How Much Does 2002 Mercury Villager Insurance Cost?

Overwhelmed by the number of car insurance choices? Lot’s of other consumers are too. Drivers have so many companies to choose from that it can turn into a challenge to find the lowest price.

You should take the time to compare prices before your policy renews because insurance rates are usually higher with each renewal. If you had the lowest rates on Villager insurance two years ago there is a good chance you can find better rates now. Forget all the misinformation about car insurance because you’re about to learn the quickest way to find better coverage at a better price.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. The purpose of this article is to let you in on the most effective way to quote insurance and some money-saving tips. But vehicle owners must comprehend how insurance companies market on the web.

Auto Insurance Prices

There are a variety of methods to compare 2002 Mercury Villager auto insurance quotes, and some are less time-consuming than others. You could waste a few hours driving to insurance agencies in your area, or you can utilize the web to maximize your effort.

Many companies are enrolled in a marketplace that allows shoppers to submit one quote, and at least one company returns a rated price based on that data. This prevents consumers from doing quote forms for each company you want a rate for.

To fill out one form to compare multiple rates now click to open in new window.

The one downside to pricing coverage this way is that consumers can’t choose which companies you want pricing from. So if you want to choose specific providers to receive pricing from, we have a page of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but compare exactly the same coverages for each price quote. If you compare different values for each quote it will be impossible to find the best deal for your Mercury Villager. Quoting even small variations in coverage limits may result in large price differences. Just remember that getting more free quotes helps you find the best offered rates.

Your personal situation dictates your coverage

When it comes to choosing coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions might point out if you may require specific advice.

  • Am I covered if my car is in a flood?
  • Is my Mercury Villager covered if I use it for business?
  • At what point should I drop full coverage?
  • Should I bundle my homeowners policy with my auto?
  • What if I owe more than I can insure my car for?
  • What is PIP insurance?
  • What discounts do I qualify for?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance coverage specifics

Understanding the coverages of your policy aids in choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability insurance

This will cover injuries or damage you cause to a person or their property. This coverage protects you against claims from other people, and doesn’t cover 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 liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as loss of income, medical services, legal defense fees and emergency aid. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage kick in for bills such as nursing services, dental work and prosthetic devices. They can be used in conjunction with a health insurance program or if there is no health insurance 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. PIP coverage is only offered in select states and may carry a deductible

Collision protection

Collision insurance covers damage to your Villager from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as backing into a parked car, hitting a parking meter, sustaining damage from a pot hole, colliding with a tree and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like rock chips in glass, damage from flooding, a tree branch falling on your vehicle and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.