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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Looking for the cheapest car insurance rates for your Mercury Villager? Cutting costs on car insurance is challenging for beginners to comparison shopping online. You have so many choices that it can quickly become a real difficult job to find cheaper prices.

The purpose of this article is to help educate you on the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these methods. But vehicle owners benefit from understanding how insurance companies determine prices.

Compare car insurance price quotes online

To get cheap auto insurance quotes, there a variety of ways to compare quotes from many available car insurance companies in your state. The recommended way to comparison shop is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

  • The best way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This quick form eliminates the need for a different quote for each price estimate. In just a few minutes this one form will get you price quotes from all major companies. This is perfect if you don’t have a lot of time.
  • A different way to obtain and compare quotes online is spending the time to visit the website of each company and fill out their own quote form. For sake of this example, we’ll assume you want to compare prices for State Farm, Farmers and American Family. To find out each rate you need to go to each individual site and repeatedly enter your information, which can be really labor intensive. To view a list of companies in your area, click here.
  • The most difficult method to quote and compare insurance rates is driving to each insurance agency near you. Quoting online has reduced the need for local agents unless your situation requires the professional assistance that you can only get from talking to an agent. Although you can obtain prices from the web but have your policy serviced through an agent.

It doesn’t matter which method you choose, just be sure you’re using identical information for each quote you get. If each company quotes different liability limits it will be nearly impossible to find the best deal for your Mercury Villager. Just a small difference in insurance coverages or limits can mean a large discrepancy in price. And when comparison shopping, comparing a wide range of rates gives you a better chance of getting better pricing. Some insurance companies are not set up to provide quotes online, so you should also compare rates from those companies as well.

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

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Do you qualify for discounts?

Auto insurance is expensive, but there could be available discounts that you may not even be aware of. A few discounts will automatically apply at the time of quoting, but lesser-known reductions have to be requested specifically before you will receive the discount.

  • Low Mileage Discounts – Low annual miles could be rewarded with cheaper rates.
  • Early Renewal Discounts – Some auto insurance companies give discounts for renewing your policy prior to your current policy expiration. You could save around 10% when you buy auto insurance online.
  • Savings for New Vehicles – Buying a new car model may earn a small discount since newer vehicles have better safety ratings.
  • E-sign – Many insurance companies provide a small discount shop auto insurance online.
  • Student Discounts – Maintaining excellent grades can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
  • ABS Braking Discount – Cars and trucks with ABS braking systems or traction control can reduce accidents so companies give up to a 10% discount.
  • College Student Discount – who attend college more than 100 miles from home and do not have a car may qualify for this discount.
  • Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft so companies will give you a small discount.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire policy premium. A few only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.

To see auto insurance companies that can offer you the previously mentioned discounts, click this link.

Don’t assume everyone needs the same car insurance coverage

When it comes to buying the best car insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions might point out if your situation might need professional guidance.

  • How much liability do I need to cover my assets?
  • Can I still get insurance after a DUI?
  • Does my policy pay for OEM or aftermarket parts?
  • How much liability insurance is required?
  • Can my teen driver be rated on a liability-only vehicle?
  • When should I remove comp and collision on my 1996 Mercury Villager?
  • How do I file an SR-22 for a DUI in my state?
  • Should I have combined single limit or split liability limits?
  • Should I rate my 1996 Mercury Villager as pleasure use or commute?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form.

Insurance rate influencing factors

A large part of saving on insurance coverage is knowing the factors that help determine your premiums. When consumers understand what controls the rates you pay, this enables you to make decisions that may result in better insurance coverage rates.

Shown below are some of the major factors that factor into your prices.

  • Safer vehicles cost less to insure – Vehicles that have high safety ratings cost less to insure. These vehicles reduce the chance of injuries and lower rates of occupant injuries means less money paid by your insurance company and cheaper rates on your policy.
  • Vehicle theft costs us all – Choosing to buy a car with a theft deterrent system can save you a little every year. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop your vehicle from being stolen.
  • High deductibles equal low rates – Comp and collision deductibles state the amount of money the insured will be required to pay if you file a covered claim. Protection for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims are a windshield broken by a bird, damage caused by hail, or theft of your vehicle. The more you are required to pay out-of-pocket, the lower your rates will be for Villager coverage.
  • More than one policy can earn a discount – Most insurance coverage companies apply a discount for people that purchase more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, drivers will still want to compare rates to ensure the best deal. Consumers may find better rates by buying insurance from more than one company.

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

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Don’t believe everything you hear

Insurance coverage providers like GEICO, State Farm and Progressive seem to constantly run ads on television and other media. All the companies make the point about how much you will save if you switch your insurance coverage policy to them. It sounds good, but how can they all charge you a lower premium? Here is the trick they use.

Most companies have strict underwriting profiles for the right customer that will be a good risk. An example of a profitable customer could possibly be a mature driver, is a homeowner, and has a short commute. A driver who matches those parameters receive the lowest rate quotes and is almost guaranteed to save some money.

Potential insureds who do not meet the “perfect” profile must pay a higher rate and this results in business going elsewhere. The trick companies use is to say “drivers who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can make it sound like they have such great car insurance rates.

Because each company has a different risk profile, you need to get auto insurance quotes from several different companies. It’s not possible to predict with any certainty which company will have the best rates.

Insurance policy coverages for a Mercury Villager

Learning about specific coverages of insurance can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a broken windshield, vandalism and damage from flooding. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

This will cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as repair bills for other people’s vehicles, loss of income, attorney fees and pain and suffering. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

This coverage covers damage to your Villager from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a mailbox, crashing into a building, colliding with another moving vehicle, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as hospital visits, doctor visits, X-ray expenses, chiropractic care and EMT expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercury Villager.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

More effort can pay off

Consumers switch companies for many reasons like poor customer service, not issuing a premium refund, an unsatisfactory settlement offer and even questionable increases in premium. Whatever your reason, switching companies is not as difficult as it may seem.

We just covered many tips how you can compare 1996 Mercury Villager insurance auto insurance rates online. The most important thing to understand is the more companies you get premium rates for, the better chance you’ll have of finding low cost auto insurance. You may even discover the biggest savings come from a smaller regional carrier.

When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. There have been many situations where drivers have reduced full coverage and found out when filing a claim they didn’t purchase enough coverage. The goal is to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.

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