1999 Mercury Villager Insurance Quotes

Looking for lower insurance coverage rates for your Mercury Villager? Are you intimidated by the number of insurance coverage companies? Many other drivers are as well. People have so many choices that it can quickly become a lot of work to locate the lowest price.

Smart consumers take time to shop coverage around occasionally due to the fact that insurance rates are rarely the same from one policy term to another. Even if you got the best deal for Villager coverage on your last policy the chances are good that you can find a lower rate today. So just forget anything you know (or think you know) about insurance coverage because you’re about to learn the best methods to find better rates and still maintain coverage.

Buying car insurance is quite easy. If you are paying for car insurance now, you will be able to save some money using these methods. But consumers must understand how companies market on the web and use this information to your advantage.

Pay less by taking advantage of discounts

Auto insurance companies don’t always publicize all their discounts very well, so the following is a list of some of the more common and also the lesser-known discounts you could be receiving.

  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for Villager coverage than drivers with accidents.
  • Multi-policy Discount – If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could save 15% off your medical payments premium.
  • Safety Course Discount – Completing a defensive driving course could save 5% or more if you qualify.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy qualifies for this discount.
  • Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.

Insurance companies that may offer these benefits include:

Before buying, ask every prospective company which discounts you may be entitled to. Savings may not apply in your area.

Why you might be paying too much to insure your Mercury Villager

It’s important that you understand some of the elements that play a part in calculating the price you pay for auto insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that could result in much lower annual insurance costs.

Shown below are a few of the “ingredients” used by your company to calculate premiums.

  • Safe vehicles cost less to insure – Safer cars get lower rates. The safest vehicles result in less severe injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If the Mercury Villager is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Women pay lower rates – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. Men and women tend to get into accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically receive more costly citations like DUI and reckless driving.
  • Keep rates low by being claim-free – If you file claims often, you can pretty much guarantee higher rates. Insurance companies provide lower rates to policyholders who file claims infrequently. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • High credit ratings translate to low rates – Having a bad credit rating is a large factor in determining your rates. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with lower ratings. If your credit history can use some improvement, you could pay less to insure your 1999 Mercury Villager by improving your rating.
  • Extra coverages can waste money – There are a lot of add-on coverages that you can get tricked into buying on your auto insurance policy. Insurance for vanishing deductibles, accidental death and additional equipment coverage are some examples. These may sound like a good investment when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
  • Where you live – Being located in a small town is a positive aspect when insuring your vehicles. Drivers in populated areas tend to have more traffic problems and a longer drive to work. Lower population means a lower chance of having an accident as well as less vandalism and auto theft.
  • Liability coverage is cheap – The liability section of your policy provides coverage if ever you are found to be at fault for damages from an accident. Liability insurance provides legal defense coverage starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.

Your coverage should be tailored to you

When it comes to buying the best insurance coverage coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different.

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

  • Can I rate high risk drivers on liability-only vehicles?
  • Should I buy full coverage?
  • Can my teen drive my company car?
  • Is my ex-spouse still covered by my policy?
  • Can I afford to buy a different vehicle if my 1999 Mercury Villager is totaled?
  • Is pleasure use cheaper than using my 1999 Mercury Villager to commute?
  • Should I drop comprehensive coverage on older vehicles?
  • Can my babysitter drive my car?
  • Do I have coverage if my license is suspended?
  • When can my company non-renew my policy?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

The car insurance bait and switch

Companies like 21st Century, Allstate and State Farm regularly use ads in print and on television. All the ads make an identical promise that you’ll save big if you move to them. But how can every company say the same thing?

All the different companies are able to cherry pick for the type of driver that makes them money. For instance, a preferred risk might be profiled as between 25 and 40, insures multiple vehicles, and has a short commute. A customer getting a price quote who matches those parameters will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Consumers who don’t qualify for the “perfect” profile must pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” not “everyone that quotes” save that much money. That is how companies can advertise the way they do. This illustrates why you need to get a wide range of price quotes. It’s not possible to predict which car insurance company will provide you with the cheapest Mercury Villager insurance rates.

Educate yourself about insurance coverages

Knowing the specifics of a insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for liability

This protects you from damage or injury you incur to a person or their property. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like loss of income, medical services and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Mercury Villager.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Collision coverage protection

Collision insurance covers damage to your Villager resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, sideswiping another vehicle, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hail damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for chiropractic care, EMT expenses, surgery and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Final considerations

You just read quite a bit of information on how to save on 1999 Mercury Villager insurance. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with a small mutual company.

Affordable insurance is possible on the web as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.

People who switch companies do it for any number of reasons including an unsatisfactory settlement offer, not issuing a premium refund, questionable increases in premium and even delays in paying claims. Regardless of your reason for switching companies, switching companies is pretty simple and you could end up saving a buck or two.

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