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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Did a good deal turn into high-priced car insurance? Believe me when I say there are a lot of people just like you who feel imprisoned by their car insurance policy.

Many car insurance companies vie for your hard-earned dollar, so it’s not easy to compare every insurance company and get the best coverage at the best price available.

These discounts can lower your insurance coverage rates

Insurance can cost an arm and a leg, but you might already qualify for some discounts to cut the cost considerably. Certain credits will be shown when you complete an application, but less common discounts must be asked for before you get the savings.

  • Membership in Organizations – Being in qualifying employment or professional organizations can get you a small discount when shopping for insurance coverage.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to use their safety belts can save 10% or more off PIP or medical payments premium.
  • Low Mileage Discounts – Low mileage vehicles may enable drivers to earn substantially lower rates.
  • Savings for New Vehicles – Putting insurance coverage on a new car can be considerably cheaper because newer vehicles keep occupants safer.
  • Early Switch Discount – A few companies give discounts for switching companies prior to your current policy expiration. Ten percent is about the average savings.
  • Student Discounts – Being a good student could provide a savings of up to 20% or more. This discount can apply up to age 25.

As a sidenote, most discounts do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think all those discounts means the company will pay you, you’re out of luck.

Some of the larger companies that may offer these benefits may include but are not limited to:

If you need lower rates, check with every insurance company which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered in your area. If you would like to choose from a list of insurance coverage companies who offer free insurance coverage quotes, click here to view.

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

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Low cost insurance coverage prices

When shopping for affordable car insurance quotes, there are a couple of ways of comparing rate quotes from local insurance coverage companies. By far the easiest way to find the lowest 1997 Mercury Villager rates involves getting comparison quotes online. This is very easy and can be done in a couple of different ways.

One of the simplest ways to get quotes is to use a rate comparison form click here to open form in new window. This method saves time by eliminating a different quote for every insurance coverage company. Taking the time to complete one form gets rate comparisons from multiple low-cost companies.

Another way to find lower rates requires a visit to each company’s website to complete their respective quote request forms. For examples sake, we’ll assume you want rates from Nationwide, State Farm and GMAC. You would need to navigate to each company’s site and enter your policy data, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.

The last method to get comparison rates is to drive around to and from local insurance agencies. Buying insurance online has made agencies unnecessary unless you require the professional assistance only provided by licensed agents. Although you can obtain prices from the web but still have the advice of a local agent.

The approach you take is up to you, just try to use the exact same coverages for each price quote. If the quotes have mixed coverages it will be very difficult to truly determine the lowest rate. Even a minor difference in limits may cause a big price difference. Just keep in mind that comparing more company’s prices increases your odds of finding the best offered rates. Not every company allows you to get quotes online, so it’s recommended that you also compare price quotes from them, too.

How to lower your insurance costs

Multiple criteria are part of the calculation when premium rates are determined. Some are pretty understandable such as your driving record, but some are more transparent such as your marital status or how financially stable you are.One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that help calculate auto insurance rates. When consumers understand what determines premiums, this enables you to make decisions that could help you find much lower annual insurance costs.

  • Pay more out-of-pocket – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Mercury. A few examples of covered claims could be running into the backend of another car, hitting a deer, and burglary. Comprehensive and collision coverage deductibles represent how much money you are willing to pay if you file a covered claim. The larger the amount you choose to pay out-of-pocket, the lower your rates will be for Villager insurance.
  • Your occupation may affect prices – Jobs such as doctorsairline pilots and miners generally pay the highest rates in part from intense work situations and long work hours. Conversely, jobs such as scientists, engineers and performers have lower than average premiums for Villager insurance.
  • Credit rating impacts rates – Having a good credit history factor in determining what you pay. So if your credit score is low, you may save money insuring your 1997 Mercury Villager by taking the time to improve your credit score. People with excellent credit scores tend to file fewer claims as compared to drivers with lower credit ratings.
  • Liability insurance is critical – Your policy’s liability coverage is the protection if you are determined to be liable for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage to defend your case. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.

Different people need different insurance coverage coverages

When buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions can help discover if you might need professional guidance.

  • Do I need added coverage for expensive stereo equipment?
  • Do I have coverage if my license is suspended?
  • Can my teen drive my company car?
  • Does medical payments coverage apply to all occupants?
  • How much underlying liability do I need for an umbrella policy?
  • Is my custom paint covered by insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can I make deliveries for my home business?
  • Can I rent a car in Mexico?
  • What if I don’t agree with a claim settlement offer?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

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

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Detailed coverages of your car insurance policy

Having a good grasp of a car insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. These are the usual coverages found on most car insurance policies.

Coverage for liability

Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like pain and suffering, court costs and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

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

Comprehensive insurance covers things such as falling objects, fire damage, a broken windshield and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

This coverage will pay to fix damage to your Villager resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a ditch, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like chiropractic care, doctor visits and surgery. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mercury Villager.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

And the best car insurance company is…

Some insurance coverage companies may not provide price quotes online and these smaller providers only sell through independent insurance agencies. Low-cost 1997 Mercury Villager insurance can be found both online and also from your neighborhood agents, and you need to price shop both to have the best selection.

We covered many ways to compare 1997 Mercury Villager insurance prices online. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may even find the best price on insurance coverage is with some of the smallest insurance companies. Some small companies may cover specific market segments cheaper than their larger competitors like GEICO and State Farm.

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