1994 Mercury Villager Insurance Rates
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UPDATED: Apr 14, 2020
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Searching for better auto insurance rates for your Mercury Villager? Overpriced Mercury Villager insurance can overdraw your savings account and force you to prioritize other expenses. Comparing price quotes is free and is an excellent way to cut your insurance bill.
Consumers have many car insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, it can be more difficult to find the best rates.
Buying car insurance is easy if you know what you’re doing. If you have car insurance now, you should be able to save some money using this information. Although vehicle owners do need to know the methods companies use to market insurance on the web.
The quickest method to compare rates utilizes the fact almost all companies pay for the opportunity to give rate comparisons. To start a quote, the only thing you need to do is give the companies some data like whether your vehicle is owned or leased, driver ages, the make and model of your vehicles, and deductibles desired. Your details is instantly sent to insurance carriers in your area and you will receive price estimates within a short period of time.
To compare rates now, click here and complete the quick form.
Save big with these discounts
Car insurance companies do not advertise every discount very well, so we took the time to find some of the more common as well as the least known discounts you could be receiving.
- Driver Safety – Taking part in a course in driver safety can save you 5% or more if you qualify.
- Auto/Home Discount – When you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
- Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can get savings up to 30%.
- Auto/Life Discount – Larger companies have a discount if you purchase a life insurance policy as well.
- No Charge for an Accident – Certain companies permit an accident without raising rates as long as you don’t have any claims for a set time period.
- Save with a New Car – Adding a new car to your policy can save up to 30% compared to insuring an older model.
- Senior Citizens – If you’re over the age of 55, you may receive better insurance coverage rates for Villager insurance.
- Student in College – Children who are attending college and do not have a car may be able to be covered for less.
- Multiple Cars – Insuring all your vehicles on one policy qualifies for this discount.
Drivers should understand that some credits don’t apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky.
To see a list of companies with discount insurance coverage rates, click this link.
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But I don’t know anything about car insurance
When choosing adequate coverage, there really is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your situation might need professional guidance.
- I have health insurance so do I need medical payments coverage?
- Do I need replacement cost coverage on my 1994 Mercury Villager?
- When would I need additional glass coverage?
- Is my cargo covered for damage or theft?
- Do I need an umbrella policy?
- Why am I required to buy high-risk coverage?
- Can my teen driver be rated on a liability-only vehicle?
- Why does it cost so much to insure a teen driver?
- Do I have coverage if my license is suspended?
- Do I have coverage when using my vehicle for my home business?
If you can’t answer these questions, 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 or you can go here for a list of companies in your area.
Educate yourself about insurance coverages
Knowing the specifics of your policy aids in choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement. These are typical coverages found on the average insurance policy.
Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as damage from a tornado or hurricane, a broken windshield, rock chips in glass and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as rehabilitation expenses, prosthetic devices and X-ray expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mercury Villager.
Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Collision coverage – Collision insurance pays for damage to your Villager resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as colliding with another moving vehicle, hitting a mailbox, rolling your car, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Coverage for liability – This coverage protects you from damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property.
Liability coverage protects against claims like legal defense fees, emergency aid, court costs, medical services and attorney fees. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.
Shop smart and save
Lower-priced 1994 Mercury Villager insurance can be bought both online and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. A few companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.
When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed liability limits or collision coverage to discover at claim time that it was a big mistake. Your focus should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.
More tips and info about auto insurance can be found at these sites:
- Auto Insurance 101 (About.com)
- Older Driver Statistics (Insurance Information Insitute)
- Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
- Keeping Children Safe in Crashes Video (iihs.org)
- Credit Impacts Car Insurance Rates (State Farm)
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