Cheap 1993 Mercury Villager Car Insurance Cost

Comparing insurance quotes online may seem complicated initially if you are like most people and have never completed quote comparisons online. But don’t let that discourage you because comparing rates is actually very simple.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. The purpose of this post is to help educate you on the best way to quote coverages and some money-saving tips. But car owners can benefit by having an understanding of the methods companies use to compete online and take advantage of how the system works.

How to buy car insurance online

There are several ways to shop for car insurance, and some are less time-consuming than others. You can waste a few hours (or days) driving to insurance companies in your area, or you could save time and use the web for quick rates.

Many popular insurance companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and each participating company provides a quote based on that data. This eliminates the need for form submissions to each individual car insurance company.

To access this free quoting program, click here to start a free quote.

The single downside to pricing coverage this way is you cannot specify which providers you want to price. If you prefer to choose specific insurance companies for rate comparison, we have a listing of car insurance companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, be certain you are entering equivalent deductibles and coverage limits on every quote you get. If you enter higher or lower deductibles it’s not possible to determine which rate is truly the best. Slightly different limits may result in a large different in cost. And when price shopping your coverage, quoting more helps improve the odds of finding more affordable insurance. Not every company provides price estimates online, so it’s important to compare prices from them as well.

Do I just need basic coverages?

When buying the best car insurance coverage for your vehicles, there really is not a best way to insure your cars. Each situation is unique.

These are some specific questions may help highlight if your insurance needs might need professional guidance.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• Why am I required to buy liability insurance?
• Is my Mercury Villager covered if I use it for business?
• What exactly is covered by my policy?
• Which is better, split liability limits or combined limits?
• Is my trailer covered?
• Will my rates increase for filing one claim?
• At what point should I drop full coverage?
• Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Coverage specifics

Learning about specific coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Collision protection

Collision insurance pays for damage to your Villager resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, colliding with a tree and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability coverages

Liability insurance protects you from injuries or damage you cause to other’s property or people. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as court costs, attorney fees and legal defense fees. How much coverage you buy is your choice, but buy higher limits if possible.

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, rock chips in glass and hail damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Mercury Villager.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage

Med pay and PIP coverage kick in for immediate expenses for things like X-ray expenses, surgery, EMT expenses, prosthetic devices and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible