View 2001 Mercury Villager Insurance Quotes

Trying to find better car insurance rates for your Mercury Villager? Searching for better insurance prices for a Mercury Villager could be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to compare car insurance rates so we’re going to tell you the proper way to get price quotes on a Mercury and get the cheapest rates.

If you have a policy now or need a new policy, you can learn to find better prices and still get good coverage. Pricing cheaper insurance coverage is easy if you know what you’re doing. Vehicle owners just need to learn the tricks to find the lowest price over the internet.

The cheapest car insurance

Finding cheap car insurance quotes can be relatively painless. You just need to spend a few minutes on the computer comparing rates online with multiple companies. It’s super easy and can be done using one of these methods.

  • Probably the best way to get quotes is a comparison rater form click here to open form in new window. This form prevents you from having to do boring form submissions for every prospective company. One quote request will get you price quotes instantly. This is by far the quickest method.
  • A different way to get comparison quotes is going to the website for every company you want to comare to complete a price quote. For instance, let’s say you want to get rates from Liberty Mutual, Farmers and Geico. In order to compare rates, you need to go to each individual site and enter your policy data, which explains why we recommend starting with the first method.

    For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just compare identical coverage limits for each comparison quote. If you compare different limits and deductibles on each one you will not be able to find the best deal for your Mercury Villager.

Five things that affect your insurance costs

One of the most helpful ways to save on car insurance is to to have a grasp of a few of the rating criteria that aid in calculating your car insurance rates. When consumers understand what influences your rates, this allows you to make good choices that will entitle you to lower car insurance prices. Many things are part of the equation when you quote your car insurance policy. A few of the factors are predictable like an MVR report, but some are less obvious such as whether you are married or your vehicle rating.

The itemized list below are a partial list of the pieces that factor into your premiums.

  • Gender and insurance premiums – The statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. They both get in accidents in similar percentages, but the male of the species have accidents that have higher claims. Not only that, but men also get cited for more serious violations such as reckless driving. Male teenagers are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Pay more out-of-pocket – Deductibles for physical damage state the amount of money you are willing to pay out-of-pocket if the claim is covered. Insurance for physical damage to your car, also called ‘full coverage’, insures against damage to your car. Some coverage claims are rearending another vehicle, animal collisions, and having a roll-over accident. The higher the amount you are required to pay out-of-pocket, the less your car insurance will be for Villager insurance.
  • Safety ratings are a factor – Cars with five star safety ratings cost less to insure. Safe vehicles result in less severe injuries and any reduction in injury severity means less claims paid which can mean better rates for you. If your Mercury Villager has ratings of a minimum four stars on Safercar.gov it may cost less to insure.
  • City traffic equals higher premiums – Living in smaller towns and rural areas of the country can be a good thing when trying to find low car insurance rates. People in densly populated areas have to deal with more auto accidents and much longer commute distances. Fewer drivers translates into fewer accident claims as well as less vandalism and auto theft.
  • Drivers with responsible credit save – Having a bad credit score is a large factor in determining what you pay. People that have high credit ratings tend to file fewer claims and have better driving records than those with poor credit scores. Therefore, if your credit rating leaves room for improvement, you could save money insuring your 2001 Mercury Villager by improving your rating.

Car insurance discounts are available to cut your rates

Some providers don’t always list the entire discount list in a way that’s easy to find, so the list below gives a summary of both the well known and the more hidden credits available to lower your premiums when you buy insurance online.

  • One Accident Forgiven – Not really a discount, but a handful of insurance companies allow you one accident without the usual rate increase if you have no claims for a particular time prior to the accident.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Military Rewards – Being deployed with a military unit could mean lower prices.
  • Sign Early and Save – Some insurance companies give discounts for renewing your policy prior to your current policy expiration. You could save around 10% when you buy insurance online.
  • Telematics Discount – Drivers who agree to allow data collection to study when and where they use their vehicle remotely such as State Farm’s In-Drive may see discounts if they have good driving habits.
  • Theft Deterent System – Cars equipped with anti-theft or alarm systems are less likely to be stolen and that can save you a little bit as well.

It’s important to note that some of the credits will not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, it just doesn’t work that way. Any qualifying discounts will positively reduce the amount you have to pay.

To locate companies with discount car insurance rates, follow this link.

Everyone needs different auto insurance coverages

When it comes to buying adequate coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if your insurance needs might need professional guidance.

  • What is an SR-22 filing?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I rate high risk drivers on liability-only vehicles?
  • How much underlying liability do I need for an umbrella policy?
  • Can I get a multi-policy discount?
  • Do I have newly-aquired coverage?
  • Does car insurance cover theft of personal property?
  • What is roadside assistance coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage information

Understanding the coverages of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, a broken windshield and hitting a deer. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like doctor visits, hospital visits, pain medications and EMT expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – This coverage will pay to fix damage to your Villager from colliding 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 pays for things like damaging your car on a curb, crashing into a building, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Auto liability – This coverage provides protection from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as emergency aid, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Get your money’s worth

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped comprehensive coverage or liability limits and learned later they didn’t have enough coverage. The goal is to purchase plenty of coverage for the lowest cost, but don’t skip important coverages to save money.

Throughout this article, we presented many ways to get a better price on 2001 Mercury Villager insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding low cost insurance. You may even discover the best premium rates are with some of the lesser-known companies.

Consumers leave their current company for a number of reasons such as delays in paying claims, being labeled a high risk driver, policy non-renewal and even denial of a claim. Regardless of your reason for switching companies, choosing a new company is pretty easy and you might even save some money in the process.

Additional information can be read at these links:

Comments About 2001 Mercury Villager Insurance

  1. Jeremy Mercer

    I’m in the north part of Newark, NJ. Quoted with Western Auto Insurance, AAA, Hartford, and MetLife for my Mercury and cut my rates about $100 a year. I get lower rates because of my clean driving record. Anyone else drop full coverage?

  2. David Nguyen

    I live in Frederick, MD. I don’t recall every quote but I ended up saving about $20 each month. Left Safeco to switch. I’m thinking about dropping full coverage though.

  3. Annalee Watkins

    Need cheaper insurance rates for my teenage driver in Newark, New Jersey!!

  4. Ja Obrien

    It all costs too much. From a town just southwest of Miami, FL. I compared lots of rates. Saved darn near $30 a month. 21st Century was the cheapest for me. I have several vehicles insured with them.

  5. Olene Guy

    I’ve bought from State Farm forever. Cheapest rates in Tacoma, Washington.

  6. Vella Garner

    If you have a good history and live around Hilo, HI, check out 21st Century. They seem to be cheaper. Teenage drivers are expensive! When should I drop full coverage?

  7. Gordon Ferguson

    It all costs too much. Checking in from North Charleston, SC. Got car insurance prices from Liberty Mutual, Auto-Owners, Safeco, and a couple others for my Villager and I think I saved around $20 each month. My new agent seems to be really good.

  8. Lieselotte Aguirre

    Found cheapest coverage with Auto-Owners for my Villager and cut my rates about $80 a year. Left 21st Century to switch. I think I’ll get rid of full coverage next time.

  9. Serina Bates

    I’m in the suburbs of Cranston, RI. Quoted a bunch of companies. Saved about $30 a month. State Farm was the cheapest for me. I get multi-vehicle and multi-policy discounts.

  10. Majorie Church

    I live just outside Nashua, New Hampshire. I got free quotes from Progressive, American Family, and some I forget for my Villager and saved just over $70 a year. I used their online quote form to compare rates.

  11. Glayds Cervantes

    I found affordable 2001 Mercury Villager insurance from GEICO in Cranston, RI.

  12. Karina Miles

    Corporate greed I’m telling you. Lifelong resident of Tucson, AZ. Can’t remember who all I quoted but I ended up saving about $20 each month. Was with Sentry.