ads on TV and radio. All the companies make the same claim of big savings if you move to their company. How can each company make almost identical claims?

Different companies have a preferred profile for the type of driver that makes them money. For instance, a driver they prefer might be profiled as a mature driver, has no prior claims, and has a short commute. Any driver who fits that profile will get the preferred rates and therefore will save when they switch companies.

Potential insureds who fall outside the “perfect” profile will be charged higher prices and ends up with business going elsewhere. The ads state “customers that switch” not “everyone that quotes” save that much. That’s why insurance companies can make those claims.

That is why it is so important to get quotes from several different companies. Because you never know which insurance companies will give you the biggest savings on Mercury Villager insurance.

Mercury Villager insurance rates consist of many parts

It’s important that you understand the different types of things that play a part in calculating your insurance rates. Understanding what influences your rates enables informed choices that can help you get better insurance rates.

Shown below are some of the items insurance companies consider when setting your rates.

  • Liability coverage protects you – The liability section of your policy will protect you if ever you are found liable for causing damage or personal injury in an accident. It provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Bad driving skills means higher rates – Only having one ticket can boost insurance rates by twenty percent. Careful drivers get better rates than their less careful counterparts. Drivers with dangerous tickets such as reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • What are your deductibles? – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Mercury from damage. Some examples of claims that would be covered are collision with another vehicle, damage caused by hail, or theft. Physical damage deductibles are the amount of money you are required to spend if you file a covered claim. The more expense the insured has to pay upfront, the less your insurance will be for Villager insurance.
  • Better crash test results mean better rates – Vehicles with good safety scores get lower rates. Safe vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Mercury Villager is rated at least four stars on Safercar.gov you may qualify for a discount.
  • Older drivers save more – Older insureds tend to be more responsible, statistically cause fewer accidents and are safer drivers. Young drivers are statistically proven to be more careless when behind the wheel and because of this, their insurance rates are much higher.
  • Multiple policies with one company can save – Most insurers give discounts to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even though this discount sounds good, it’s in your best interest to comparison shop to verify if the discount is saving money.
  • Your credit rating is important – Having a bad credit history is a large factor in determining your rates. So if your credit history is not that good, you could pay less to insure your 1998 Mercury Villager by improving your rating. People with excellent credit tend to be more responsible than drivers with lower credit scores.

These discounts can slash car insurance rates

Insurance can cost an arm and a leg, but companies offer discounts that many people don’t even know exist. Most are applied when you get a quote, but less common discounts must be inquired about before being credited.

  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Accident Forgiveness – A few companies allow you one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for better car insurance rates for Villager insurance.
  • Organization Discounts – Being a member of certain professional organizations could trigger savings when buying car insurance for Villager insurance.

It’s important to understand that most discounts do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will help reduce your overall premium however.

Insurance companies that possibly offer some of the above discounts include:

Before buying, ask every prospective company which discounts you may be entitled to. Some discounts might not apply everywhere.

When might I need the advice of an agent?

When it comes to buying coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions could help you determine if your situation would benefit from an agent’s advice.

  • Can I still get insurance after a DUI?
  • How high should deductibles be on a 1998 Mercury Villager?
  • Why am I required to buy high-risk coverage?
  • Is my camper covered by my car insurance policy?
  • When can my company non-renew my policy?
  • Can I make deliveries for my home business?
  • Am I better off with higher deductibles on my 1998 Mercury Villager?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Specifics of your car insurance policy

Learning about specific coverages of a car insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverages – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, a broken windshield and vandalism. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability – This coverage will cover damage or injury you incur to people or other property in an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like attorney fees, pain and suffering, repair bills for other people’s vehicles, legal defense fees and emergency aid. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like funeral costs, nursing services, X-ray expenses, hospital visits and dental work. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision – Collision insurance covers damage to your Villager resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with a tree, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mercury Villager.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Spend less. Save more.

When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped collision coverage to discover at claim time that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage for the lowest price.

The cheapest 1998 Mercury Villager insurance can be purchased from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

Drivers change insurance companies for a variety of reasons including high prices, an unsatisfactory settlement offer, unfair underwriting practices and delays in paying claims. Regardless of your reason, finding a new insurance coverage company is pretty easy and you might even save some money in the process.

Much more information about insurance coverage is available at the links below