Cheaper 2001 Mercury Villager Insurance Quotes

Looking for the cheapest insurance coverage rates for your Mercury Villager? Have you had enough of scraping the payment together to pay your car insurance bill each month? Your situation is no different than many other drivers. Online insurance companies like Geico and Progressive all claim big savings with ad campaigns and it can be hard to ignore the flying pigs and cute green geckos and find the best price available.

If you have a current insurance coverage policy or are looking for a new policy, you can learn to find the best rates while maximizing coverage. Choosing the best insurance company for you is not rocket science. Consumers only need to know the tricks to get comparison quotes online.

Comparison of Car Insurance

Cutting your car insurance rates can be relatively painless. The only requirement is to invest a little time getting comparison quotes online with multiple companies. This can be done in several different ways.

One of the best ways to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This form saves time by eliminating separate quote forms for every car insurance company. One form submission gets rate comparisons from all major companies.

A different way to analyze rates is to take the time to go to the website of each company and fill out their own quote form. For instance, let’s say you want rates from Geico, Allstate and Farmers. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

However you get your quotes, double check that you are using the exact same information with every price quote. If each company quotes different limits and deductibles on each one it will be very difficult to truly determine the lowest rate.

Save $466 a year. For real?

Consumers can’t get away from ads for car insurance savings from the likes of 21st Century, Allstate and State Farm. They all say the same thing that you can save if you move your coverage to them.

But how can every company claim to save you money? It’s all in the numbers.

All the different companies are able to cherry pick for the right customer that is profitable for them. For instance, a preferred risk might be between 25 and 40, a clean driving record, and has excellent credit. A driver that hits that “sweet spot” gets the lowest rates and most likely will save a lot of money.

Potential customers who don’t measure up to these standards will have to pay higher premiums and ends up with business not being written. The ads state “people who switch” not “people who quote” save that kind of money. This is how insurance companies can confidently claim big savings.

Because of the profiling, drivers must get quotes from several different companies. It’s impossible to know the company that will fit your personal profile best.

Impacting insurance rates for a Mercury Villager

It’s important that you understand the different types of things that play a part in calculating auto insurance rates. Knowing what determines base rates helps enable you to make changes that may reward you with big savings.

  • Poor credit can mean higher rates – A driver’s credit rating is a important factor in your rate calculation. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower credit scores. If your credit can use some improvement, you could be paying less to insure your 2001 Mercury Villager by improving your rating.
  • Big city or small town – Residing in a rural area has it’s advantages when insuring your vehicles. Fewer drivers means reduced accidents and also fewer theft and vandalism claims. City drivers regularly have congested traffic and a longer drive to work. Higher commute times means more change of being in an accident.
  • Pay less after the wedding – Being married can actually save you money on your policy. Having a spouse translates into being more responsible and it’s statistically proven that drivers who are married are more cautious.
  • Pleasure use or commuting – Driving more miles every year the more you will pay for auto insurance. Almost all companies apply a rate based on how the vehicle is used. Cars and trucks left parked in the garage receive lower rates compared to those used for work or business. If your policy improperly rates your Villager may be wasting your money. Make sure your auto insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
  • Do men or women drive better? – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. They both are in accidents at a similar rate, but the males tend to have more serious accidents. They also get more serious tickets like reckless driving and DUI.
  • How your age affects price – Older insureds tend to be more responsible, tend to file fewer claims and are safer drivers. Young drivers are known to get distracted easily when behind the wheel and because of this, their auto insurance rates are much higher.
  • Don’t skimp on liability – Liability coverage will protect you in the event that you are found to be at fault for personal injury or accident damage. Liability provides legal defense coverage up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.

Lower rates by qualifying for discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not even be aware of. Certain discounts will be triggered automatically when you get a quote, but a few must be specifically requested before they will apply. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Clubs and Organizations – Being a member of certain professional organizations is a good way to get lower rates on your policy on Villager coverage.
  • Early Signing – A few companies offer discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts compared to frequent claim filers.
  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.

It’s important to note that many deductions do not apply to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates you could get a free auto insurance policy, you’re out of luck. Any amount of discount will bring down the amount you have to pay.

For a list of companies with discount auto insurance rates, click this link.

Car insurance is unique, just like you

When choosing coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions might help in determining if your situation will benefit from professional help.

  • Do I have newly-aquired coverage?
  • Can I rent a car in Mexico?
  • What if I don’t agree with a claim settlement offer?
  • Do I need PIP coverage since I have good health insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can I make deliveries for my home business?
  • Is other people’s property covered if stolen from my vehicle?
  • Where can I get insurance after a DUI in my state?
  • How do I insure my teen driver?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages 101

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on the average car insurance policy.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses such as EMT expenses, X-ray expenses, pain medications and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a deer, a broken windshield and hail damage. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, sideswiping another vehicle, damaging your car on a curb, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Coverage for liability

Liability insurance will cover damage that occurs to other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like legal defense fees, court costs, bail bonds and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Mercury Villager.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

More comparisons equals lower rates

In this article, we presented many tips how you can get a better price on 2001 Mercury Villager insurance. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. You may even discover the best price on insurance coverage is with the smaller companies. These smaller insurers often have lower prices on specific markets than their larger competitors like State Farm, Geico and Nationwide.

Affordable insurance is attainable online as well as from independent agents, so compare prices from both to have the best rate selection. Some insurance coverage companies don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

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