2001 Mercury Villager Insurance Rates
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UPDATED: Apr 23, 2020
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Looking for better insurance rates for your Mercury Villager? Finding the cheapest insurance on the internet can seem to be problematic for consumers new to buying insurance on the web. With so many choices of insurance companies available, how can you possibly compare the different rates to find the lowest price?
It’s a good habit to compare rates periodically due to the fact that insurance rates are adjusted regularly by insurance companies. If you had the lowest rates on Villager insurance a few years ago you can probably find a lower rate today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the proper way to properly buy coverages while reducing your premium.
Do you qualify for discounts?
Properly insuring your vehicles can get expensive, but you may find discounts to help bring down the price. Certain discounts will be applied at the time of quoting, but a few must be specially asked for prior to receiving the credit.
- Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
- Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less on Villager insurance than less cautious drivers.
- Discount for Life Insurance – Larger companies have better rates if you take out life insurance.
- Multiple Vehicles – Buying coverage for multiple vehicles on the same insurance coverage policy can get a discount on all vehicles.
- Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of 20% or more.
Consumers should know that most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way. But any discount will bring down the cost of coverage.
Car insurance companies that may offer these money-saving discounts are:
Check with every prospective company what discounts are available to you. Savings might not be offered in every state.
Low Cost Auto Insurance
There are several ways to compare quotes and find the best price. The quickest method to compare 2001 Mercury Villager insurance prices is to get quotes online. This can be accomplished in several different ways.
- The fastest way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This easy form prevents you from having to do separate quotes for each company you want a rate for. A single form gets you price quotes direct from many companies. Recommended for those who want to invest the least amount of time.
- A slightly less efficient method to compare rate quotes requires you to visit each company website to complete their respective quote request forms. For examples sake, we’ll assume you want to compare GEICO, Safeco and Travelers. To find out each rate you need to take the time to go to each site to input your insurance information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
It doesn’t matter which method you choose, just ensure you are comparing identical coverages on every quote you get. If you enter mixed coverages 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. It’s important to know that comparing a large number of companies will improve the odds of getting the best offered rates.
Factors that can influence insurance rates for a Mercury Villager
It’s important that you understand some of the elements that help determine your insurance rates. Knowing what impacts premium levels enables informed choices that may reward you with lower insurance prices.
- Better credit means lower rates – Credit history is a important factor in determining your rates. So if your credit score is not that good, you could save money insuring your 2001 Mercury Villager by improving your credit score. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
- Rural vs Urban Areas – Choosing to live in small towns and rural areas can be a good thing when insuring your vehicles. Fewer people means a lower chance of having an accident and a lower car theft rate. Drivers in populated areas regularly have much more traffic to deal with and much longer commute distances. Higher commute times can result in more accidents.
- High numbers of claims are not good – If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Companies generally give cheaper rates to policyholders who are claim-free. Auto insurance is intended for larger claims.
- Men fork out a little more – Statistics show women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Both sexes tend to get into accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations such as reckless driving.
- Never let your coverage lapse – Letting your insurance expire is a sure-fire way to bump up your insurance costs. And not only will insurance be more expensive, getting caught without coverage will get you a steep fine or even jail time.
- Extra add-on coverages are wasting money – There are a lot of extra bells and whistles that you can get tricked into buying when buying insurance. Coverages for vanishing deductibles, accidental death and motor club memberships are some examples. These coverages may sound good at first, but if you don’t need them eliminate them to save money.
- Marriage pays dividends – Getting married actually saves money on your insurance policy. Having a spouse translates into being more mature and it’s proven that married drivers get in fewer accidents.
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Don’t assume everyone needs the same coverage
When it comes to buying adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.
For example, these questions can aid in determining whether your personal situation might need professional guidance.
- Should I get collision insurance on every vehicle?
- What is covered by UM/UIM coverage?
- Do I need medical payments coverage since I have good health insurance?
- Is a fancy paint job covered?
- Does liability extend to a camper or trailer?
- Do I have any recourse if my insurance company denies a claim?
- Will I lose any money if I cancel my policy before it expires?
- Where can I find high-risk insurance?
- What is an SR-22 filing?
- Is my babysitter covered when using my vehicle?
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form.
Insurance coverage basics
Understanding the coverages of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.
Collision coverage – Collision coverage covers damage to your Villager from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like colliding with another moving vehicle, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
Liability car insurance – This protects you from injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.
Liability can pay for claims such as legal defense fees, court costs and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.
Comprehensive auto coverage – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like damage from getting keyed, rock chips in glass, damage from flooding, theft and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Mercury Villager.
Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for surgery, X-ray expenses, rehabilitation expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible
One last thing
As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. There have been many situations where drivers have reduced full coverage only to find out they didn’t have enough coverage. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.
We’ve covered quite a bit of information on how to lower your 2001 Mercury Villager insurance rates. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. Consumers may even find the lowest priced insurance coverage comes from a smaller regional carrier.
People change insurance companies for a variety of reasons including delays in responding to claim requests, high prices, high rates after DUI convictions or even unfair underwriting practices. Regardless of your reason, switching insurance coverage companies is not as hard as you think.
Additional information is located at the links below
- Neck Injury FAQ (iihs.org)
- Distracted Driving Extends Beyond Texting (State Farm)
- Driving in Bad Weather (Insurance Information Insitute)
- Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
- What if I Can’t Find Coverage? (Insurance Information Insitute)
- Credit and Insurance Scores (Insurance Information Insitute)
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