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1996 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 23, 2020

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Searching for cheaper auto insurance rates for your Mercury Villager? No one looks forward to buying auto insurance, especially knowing they are paying too much. Having so many options, it can be challenging to find the right provider.

Free Quotes for Insurance Coverage

All the larger insurance coverage companies like Progressive, GEICO, Allstate and State Farm provide pricing directly from their websites. Getting online rates is quite easy as you simply enter your coverage information into the quote form. After the form is submitted, the system collects credit information and your driving record and generates pricing information based on these factors. Being able to quote online streamlines rate comparisons, but the time required to go to many different websites and type in the same information gets old quite quickly. Unfortunately, it is important to compare as many rates as possible in order to find lower prices.

The preferred way to find lower prices requires only one form to return rates from many companies. The form is fast, eliminates form submissions, and makes online price comparison much simpler. Immediately after submitting the form, your coverage is rated and you can choose any of the resulting price quotes. If a lower price is quoted, you simply finish the application and purchase the new policy. The whole process takes 15 minutes at the most and you’ll know if lower rates are available.

If you want to find out what other companies charge, click here and enter your information. If you currently have coverage, we recommend that you enter coverages and limits identical to your current policy. This guarantees you are getting comparison quotes based on the exact same insurance coverage.

Discounts are great for lower rates

Car insurance companies don’t always advertise every discount in a way that’s easy to find, so here is a list both well-publicized and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Mercury could be rewarded with discounted rates on garaged vehicles.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Federal Employees – Simply working for the federal government can save as much as 8% on Villager coverage depending on your company.
  • Driver Safety – Completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Discount for Swiching Early – Select companies give a discount for switching to them before your current expiration date. The savings is around 10%.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck.

Car insurance companies that may offer these money-saving discounts are:

Check with each insurance company how you can save money. All car insurance discounts might not be offered in your area.

You may need specialized coverage

When choosing the best auto insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique so this has to be addressed. For instance, these questions may help highlight whether you might need an agent’s assistance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need replacement cost coverage?
  • Does having multiple vehicles earn me a discount?
  • Does my personal policy cover me when driving out-of-state?
  • Am I getting all the discounts available?
  • Should I have combined single limit or split liability limits?
  • When should I drop full coverage on my 1996 Mercury Villager?
  • Is my babysitter covered when using my vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Should I buy more coverage than the required minimum liability coverage?

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 agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Free Auto Insurance Comparison

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

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Auto insurance coverage information

Having a good grasp of a insurance policy helps when choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for funeral costs, chiropractic care and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, rock chips in glass, damage from getting keyed and vandalism. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

This covers damage to your Villager resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a mailbox, colliding with a tree, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 1996 Mercury Villager.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Liability coverages

Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects YOU against claims from other people. It does not cover 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. As an example, you may have policy limits 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 a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as repair costs for stationary objects, funeral expenses, court costs and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Have money to burn

You just read some good ideas how you can compare 1996 Mercury Villager insurance prices online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. You may even find the lowest priced insurance coverage comes from a small mutual company. These smaller insurers often have lower prices on specific markets than their larger competitors like Progressive or GEICO.

As you shop your coverage around, you should never skimp on coverage in order to save money. There have been many situations where consumers will sacrifice liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at the best price while still protecting your assets.

Cheaper insurance is attainable both online and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. A few companies may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

More tips and info about insurance coverage can be found in these articles:

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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