Lower Your 1993 Mercury Villager Insurance Quotes

Overpriced Mercury Villager insurance can drain your bank account and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. With so many companies and agents to choose from, it is hard for the average consumer to pick the most affordable insurer.

Choosing the best insurance company for you is not rocket science. If you are paying for car insurance now, you should be able to reduce your rates substantially using this information. Drivers only need an understanding of how to compare price quotes over the internet.

Comprehensive Insurance Comparison Quotes

There are a variety of methods you can shop for 1993 Mercury Villager insurance but some are more efficient than others. You could waste a few hours driving to insurance companies in your area, or you can stay home and use the internet to get the quickest rates.

Most major companies participate in an industry program that allows shoppers to submit their information once, and each company returns a rated price based on that data. This prevents consumers from doing quotation requests to each company.

To participate in this free quote system, click to open in new window.

The one downside to pricing coverage this way is buyers cannot specifically choose the companies you want to price. So if you want to select specific insurance companies to compare rates, we have a page of insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just ensure you are comparing apples-to-apples coverage limits with every price quote. If you compare differing limits it will be next to impossible to decipher which rate is best.

Do I just need basic coverages?

When buying the right insurance coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions may help you determine if you would benefit from professional advice.

• Why am I required to buy liability insurance?
• Do I need to file an SR-22 for a DUI in my state?
• How many claims can I have before being cancelled?
• Does my policy cover my teen driver if they drive my company car?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Are there companies who specialize in insuring high-risk drivers?
• Is my 1993 Mercury Villager covered for flood damage?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Coverage specifics

Having a good grasp of a insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like pain medications, rehabilitation expenses, funeral costs and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision insurance

Collision coverage will pay to fix damage to your Villager resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with a tree, hitting a parking meter, driving through your garage door and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Coverage for liability

Liability insurance provides protection from damage that occurs to other people or property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things like repair costs for stationary objects, emergency aid, repair bills for other people’s vehicles, legal defense fees and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Mercury Villager.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, hail damage, damage from getting keyed, falling objects and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.