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2000 Mercury Villager Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 19, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Overpriced Mercury Villager insurance can overdraw your checking account and force you to make sacrifices. Shopping your coverage around is a great way to slash your bill and have more diposable income. Multiple insurance companies compete for your business, so it can be very hard to choose a company to discover the definitive best rate

It’s smart to shop coverage around periodically because insurance rates trend upward over time. Just because you found the best price on Villager coverage a couple years back there is a good chance you can find better rates now. Starting now, forget anything you know (or think you know) about car insurance because you’re going to learn the things you must know in order to save money, get proper coverage and the best rates.

If you are insured now or are looking for a new policy, you can use these techniques to cut your premiums while maintaining coverages. Buying car insurance is not rocket science. Drivers only need an understanding of the most efficient way to compare company rates online.

Comprehensive Car Insurance Comparison

Getting a cheaper price on 2000 Mercury Villager insurance is surprisingly easy. The only thing you need to do is invest a little time to compare rate quotes online with multiple companies. This can be done in a couple of different ways.

The fastest way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This easy form eliminates the need for repetitive form entry for every car insurance company. One quote request will get you rate comparisons from multiple low-cost companies.

A slightly less efficient method to compare rate quotes is going to each individual company website and fill out their own quote form. For example, we’ll assume you want to compare Progressive, 21st Century and Allstate. 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 quicker.

For a list of links to insurance companies in your area, click here.

Whichever way you use, ensure you’re using apples-to-apples information on every quote. If you compare higher or lower deductibles it will be very difficult to determine which rate is truly the best.

Cut prices on Mercury Villager insurance

Companies offering auto insurance don’t always advertise all available discounts in a way that’s easy to find, so here is a list both well-publicized and also the lesser-known ways to save on auto insurance. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less on Villager coverage than drivers with accident claims.
  • Low Mileage Discounts – Low mileage vehicles could qualify for a substantially lower rate.
  • College Student – Kids in college who are attending college and do not have a car may qualify for this discount.
  • Homeowners Savings – Owning a home can save you money because owning a home requires personal responsibility.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Villager coverage with select insurance companies.

Consumers should know that many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because you may think adding up those discounts means a free policy, you won’t be that lucky.

Companies that may offer these money-saving discounts include:

  • GEICO
  • SAFECO
  • State Farm
  • MetLife
  • 21st Century
  • Progressive

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts may not be available in your state.

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Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. For example, these questions may help highlight if your insurance needs may require specific advice.

  • Why am I required to get a high-risk car insurance policy?
  • What is the difference between comprehensive and collision coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is a fancy paint job covered?
  • Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Coverage specifics

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages found on the average insurance policy.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills for things like chiropractic care, pain medications and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Coverage for collisions

This coverage covers damage to your Villager from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, sideswiping another vehicle, crashing into a building and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability coverage

Liability coverage protects you from damage that occurs to other’s property or people that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like repair costs for stationary objects, court costs, legal defense fees, medical expenses and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

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 damage to your Mercury Villager.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, hail damage, fire damage, hitting a bird and falling objects. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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