How Much Does 2001 Mercury Villager Car Insurance Cost?

Locating lower-cost insurance may be somewhat difficult for drivers new to quoting and comparison shopping on the internet. With so many insurance companies available, how can you efficiently compare every possible option in order to find the best available price?

It’s a good habit to compare prices every six months because prices are usually higher with each renewal. Just because you had the lowest price on Villager coverage at your last renewal the chances are good that you can find a lower rate quote today. Ignore everything you know about insurance because you’re about to learn the best way to save on insurance.

If you currently have a car insurance policy, you should be able to cut costs considerably using these methods. The purpose of this post is to let you in on how car insurance quotes work and some money-saving tips. Although vehicle owners do need to understand how companies market on the web.

How to buy car insurance online

There are multiple methods you can shop for car insurance and some are easier and takes less work. You can spend your afternoon talking to agents in your area, or you could use the web to maximize your effort.

Most car insurance companies take part in a program that enables customers to complete one form, and each company can provide price quotes for coverage. This prevents consumers from doing quotation requests for each company you want a rate for.

To compare rates now click here to open in new window.

The only downside to doing it this way is you can’t choose the providers to receive prices from. So if you prefer to pick from a list of companies to request quotes from, we have assembled a list of the cheapest car insurance companies in your area. Click here to view list.

Whichever way you use, make sure you compare identical information for every quote you compare. If you enter higher or lower deductibles then you won’t be able to get a fair rate comparison. Just a small difference in coverages may result in a large different in cost. And when quoting car insurance, remember that obtaining a wide range of quotes increases your odds of finding better pricing. Some companies don’t provide online rate quotes, so it’s recommended that you also compare price quotes from the smaller companies as well.

Do drivers who switch really save $398 a year?

Respected companies like State Farm, Allstate and Geico endlessly run ads on TV and radio. They all try to convey promises of big savings if you move your policy. How can each company claim to save you money? You have to listen carefully.

Different companies can use profiling for the type of driver that earns them the highest profit. An example of this type of risk profile may be over the age of 40, carries full coverage, and drives a car with an anti-theft system. A customer that matches those criteria may get the lowest prices and will most likely save when switching.

Consumers who are not a match for these stringent criteria will see higher premiums which usually ends up with the customer not buying. The trick is to say “people who switch” not “everyone that quotes” can save as much as they claim. That is how insurance companies can make the claims of big savings. Each company has different criteria, so drivers must compare rate quotes every year. It is impossible to guess with any certainty which company will give you the biggest savings.

Use discounts to get cheaper auto insurance rates

Insurance can cost an arm and a leg, but you might find some hidden discounts to help bring down the price. Most are applied at the time of purchase, but some discounts are required to be specifically requested before they will apply.

  • Cautious Driver Discounts – Drivers without accidents could pay up to 40% less on Villager coverage than less cautious drivers.
  • Senior Citizens – If you qualify as a senior citizen, you could receive a slight reduction on a insurance quote on Villager coverage.
  • Theft Prevention System – Vehicles that have factory anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Low Mileage – Fewer annual miles on your Mercury could earn substantially lower premium rates.
  • Telematics Discount – Policyholders that allow their company to analyze driving manner remotely such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they are good drivers.
  • Paper-free Discount – Certain insurance companies provide a small discount just for signing your application on your computer.
  • Active Military Service – Being deployed in the military could be rewarded with lower prices.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you will save up to 20% and get you cheap insurance.
  • Good Grades Discount – Performing well in school may save as much as 25% on a insurance quote. You can use this discount normally well after school through age 25.
  • Passive Restraints – Factory air bags or automatic seat belts may qualify for discounts of 25 to 30%.

Please keep in mind that most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think you could get a free auto insurance policy, it doesn’t quite work that way.

To see a list of companies that can offer you the previously mentioned discounts, click this link.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage for your vehicles, there is no best way to insure your cars. Everyone’s needs are different.

These are some specific questions may help highlight if you might need professional guidance.

  • Why do I need rental car insurance?
  • Is there coverage for injuries to my pets?
  • How high should my medical payments coverage be?
  • How much liability do I need to cover my assets?
  • Am I covered when pulling a rental trailer?
  • Can my teen drive my company car?
  • How do I insure my teen driver?
  • How can I force my company to pay a claim?
  • Do I need higher collision deductibles?
  • Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance coverages and their meanings

Learning about specific coverages of auto insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as vandalism, theft and damage from a tornado or hurricane. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability

Liability insurance provides protection from damage or injury you incur to other people or property that is your fault. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as medical services, repair bills for other people’s vehicles, structural damage, attorney fees and medical expenses. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills for things like surgery, ambulance fees, chiropractic care, doctor visits and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

UM/UIM Coverage

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2001 Mercury Villager.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, hitting a parking meter, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

The bottom line

When getting insurance quotes online, do not buy poor coverage just to save money. There are many occasions where someone sacrificed full coverage and learned later that they should have had better coverage. Your goal should be to find the BEST coverage at the best price, but do not sacrifice coverage to save money.

Cheap 2001 Mercury Villager insurance is attainable on the web and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance coverage companies do not provide the ability to get a quote online and many times these regional carriers work with independent agencies.

Consumers who switch companies do it for any number of reasons including poor customer service, an unsatisfactory settlement offer, high prices or even not issuing a premium refund. It doesn’t matter what your reason, finding a new company is pretty simple and you could end up saving a buck or two.

More detailed insurance coverage information can be read by following these links: