2002 Mercury Villager Car Insurance Rates

Trying to find better insurance prices for your Mercury Villager can be a lot of work, but you can learn these tips to find lower rates.

There are both good and bad ways to shop for car insurance and you need to know the absolute fastest way to get price quotes for a Mercury and find the lowest price either online or from local insurance agents.

Why your insurance premiums might be higher

Many different elements are considered when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but some are less apparent such as your credit history or your vehicle rating.When buying insurance it’s important to understand a few of the rating criteria that go into determining the level of your policy premiums. If you have some idea of what impacts premium levels, this allows you to make good choices that could help you find big savings.

The items below are most of the major factors used by your company to calculate rates.

  • More than one policy can earn a discount – Most major insurance companies give discounts for people who buy several policies from them. It’s known as a multi-policy discount. This can amount to ten or even fifteen percent. Even if you’re getting this discount it’s in your best interest to get quotes from other companies to ensure the best deal. Drivers may still save money by insuring with multiple companies.
  • Gender and insurance rates – Over the last 30 years, statistics show women are more cautious behind the wheel. The data does not necessarily mean that males are worse at driving than females. They both cause accidents at a similar rate, but the men get into accidents with more damage. Men also tend to have more aggressive citations like DUI and reckless driving.
  • Where do you drive? – Driving a lot of miles in a year’s time the higher your rates will be. A lot of companies charge rates based on how the vehicle is used. Cars used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your insurance coverage reflects how each vehicle is driven, because improper ratings can cost you money. An improperly rated Villager is just wasting money.
  • Vocation impacts rates – Did you know your occupation can influence how much you pay for insurance? Careers like fire fighters, social workers and miners have higher rates than the rest of us attributed to high stress and lots of time spent at work. On the flip side, careers such as scientists, historians and the unemployed receive lower rates for Villager coverage.
  • Eliminate unneeded add-on coverages – There are many additional extra coverages that you can get tricked into buying if you don’t pay attention. Insurance for personal injury protection, accident forgiveness, and Farm Bureau memberships are some examples. They may sound like good ideas when buying your policy, but your money might be better spent on other coverage so eliminate them to save money.
  • Deter theft and pay less – Buying a car with an alarm system can save you some money. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms all help prevent car theft and help bring rates down.
  • Rates may be higher where you live – Residing in less populated areas is a good thing when insuring your vehicles. People who live in big cities have more traffic problems and a longer drive to work. Fewer drivers means fewer accidents and lower theft and vandalism rates.

Where can I get the cheapest car insurance?

Finding a better price on car insurance can be surprisingly simple. The only thing you need to do is take time to compare rate quotes to see which company has cheap car insurance quotes. Comparing prices online can be done using a couple different methods.

  • One of the simplest ways to get quotes is a comparison rater form like this one (opens in new window). This form eliminates the need for a different quote for each company. One simple form will get you rate comparisons from several companies. It’s definitely the quickest method.
  • A slightly less efficient method to find better pricing requires a visit to each individual company website and repeat the quote process. For example, we’ll assume you want to see prices from Allstate, 21st Century and GMAC. You would need to spend time on each company’s site and repeatedly type in your coverage information, which is not fast way to get rate quotes. For a list of links to insurance companies in your area, click here.
  • The most difficult method to compare price estimates is to waste gas driving to each insurance agency near you. The ability to get quotes online makes this unnecessary unless you have a need for the peace of mind that only a licensed agent can provide. Some companies do allow you to compare online quotes but have a local agent actually write the policy.

It’s up to you which method you use, but compare identical coverages with every price quote. If you enter differing limits it’s not possible to determine which company has the best rates.

Insurance policy discounts you can’t miss

Insurance is not inexpensive, but you may qualify for discounts that can help lower your rates. Most are applied at quote time, but occassionally some discounts must be inquired about prior to getting the savings.

  • Paperwork-free – A few companies will give a small break for buying your policy on the web.
  • No Claims – Drivers who stay claim-free pay less in comparison with drivers who are more careless.
  • Anti-theft System – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and earn discounts up to 10% off your car insurance quote.
  • Student in College – Youth drivers who live away from home at college and don’t have a car could qualify for this discount.
  • Memberships – Participating in a civic or occupational organization can get you a small discount on your next insurance statement.
  • Sign Early and Save – Select companies give a discount for signing up before your current expiration date. It could save around 10% when you buy car insurance online.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle up may be able to save a few bucks off PIP or medical payments premium.
  • ABS Braking Discount – Cars equipped with ABS or steering control can reduce accidents so you can save 10 percent or more.
  • Discounts for Good Drivers – Safe drivers can save as much as half off their rates for Villager coverage than less cautious drivers.
  • 55 and Retired – Mature drivers may receive better insurance rates for Villager coverage.

Discounts save money, but please remember that some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you aren’t that lucky.

A list of companies and the discounts they provide are shown below.

  • 21st Century policyholders can earn discounts including theft prevention, student driver, anti-lock brakes, defensive driver, and teen driver.
  • State Farm offers discounts including good student, Steer Clear safe driver discount, defensive driving training, multiple autos, accident-free, and driver’s education.
  • AAA may have discounts that include good driver, good student, AAA membership discount, anti-theft, and education and occupation.
  • Liberty Mutual offers discounts for new vehicle discount, safety features, newly married, preferred payment discount, and hybrid vehicle.
  • Progressive may include discounts for continuous coverage, homeowner, multi-policy, multi-vehicle, good student, and online quote discount.

Double check with every company which discounts you qualify for. Some discounts may not be offered everywhere. To view insurers that offer some of these discounts, click this link.

Insurance agents can help

When it comes to buying coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine if your insurance needs could use an agent’s help.

  • Should I rate my 2002 Mercury Villager as pleasure use or commute?
  • Is pleasure use cheaper than using my 2002 Mercury Villager to commute?
  • Does car insurance cover theft of personal property?
  • What is the difference between comprehensive and collision coverage?
  • What if I don’t agree with a claim settlement offer?
  • Should I have a commercial auto policy?
  • Do I need motorclub coverage?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Car insurance coverages for a Mercury Villager

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for bills like funeral costs, X-ray expenses, ambulance fees and dental work. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This covers 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 insurance covers claims such as driving through your garage door, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Liability – Liability coverage can cover damage that occurs to other people or property. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like legal defense fees, pain and suffering, bail bonds, medical services and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Mercury Villager.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, a tree branch falling on your vehicle and a broken windshield. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Shop smart and save

Budget-conscious 2002 Mercury Villager insurance is attainable both online and from local agencies, so you need to shop car insurance with both to have the best selection. Some auto insurance companies do not provide online rate quotes and most of the time these small, regional companies sell through local independent agents.

When shopping online for auto insurance, it’s very important that you do not buy poor coverage just to save money. In many instances, drivers have reduced physical damage coverage and found out when filing a claim that it was a big mistake. Your strategy should be to buy enough coverage at the best cost and still be able to protect your assets.

In this article, we presented many ideas to reduce 2002 Mercury Villager insurance rates online. The most important thing to understand is the more companies you get car insurance rates for, the better your comparison will be. Consumers could even find that the best rates are with a smaller regional carrier.

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