1999 Mercury Villager Car Insurance Cost

Searching for lower car insurance rates for your Mercury Villager? Have you fallen victim to overpriced car insurance? Trust us, there are many people just like you. There are many insurers to pick from, and although it’s nice to have a selection, lots of choices makes it harder to find a good deal.

Finding the lowest cost protection can be fairly easy. If you have a policy now or are just looking to switch companies, you can follow these tips to shop for the lowest rates while maximizing coverage. Consumers just need to know the proper methods to buy car insurance on the web.

Finding Car Insurance Deals

Effectively comparing car insurance prices is a ton of work if you don’t know the most efficient way to do it. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can stay home and use the web to get prices fast.

Many companies participate in a marketplace where prospective buyers complete one form, and each company then returns a price quote based on the submitted data. This saves time by eliminating quote requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only downside to using this type of system is that you can’t choose which providers to receive prices from. If you would rather choose specific insurance companies for rate comparison, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, double check that you are using apples-to-apples deductibles and coverage limits on every quote you get. If your comparisons have different values for each quote it’s not possible to truly determine the lowest rate.

Don’t believe everything you hear

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like 21st Century, Allstate and State Farm. All the companies have a common claim that you’ll save big after switching to them.

How does each company make almost identical claims? It’s all in the numbers.

Insurance companies have a certain “appetite” for the type of driver that earns them a profit. For example, a preferred risk could possibly be between the ages of 30 and 50, is a homeowner, and drives less than 10,000 miles a year. A customer who matches those parameters will get very good rates and therefore will pay quite a bit less when switching companies.

Potential customers who don’t meet the “perfect” profile will be charged a higher premium and this can result in the customer not buying. The ads state “people who switch” but not “drivers who get quotes” save that much. This is how insurance companies can confidently make the claims of big savings.

That is why you absolutely need to compare many company’s rates. Because you never know which insurance companies will fit your personal profile best.

Some factors that can determine what Mercury Villager insurance costs

It’s important that you understand the factors that play a part in calculating the rates you pay for insurance coverage. Understanding what determines base rates enables informed choices that can help you get big savings.

  • Extra coverages can waste money – There are quite a few additional coverages that you can buy if you aren’t careful. Coverages like roadside assistance, towing coverage and term life insurance are examples of these. They may seem like a good idea at first, but if they’re wasting money get rid of them and save.
  • Liability coverage is peace of mind – Liability coverage will protect you when a jury decides you are liable for personal injury or accident damage. It will provide legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
  • Lower rates come with age – More mature drivers are more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Teenage drivers have a tendency to be more careless when driving therefore insurance coverage rates are much higher.
  • Optional equipment can affect rates – Choosing a vehicle with an alarm system can save you a little every year. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • Big city or small town – Being located in a small town is a positive aspect when it comes to insurance coverage. City drivers have more traffic problems and a longer drive to work. Lower population means fewer accidents and a lower car theft rate.

Don’t miss these discounts

Car insurance is not cheap, but there could be available discounts to help offset the cost. Some discounts apply automatically at the time of purchase, but some may not be applied and must be requested specifically before being credited. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Accident Free – Drivers with accident-free driving histories pay much less when compared to bad drivers.
  • Student in College – Any of your kids who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • New Car Discount – Insuring a new car can save up to 30% compared to insuring an older model.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with a substantially lower rate.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less for Villager coverage than their less cautious counterparts.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck. But all discounts will cut the amount you have to pay.

For a list of companies with the best auto insurance discounts, click this link.

When might I need help?

When choosing the best insurance coverage coverage, there is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.

  • When should I not file a claim?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need roadside assistance coverage?
  • Is my babysitter covered when using my vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need an umbrella policy?
  • Is my ex-spouse still covered by my policy?
  • Should I buy full coverage?
  • What is the minimum liability in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Car insurance coverage information

Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are the usual coverages offered by auto insurance companies.

Liability coverage – This can cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, 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 with no separate limits for injury or property damage.

Liability insurance covers claims like repair bills for other people’s vehicles, emergency aid, medical expenses and attorney fees. How much coverage you buy is your choice, but you should buy higher limits if possible.

Comprehensive insurance – This pays to fix your vehicle from 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 coverage protects against claims like a tree branch falling on your vehicle, damage from flooding, hitting a bird, damage from a tornado or hurricane and vandalism. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

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

Collision can pay for claims such as rolling your car, damaging your car on a curb, crashing into a ditch, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for bills for doctor visits, dental work and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 1999 Mercury Villager.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

You can do this!

Discount 1999 Mercury Villager insurance is possible online and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. There are too many instances where an insured cut comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your focus should be to find the BEST coverage at a price you can afford while still protecting your assets.

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