Lower Your 2001 Mercury Villager Insurance Cost

Looking for better auto insurance rates for your Mercury Villager? Buying affordable auto insurance on the internet may be somewhat difficult for consumers not familiar with shopping for insurance online. With so many choices of insurance companies available, how can drivers effectively compare them all to find the lowest price available?

It’s important to shop coverage around on a regular basis because rates change quite often. Just because you had the lowest price for Villager insurance a couple years back there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the easiest way to reduce your cost while improving coverage.

Companies offer discounts so take them!

Car insurance is not cheap, but you can get discounts to reduce the price significantly. Some discounts apply automatically at quote time, but a few must be asked for prior to getting the savings.

  • Discount for Life Insurance – Larger companies have better rates if you take out a life insurance policy as well.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for a substantially lower rate.
  • No Claims – Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for Villager insurance with select insurance companies.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.

Keep in mind that most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think adding up those discounts means a free policy, you’re out of luck. But all discounts will help reduce the amount you have to pay.

Insurance companies who might offer these discounts are:

Before buying, ask all companies you are considering which discounts they offer. Savings may not apply in every state.

Compare the Market for Insurance

There are several ways to compare rate quotes and find the best price. The quickest method to find the lowest 2001 Mercury Villager rates is simply to get online rate quotes. This can be accomplished in a couple of different ways.

  • The fastest way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This easy form keeps you from doing boring form submissions to each individual insurance company. One simple form compares rates from multiple low-cost companies. This is by far the quickest method.
  • A more difficult way to get quotes online is spending the time to visit the website for each individual company and request a quote. For instance, let’s assume you want to compare rates from Progressive, Esurance and Geico. To get each rate you have 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.

It’s your choice how you get your quotes, but make absolute certain that you use apples-to-apples coverages and limits with every price quote. If you are comparing unequal deductibles or liability limits it will be impossible to determine the lowest rate for your Mercury Villager. Just a small difference in coverages may result in a large different in cost. And when quoting insurance, remember that comparing a large number of companies provides better odds of finding lower pricing.

Mercury Villager rates influenced by many factors

Smart consumers have a good feel for the rating factors that come into play when calculating your auto insurance rates. Knowing what determines base rates enables informed choices that will entitle you to better auto insurance rates.

The list below includes a partial list of the pieces auto insurance companies consider when setting prices.

  • Poor driving leads to higher costs – Drivers who don’t get tickets receive lower rates than their less careful counterparts. Even a single speeding ticket can bump up the cost by as much as thirty percent. Drivers who get dangerous violations such as DUI or reckless driving may be required to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
  • Rates may be lower depending on your job – Occupations such as doctors, business owners and financial analysts tend to have higher average rates due to high stress levels and lots of time spent at work. Conversely, professions such as farmers, engineers and retirees receive lower rates for Villager insurance.
  • Discounts for multiple policies – Most auto insurance companies give discounts to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to shop around to confirm you are receiving the best rates possible.
  • Drive less and save money – The more miles you rack up on your Mercury in a year’s time the more you will pay for auto insurance. Most companies price each vehicle’s coverage based on their usage. Cars and trucks not used for work or commuting receive lower rates than vehicles that are driven to work every day. If your policy improperly rates your Villager can cost quite a bit. Ask your agent if your auto insurance policy is showing how each vehicle is driven, because improper ratings can cost you money.
  • An active claims history can cost you – Companies give cheaper rates to people who do not file claims often. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Sex matters – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men have accidents in similar percentages, but men cause more damage. Men also get more serious tickets like reckless driving and DUI. Young males tend to get in the most accidents and therefore are the most expensive to insure.

Do I just need basic coverages?

When buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether your personal situation would benefit from an agent’s advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Who is covered by my policy?
  • Am I covered if I hit a deer?
  • How can I get my company to pay me more for my totalled car?
  • What happens if I owe more than my 2001 Mercury Villager is worth?
  • What vehicles should carry emergency assistance coverage?
  • How can I get high-risk coverage after a DUI?
  • Am I covered if hit by an uninsured driver?
  • Do I get a pro-rated refund if I cancel my policy early?
  • If my 2001 Mercury Villager is totaled, can I afford another vehicle?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Is there deception in advertising?

Insurance providers like Allstate and Progressive consistently run television and radio advertisements. They all make an identical promise of big savings if you change your policy. How do they all make the same claim? This is how they do it.

All the different companies have a certain “appetite” for the type of customer they prefer to insure. A good example of a driver they prefer might be a mature driver, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote that hits that “sweet spot” receives the best rates and is almost guaranteed to cut their rates substantially.

Potential insureds who fall outside these standards will be quoted higher prices which leads to business going elsewhere. The ad wording is “customers who switch” but not “drivers who get quotes” save that much. That’s why insurance companies can confidently advertise the savings.

This emphasizes why it’s extremely important to quote coverage with many companies. It’s not possible to predict which insurance companies will have the lowest Mercury Villager insurance rates.

Auto insurance coverage information

Having a good grasp of a car insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage

This coverage will pay to fix damage to your Villager resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like backing into a parked car, hitting a parking meter, rolling your car and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mercury Villager.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability car insurance

This coverage will cover damage that occurs to a person or their property that is your fault. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like funeral expenses, structural damage, medical expenses, loss of income and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for hospital visits, pain medications, ambulance fees, doctor visits and funeral costs. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Comprehensive protection

Comprehensive insurance coverage pays for 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 damage from a tornado or hurricane, damage from getting keyed and hail damage. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

In any little way, save everyday

We just presented quite a bit of information on how to shop for 2001 Mercury Villager insurance online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with a small local company.

Drivers who switch companies do it for a number of reasons such as high prices, denial of a claim, lack of trust in their agent or even high rates after DUI convictions. It doesn’t matter what your reason, finding a new company is not as hard as you think.

The cheapest insurance is available both online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

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