Looking for cheaper auto insurance rates for your Mercury Villager? If you’re new to shopping for auto insurance online, it’s easy to get confused because of the huge number of companies offering insurance.
Most major insurance companies like Progressive, GEICO, Allstate and State Farm give price estimates directly from their websites. This process doesn’t take much effort as you simply type in your personal and coverage information as requested by the quote form. Once entered, their rating system sends out for reports for credit and driving violations and generates pricing information based on many factors.
This helps simplify price comparisons, but the process of having to visit many different websites and complete many quote forms can get tiresome after awhile. But it is imperative to do this in order to find the best price possible.
A more efficient way to compare auto insurance pricing makes use of a single form that gets prices from more than one company. It’s a real time-saver, requires less work, and makes rate comparisons much easier. Immediately after submitting the form, your coverage is rated and you can choose your choice of the returned quotes.
If the quotes result in lower rates, you can simply submit the application and purchase the new policy. It only takes a few minutes and may save quite a bit of money.
In order to find out if lower rates are available, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you input the coverages identical to your current policy. Using the same limits helps guarantee you will receive a rate comparison based on similar coverages.
Car insurance is not cheap, buy you may qualify for discounts to help bring down the price. Certain discounts will be triggered automatically at the time of quoting, but some must be manually applied in order for you to get them.
Keep in mind that most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates all those discounts means the company will pay you, car insurance companies aren’t that generous. Any amount of discount will cut the amount you have to pay.
To see a list of companies with the best car insurance discounts, click here.
When it comes to buying the best auto insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different.
Here are some questions about coverages that may help you determine if your insurance needs will benefit from professional help.
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form.
Learning about specific coverages of car insurance can be of help when determining appropriate coverage for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.
This coverage pays for damage to your Villager resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a parking meter, crashing into a building, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.
Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like pain medications, surgery, doctor visits and hospital visits. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Mercury Villager.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages do not exceed the liability coverage limits.
This protects you from damage or injury you incur to a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and 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 pays for claims like loss of income, funeral expenses and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as a tree branch falling on your vehicle, a broken windshield, falling objects, rock chips in glass and vandalism. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.