Cheap 2001 Mercury Villager Insurance Cost

Trying to find cheaper car insurance rates? Buyers have lots of choices when searching for low-cost Mercury Villager insurance. You can either waste hours calling around getting price quotes or save time using the internet to get rate quotes.

There is a right way and a wrong way to buy car insurance so we’re going to tell you the proper way to quote coverages for a Mercury and locate the cheapest rates.

The purpose of this post is to instruct you on the best way to quote coverages and some tips to save money. If you are paying for car insurance now, you will most likely be able to save some money using these techniques. Vehicle owners just need to understand how to shop over the internet.

Buy insurance coverage online

All the larger insurance coverage companies give pricing direct online. Comparing prices online is easy for anyone as you simply enter the amount of coverage you want on the page. Once entered, the quote system gets credit information and your driving record and gives you a price quote based on these factors.

This helps simplify price comparisons, but the time required to go to each company’s website and repetitively fill out multiple forms is monotonous and tiresome. But it is imperative to perform this step in order to get the lowest possible prices on insurance coverage.

The preferred way to locate the lowest prices uses one form that gets prices from several companies at one time. The form is fast, reduces the work, and makes online price comparison much more efficient. Immediately after submitting the form, it gets priced and you can choose any or none of the quote results.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. The whole process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To compare rates using this form now, simply click here to open in new window and fill out the form. If you have coverage now, it’s recommended that you enter your coverages just like they are on your policy. Doing this guarantees you are getting rate comparison quotes for similar coverage.

Find discounts on insurance coverage

Insuring your fleet can be pricey, but there’s a good chance there are discounts that you may not know about. Many discounts should be triggered when you complete an application, but lesser-known reductions have to be specially asked for before they will apply.

  • Own a Home – Owning a house can get you a discount due to the fact that maintaining a home is proof that your finances are in order.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you will save over 10 percent off each policy depending on the company.
  • No Charge for an Accident – This one is not really a discount per se, but a few companies such as Progressive and Allstate will forgive one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Drive Safe and Save – Drivers who avoid accidents can save up to 40% or more on their insurance quote on Villager coverage than drivers with accidents.
  • New Vehicle Savings – Buying a new car instead of a used car may earn a small discount since newer vehicles have better safety ratings.
  • Passive Restraints – Factory air bags or automatic seat belts can receive discounts of more than 20%.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% on Villager coverage with certain companies.

A quick disclaimer, many deductions do not apply to all coverage premiums. Most only cut the cost of specific coverages such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, you aren’t that lucky.

Larger insurance coverage companies and a partial list of their discounts are:

  • GEICO policyholders can earn discounts including daytime running lights, emergency military deployment, military active duty, five-year accident-free, anti-lock brakes, federal employee, and good student.
  • MetLife includes discounts for accident-free, multi-policy, claim-free, good student, good driver, defensive driver
  • Progressive offers discounts including good student, continuous coverage, multi-vehicle, online signing, multi-policy, homeowner, and online quote discount.
  • Travelers has savings for multi-car, save driver, early quote, good student, and hybrid/electric vehicle.
  • SAFECO offers discounts for anti-theft, teen safe driver, safe driver, teen safety rewards, multi-car, and homeowner.
  • AAA discounts include multi-car, pay-in-full, anti-theft, AAA membership discount, good driver, and good student.

Check with each company or agent which credits you are entitled to. Some of the earlier mentioned discounts might not be available to policyholders in your area. To find providers who offer cheap insurance coverage quotes, click this link.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.

  • Do I have any recourse if my insurance company denies a claim?
  • If my 2001 Mercury Villager is totaled, can I afford another vehicle?
  • Should I put collision coverage on all my vehicles?
  • What exactly is covered by my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my babysitter covered when using my vehicle?
  • Can I get a multi-policy discount?
  • Does my car insurance cover rental cars?
  • I have health insurance so do I need medical payments coverage?
  • Should I buy full coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Get cheaper insurance premiums by understanding these factors

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that aid in calculating the rates you pay for auto insurance. If you have a feel for what influences your rates, this helps enable you to make changes that could help you find cheaper rates.

Shown below are a partial list of the pieces used by insurance companies to determine premiums.

  • Cut premiums and deter theft – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent auto theft and help lower rates.
  • Do you need those incidental coverages? – There are a ton of additional extra coverages that can add up if you aren’t careful. Insurance for things like rental car reimbursement, towing, and Farm Bureau memberships may be costing you every month. They may seem good when you first buy your policy, but if you have no use for them get rid of them and save.
  • Driving citations increase rates – How you drive influences premium rates substantially. Careful drivers receive lower rates as compared to those with violations. Only having one citation could increase your next policy renewal by as much as thirty percent. Drivers who get flagrant violations like reckless driving or DUI may find they need to submit a SR-22 form with their state in order to keep their license.
  • How do annual miles impact prices? – The more miles you rack up on your Mercury annually the higher the price you pay to insure it. A lot of insurance companies calculate rates partially by how you use the vehicle. Autos not used for work or commuting receive better premium rates than those that get driven frequently. Having an incorrect usage rating on your Villager can cost quite a bit. Verify your declarations sheet is showing how each vehicle is driven.

Misconceptions in car insurance advertisements

Drivers constantly see and hear ads that promise big savings from companies such as Allstate, GEICO and Progressive. They all state the claim of big savings just by moving your coverage to them.

How is it possible that every company can save you money? You have to listen carefully.

Insurance providers give the cheapest rates for the driver that will most likely be profitable. One example of a desirable insured could possibly be a mature driver, has a clear driving record, and has excellent credit. Any person who meets those qualifications will get a cheap rate quote and will most likely save when they switch companies.

People who do not match these criteria must pay higher premium rates which leads to the prospect going elsewhere. Company advertisements say “drivers that switch” not “everybody who quotes” can get the lowest rates when switching. This is how companies can make claims like that.

Because of these techniques, you should get a wide range of price quotes. It’s not possible to predict the company that will give you the biggest savings.

Educate yourself about insurance coverages

Having a good grasp of your insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision – Collision insurance will pay to fix damage to your Villager resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a mailbox, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, damage from getting keyed and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage reimburse you for immediate expenses for surgery, chiropractic care, ambulance fees, X-ray expenses and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your 2001 Mercury Villager.

Since a lot of 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. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto liability – This coverage will cover injuries or damage you cause to other’s property or people. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for things like medical expenses, court costs, medical services, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Don’t be a big spender

Consumers leave their current company for any number of reasons including high rates after DUI convictions, lack of trust in their agent, policy cancellation and even delays in responding to claim requests. Regardless of your reason, switching insurance companies is not as hard as you think.

When getting insurance quotes online, do not buy poor coverage just to save money. There have been many situations where an insured cut liability coverage limits only to regret at claim time they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage for the lowest cost while still protecting your assets.

You just learned many ideas to reduce 2001 Mercury Villager insurance rates online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising.

Helpful resources