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1993 Mercury Villager Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 14, 2020

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Want cheaper car insurance rates for your Mercury Villager? Finding the best price on car insurance can seem like an uphill battle if you’re new to online quoting. But relax because comparing prices is actually very simple.

Pricing more affordable coverage is not that difficult. Essentially every vehicle owner who is shopping for auto insurance should be able to find better rates. But car owners should learn how insurance companies determine prices and use this information to your advantage.

How to Compare Auto Insurance Costs

Shopping for lower auto insurance rates is a ton of work if you aren’t aware of the best way to get rate quotes. You can waste hours talking about coverages with agents in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

Many of the larger companies belong to a marketplace that allows shoppers to complete one form, and every company then gives them pricing determined by their information. This eliminates the need for repetitive form submissions for every auto insurance company.

To find out what other companies charge for 1993 Mercury Villager insurance click to open in new window.

The only drawback to comparing rates this way is you are unable to specify which companies to get pricing from. So if you want to select from a list of companies to compare rates, we have assembled a list of auto insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just compare exactly the same coverages and limits with every price quote. If each company quotes different liability limits you will not be able to decipher which rate is best. Quoting even small variations in coverages could mean much higher rates. And when quoting auto insurance, remember that comparing a large number of companies helps you find a better price.

Companies offer discounts so take them!

Insurance can cost an arm and a leg, buy you may qualify for discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be specifically requested before being credited.

  • Homeowners Discount – Owning a house may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same car insurance policy qualifies for this discount.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less on Villager coverage than drivers with accident claims.
  • One Accident Forgiven – Some insurance companies will forgive one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.

It’s important to note that some credits don’t apply the whole policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will cut the cost of coverage.

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

Double check with every prospective company what discounts are available to you. Some discounts might not be offered in every state.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Do I just need basic coverages?

When buying proper insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

These are some specific questions can help discover if you would benefit from professional advice.

  • What if I don’t agree with a claim settlement offer?
  • Am I covered when using my vehicle for business?
  • When should I not file a claim?
  • When does my teenage driver need to be added to my policy?
  • Is my nanny covered when driving my vehicle?
  • Do all my vehicles need collision coverage?
  • Is my custom paint covered by insurance?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Mercury Villager insurance rates can be determined by these details

Consumers need to have an understanding of the different types of things that help determine car insurance rates. Having a good understanding of what influences your rates enables informed choices that may reward you with much lower annual insurance costs.

  • Traffic violations increase rates – A bad driving record has a big impact on rates. Even one moving violation can bump up the cost twenty percent or more. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. If you have severe violations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • Safer cars cost less to insure – Vehicles with good safety scores can get you lower premiums. These vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Mercury Villager earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • High deductibles save money – The deductibles define the amount you are willing to pay out-of-pocket before your car insurance pays a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Examples of covered claims are running into the backend of another car, damage from fire, and windstorm damage. The more expense you’re willing to pay, the bigger discount you will receive on Villager coverage.
  • Proper usage rating affects rates – The more you drive in a year’s time the higher your rates will be. Most insurance companies price each vehicle’s coverage based on their usage. Cars used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated Villager can result in significantly higher rates. Double check that your car insurance policy is showing the correct driver usage.
  • Consolidate policies to earn discounts – Some insurers provide better rates to insureds who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even though this discount sounds good, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible.
  • Men are more aggressive – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women cause accidents at about the same rate, but men cause more damage. Men also get cited for more serious violations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and are penalized with high car insurance rates.
  • Younger drivers pay higher rates – Teen drivers are known to be careless and easily distracted when behind the wheel so car insurance rates are higher. Older insureds are more cautious drivers, statistically cause fewer accidents and are safer drivers.
  • Do you need those extra coverages? – There are many extra coverages that you can get tricked into buying if you aren’t careful. Things like vanishing deductibles, accidental death and membership fees may be costing you every month. They may seem like a good idea when you first buy your policy, but your needs may have changed so remove them from your policy.

The fine print in insurance coverage ads

Insurance coverage companies such as State Farm, Allstate and GEICO continually stream ads on TV and radio. They all seem to say the same thing about savings after switching your policy. How do they all claim to save you money? It’s all in the numbers.

All the different companies can use profiling for the driver that earns them a profit. For instance, a desirable insured could possibly be between the ages of 30 and 50, owns a home, and drives newer vehicles. A customer getting a price quote who matches those parameters will get very good rates and is almost guaranteed to save when switching.

Drivers who fall outside the requirements will have to pay a higher premium and ends up with business not being written. Company advertisements say “people who switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can claim big savings.

Because of the profiling, it’s extremely important to get quotes from several different companies. It’s impossible to know which insurance companies will fit your personal profile best.

Auto insurance coverages

Learning about specific coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a bird, fire damage, falling objects and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability

This provides protection from injuries or damage you cause to people or other property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as pain and suffering, funeral expenses, medical expenses, emergency aid and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sideswiping another vehicle, rolling your car, crashing into a building, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage 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 very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like pain medications, EMT expenses and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Keep this in mind

Drivers leave their current company for a number of reasons such as questionable increases in premium, unfair underwriting practices, policy non-renewal and denial of a claim. Whatever your reason, finding a new company is not as hard as you think.

Lower-priced 1993 Mercury Villager insurance is definitely available from both online companies as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance coverage companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.

We’ve covered a lot of tips how to shop for insurance online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the most savings is with the smaller companies.

To learn more, link through to the resources below:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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