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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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Shopping for budget-priced insurance coverage over the internet might appear somewhat intimidating for drivers that are not comfortable with quoting and buying insurance on the internet. With such a large number of agents and online companies, how can drivers have a chance to compare every company to locate better rates?

It’s a good idea to compare premium rates quite often because insurance prices change quite often. Even if you got the best rates on Villager coverage last year you may be paying too much now. Forget all the misinformation about insurance coverage because it’s time to teach you the best way to save on insurance coverage.

Buying car insurance is quite easy. If you are paying for car insurance now, you will be able to reduce your rates substantially using these methods. But consumers do need to understand the way insurance companies price insurance differently and use this information to your advantage.

Learn how to lower your insurance costs

Multiple criteria are part of the equation when you get a price on insurance. Some factors are common sense such as traffic violations, but other criteria are less obvious like where you live or how financially stable you are.

The factors shown below are some of the factors auto insurance companies consider when setting your rate level.

  • How your age affects prices – Older drivers tend to be more responsible, are lower risk to insure and get fewer tickets.Teenage drivers have been known to be inattentive when at the wheel of a vehicle so auto insurance rates are higher.
  • Liability coverage is critical – Liability insurance will protect you when a jury decides you are liable for physical damage or personal injury to other. This coverage provides you with a defense in court which can cost a lot. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so buy as much as you can afford.
  • Marriage discount – Walking down the aisle can get you a discount on your policy. Having a spouse may mean you are more mature and insurance companies like that married drivers tend to have fewer serious accidents.
  • Deter car thieves – Owning a car with an alarm system can help lower your rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • Filing insurance claims can increase rates – Companies award lower rates to policyholders who do not file claims often. If you file claims often, you can expect either policy cancellation or increased premiums. Your car insurance is designed for major claims that would cause financial hardship.
  • Better prices for no policy lapses – Allowing your coverage to lapse can be a guaranteed way to increase your rates. In addition to paying higher rates, getting caught without coverage will get you a fine, jail time, or a revoked license.

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

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Free insurance coverage quotes

There are several ways to shop for insurance coverage, but some are easier and takes less work. You could spend your day discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to get prices fast.

Many of the larger companies participate in an industry program that allows shoppers to submit one quote, and every company returns a competitive quote based on that data. This prevents consumers from doing form submissions to every company.

To submit your quote information now, click to open in new window.

The single downside to doing it this way is you cannot specify the providers to get quotes from. If you prefer to choose from a list of companies to request quotes from, we have assembled a list of the cheapest insurance coverage companies in your area. Click here to view list.

How you compare quotes is your choice, just ensure you’re using the exact same information on every quote you get. If the quotes have different values for each quote it will be impossible to decipher which rate is best. Just a small difference in coverage limits could throw off the whole comparison. And when comparing insurance coverage rates, know that obtaining a wide range of quotes helps improve the odds of finding lower pricing. Some smaller insurers to not give online rate quotes, so it’s important to also get prices from those companies as well.

Advertising and insurance

Insurance providers like Allstate and Progressive endlessly run ads on television and other media. All the companies say the same thing about savings just by moving your insurance coverage to their company. How is it possible that every company can charge lower premium rates? Here is the trick they use.

Insurance companies have strict underwriting profiles for a prospective insured that will most likely be profitable. For example, a preferred risk could be over the age of 45, has never had a claim, and chooses high deductibles. Someone that hits that “sweet spot” will get low prices and will probably pay quite a bit less when switching companies.

Potential customers who may not quite match these criteria must pay higher premium rates which translates to business going elsewhere. If you pay attention, the ads say “people who switch” not “everyone that quotes” can get the lowest rates when switching. That’s why companies can truthfully make those claims. This really emphasizes why you really should do a quote comparison often. Because you cannot predict with any certainty which company will have the lowest rates.

Discounts to earn cheap insurance coverage rates

Car insurance companies don’t necessarily list the entire discount list in an easy-to-find place, so the below list has both well-publicized as well as some of the hidden savings tricks you should be using when you buy auto insurance online. If you do not check that you are getting every discount you qualify for, it’s possible you qualify for a lower rate.

  • Good Student Discount – A discount for being a good student may save you up to 25%. The good student discount can last up to age 25.
  • Multi-line Discount – If the company offers life insurance, you could get a discounted price on car insurance if you buy some life insurance in addition to your auto policy.
  • Discounts for Federal Employees – Having worked for a branch of the government may reduce rates when you quote auto insurance on Villager coverage with certain companies.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Discounts for Safe Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on Villager coverage than their less cautious counterparts.

We need to note that some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, it’s just not the way it works.

Popular insurance coverage companies and some of the discounts are detailed below.

  • Travelers policyholders can earn discounts including continuous insurance, multi-policy, new car, student away at school, and multi-car.
  • 21st Century offers discounts including driver training, teen driver, 55 and older, good student, theft prevention, automatic seat belts, and homeowners.
  • State Farm may have discounts that include good driver, Steer Clear safe driver discount, multiple autos, safe vehicle, and Drive Safe & Save.
  • GEICO may include discounts for federal employee, seat belt use, membership and employees, driver training, emergency military deployment, good student, and anti-lock brakes.
  • SAFECO has savings for teen safety rewards, drive less, teen safe driver, bundle discounts, safe driver, and homeowner.
  • AAA offers discounts for good driver, good student, pay-in-full, AAA membership discount, and multi-car.

Before purchasing a policy, check with each company to give you their best rates. Some discounts listed above might not apply everywhere.

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

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Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether your personal situation might need professional guidance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Where can I get insurance after a DUI in my state?
  • Does coverage extend to Mexico or Canada?
  • Can I afford low physical damage deductibles?
  • If my 1995 Mercury Villager is totaled, can I afford another vehicle?
  • When can my company non-renew my policy?
  • Can my teen drive my company car?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form.

Insurance coverage basics

Having a good grasp of insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, colliding with another moving vehicle, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.


Liability coverage can cover damage or injury you incur 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.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like medical services, legal defense fees, emergency aid, loss of income and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision

This pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like fire damage, damage from flooding, falling objects and damage from a tornado or hurricane. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Mercury Villager.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for rehabilitation expenses, hospital visits, funeral costs, EMT expenses and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Save your hard earned cash

We covered a lot of tips how to get a better price on 1995 Mercury Villager insurance. The key thing to remember is the more you quote auto insurance, the better chance you’ll have of finding inexpensive auto insurance. You may even discover the lowest premium rates come from the smaller companies.

Some insurance providers do not provide online price quotes and most of the time these smaller providers prefer to sell through independent agents. Cheaper insurance coverage can be found online and from local agencies, so you need to compare both in order to have the best chance of saving money.

When searching for low cost auto insurance quotes, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. Your goal should be to purchase plenty of coverage at the lowest possible cost while still protecting your assets.

For more information, feel free to browse the resources below: