Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Want lower insurance coverage rates for your Mercury Villager? Are you frustrated by the crazy number of insurance coverage companies in your area? You’re not alone. You have so many companies to choose from that it can easily turn into a chore to compare premium rates.

If you have car insurance now, you will be able to reduce your rates substantially using these techniques. Shopping for the best auto insurance coverage is simple if you know the tricks. But car owners must understand how companies price online insurance and take advantage of how the system works.

How to compare car insurance quotes

Shopping for lower car insurance rates can be challenging if you aren’t aware of the fastest way to get free quotes. You can waste a lot of time talking about coverages with agents in your area, or you can utilize online quoting for quick rates.

Many companies take part in a program that allows shoppers to enter their coverage request one time, and at least one company then gives them pricing determined by their information. This eliminates the need for quote requests for each company you want a rate for.

To compare pricing click to open in new window.

The one downside to getting quotes like this is that consumers can’t choose which carriers to get pricing from. So if you want to select specific providers to compare rates, we put together a list of companies who write car insurance in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but be certain you are entering equivalent coverage limits for each price quote. If you are comparing different values for each quote it will be very difficult to make a fair rate comparison. Even a minor difference in limits may result in a large different in cost. Keep in mind that comparing a wide range of rates will improve the odds of getting a lower rate than you’re paying now. Some regional insurers cannot provide online price quotes, so it’s important to compare prices from those companies as well.

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

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Take these six policy discounts and save

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. Some trigger automatically at quote time, but some may not be applied and must be asked about prior to receiving the credit. If you aren’t receiving every discount possible, you may be paying too high a price.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Distant Student Discount – College-age children who are enrolled in higher education away from home and do not take a car to college can be insured at a reduced rate.
  • Discounts for Multiple Vehicles – Drivers who insure all your vehicles with the same company could earn a price break for each car.
  • Low Mileage Discounts – Driving fewer miles may enable drivers to earn better prices on cars that stay parked.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new vehicles.
  • Accident Waiver – but companies like Progressive, Allstate, and Liberty Mutual will allow you to have one accident before your rates go up so long as you are claim-free prior to being involved in the accident.

A little disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Some only apply to specific coverage prices like medical payments or collision. So even though you would think having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

If you would like to see a list of insurers that offer many of these discounts, click here to view.

Which policy gives me the best coverage?

When it comes to buying adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether you would benefit from professional advice.

  • Does liability extend to a camper or trailer?
  • Is my nanny covered when driving my vehicle?
  • Why does it cost so much to insure a teen driver?
  • Where can I find high-risk insurance?
  • Am I covered when driving someone else’s vehicle?
  • Can I rent a car in Mexico?
  • Should I buy more coverage than the required minimum liability coverage?
  • Why am I required to buy liability insurance?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Tricks in car insurance advertising

Car insurance companies such as Allstate and Progressive consistently run ads in print and on television. All the ads advertise claims of big savings just by switching your policy. How is it possible that every company can give you a lower rate? This is the trick they use.

All the different companies have specific guidelines for the type of driver that will not have excessive claims. A good example of a desirable insured may be between the ages of 30 and 50, has no tickets, and drives a lower-performance vehicle. Anybody that matches those criteria may get the lowest premium rates and will most likely save quite a bit of money when switching.

Potential insureds who are not a match for these standards may be forced to pay a more expensive rate and business going elsewhere. If you pay attention, the ads say “people who switch” not “all people who quote” will save that much if they switch. That’s the way insurance companies can claim big savings.

Because of this risk profiling, drivers must get a wide range of price quotes. You cannot predict the company that will have the best premium rates at this point in time.

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

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Coverage specifics

Learning about specific coverages of your auto insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with a tree, backing into a parked car, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses like nursing services, ambulance fees, rehabilitation expenses and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as theft, damage from flooding, vandalism and falling objects. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability auto insurance

Liability insurance provides protection from injuries or damage you cause to people or other property. Coverage consists of three different limits, 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 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as court costs, pain and suffering, attorney fees, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Mercury Villager.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are similar to your liability insurance amounts.

More quotes mean more savings

Throughout this article, we presented many ways to shop for 1994 Mercury Villager insurance online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may even discover the lowest car insurance rates are with a company that doesn’t do a lot of advertising.

Low-cost 1994 Mercury Villager insurance can be sourced online and from local insurance agents, so get free insurance quotes from both of them to have the best chance of lowering rates. A few companies do not offer rates over the internet and many times these smaller companies only sell through independent insurance agencies.

People change insurance companies for a number of reasons such as lack of trust in their agent, questionable increases in premium, delays in paying claims or policy cancellation. No matter why you want to switch, switching companies can be less work than you think.

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