Compare 1995 Mercury Villager Car Insurance Quotes

No one in their right mind looks forward to paying for auto insurance, particularly when their premiums are too high. Multiple insurers compete to insure your vehicles, so it can be very hard to choose a company to find the absolute lowest rate

It’s important to check auto insurance prices at least once a year because insurance rates are adjusted regularly by insurance companies. Even if you think you had the best deal on Villager coverage on your last policy you can probably find a lower rate today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to one of the best ways to reduce your cost while improving coverage.

If you are insured now or are shopping for new coverage, you can use this information to shop for the lowest rates while maintaining coverages. Buying car insurance is not rocket science. Consumers only need an understanding of the proper methods to compare company rates over the internet.

Pieces of the Mercury Villager insurance rate puzzle

It’s important that you understand the different types of things that play a part in calculating the rates you pay for insurance coverage. Understanding what controls the rates you pay allows you to make educated decisions that can help you get lower insurance coverage prices.

Shown below are a few of the “ingredients” companies use to determine your rates.

  • Battle of the sexes – Statistics demonstrate that women are safer drivers than men. However, this does not mean men are worse drivers. Both sexes are in accidents at about the same rate, but the males have costlier accidents. They also get more serious tickets like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents and therefore are the most expensive to insure.
  • Safer occupants lowers premiums – Vehicles with high crash test scores can get you lower premiums. Safe vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and lower rates for you. If your Mercury scored better than four stars on it is probably cheaper to insure.
  • Higher deductibles cost less – Physical damage deductibles define the amount you are willing to pay if you file a covered claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of claims that would be covered could be running into the backend of another car, collision with an animal, and burglary. The more the insured has to pay upfront, the bigger discount you will receive on Villager coverage.
  • Never let your coverage lapse – Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, but not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • How’s your driving record? – Drivers who don’t get tickets receive lower rates compared to drivers with tickets. Even a single moving violation can bump up the cost twenty percent or more. Drivers who get flagrant violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Rate your vehicle for proper use – The more miles you rack up on your Mercury every year the higher your rate. Almost all companies charge to insure your cars based on their usage. Cars not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Ask your agent if your insurance coverage policy is showing how each vehicle is driven. If your policy improperly rates your Villager can cost quite a bit.
  • High credit ratings translate to low rates – A driver’s credit score is a big factor in your rate calculation. If your credit is lower than you’d like, you could pay less to insure your 1995 Mercury Villager by improving your rating. People with good credit tend to be more responsible as compared to drivers with poor credit.
  • Your insurance coverage rates can be influenced by your job – Jobs such as lawyers, social workers and dentists are shown to have the highest average rates because of stressful work requirements and lots of time spent at work. Other occupations such as scientists, historians and the unemployed pay the least on Villager coverage.

Discounts are available to cut your rates

Car insurance companies don’t always advertise all available discounts in a way that’s easy to find, so the following is a list of both the well known and the more hidden car insurance savings. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates on Villager coverage than drivers with accidents.
  • College Student – Children who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Homeowners Discount – Being a homeowner can help you save on car insurance because of the fact that having a home demonstrates responsibility.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.

For a list of insurance companies with discount car insurance rates, click here.

Do drivers who switch really save?

Consumers constantly see and hear ads for the lowest price auto insurance from companies such as Allstate, GEICO and Progressive. They all have a common claim about savings if you move your policy.

But how can every company make the same claim?

All companies are able to cherry pick for the driver that makes them money. For instance, a preferred risk could be between 30 and 50, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote who matches those parameters will get very good rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who fall outside the “perfect” profile will be charged a higher premium and ends up with the customer not buying. The ads state “drivers who switch” not “everyone that quotes” save money. This is how companies can make the claims of big savings. That is why drivers must quote coverage with many companies. You cannot predict which company will provide you with the cheapest Mercury Villager insurance rates.

Everyone needs different coverages

When choosing proper insurance coverage, there really is no single plan that fits everyone. Every situation is different and your policy should reflect that. Here are some questions about coverages that might help in determining if you will benefit from professional help.

  • Can I rate high risk drivers on liability-only vehicles?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I have coverage when making deliveries for my home business?
  • How can I find cheaper teen driver insurance?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Where can I find high-risk insurance?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage options for a 1995 Mercury Villager

Having a good grasp of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types offered by insurance companies.

Collision coverage

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

Collision can pay for claims like hitting a mailbox, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Liability coverage

Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from claims by other people, and does not provide coverage for 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. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as repair bills for other people’s vehicles, court costs and loss of income. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses like rehabilitation expenses, EMT expenses, dental work, X-ray expenses and ambulance fees. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 1995 Mercury Villager.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, damage from getting keyed, theft, damage from a tornado or hurricane and rock chips in glass. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Quote often and quote early

Throughout this article, we presented many ways to compare 1995 Mercury Villager insurance prices online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. You may even find the lowest rates come from the smaller companies. They often have lower prices on specific markets compared to the large companies like Progressive or GEICO.

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. In many cases, an insured cut collision coverage only to regret at claim time that they should have had better coverage. The proper strategy is to buy a smart amount of coverage for the lowest price.

Much more information about car insurance is available on the following sites: