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2002 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: Apr 23, 2020

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Are you sick and tired of trying to scrape together enough money to pay your car insurance bill each month? You’re in the same situation as millions of other consumers.

Lots of car insurance companies contend for your insurance dollar, and it can be difficult to compare rates to discover the definitive lowest price

It’s a good habit to get comparison quotes every six months because rates are variable and change quite frequently. Just because you found the lowest rates on Villager coverage two years ago you can probably find a better price now. Block out anything you think you know about car insurance because you’re about to learn the right way to buy cheaper car insurance.

These factors can influence what you pay for Mercury Villager insurance

It’s important that you understand the different types of things that come into play when calculating your insurance rates. Understanding what determines base rates helps enable you to make changes that can help you get big savings.

The list below includes a few of the “ingredients” that factor into your rates.

  • Bundling policies can get discounts – Some insurance companies provide better rates to people who buy several policies from them. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even if you’re getting this discount it’s in your best interest to comparison shop to confirm you are receiving the best rates possible. Drivers may still find better rates by insuring with multiple companies.
  • High numbers of claims are not good – If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Insurance companies award lower rates to people who file claims infrequently. Your insurance policy is intended for major claims that would cause financial hardship.
  • Bump up deductibles to save – Your deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims are running into the backend of another car, damage from fire, and windstorm damage. The more money you’re willing to pay, the less your company will charge you for insurance on Villager coverage.
  • Lower rates with optional equipment – Owning a car with an alarm system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your vehicle from being stolen.

The method we recommend to compare rates takes advantage of the fact most of the larger companies will pay a fee to give free rates quotes. The one thing you need to do is provide information such as which vehicles you own, your occupation, your general credit rating, and if it has an alarm system. That information is then submitted to many highly-rated insurers and they provide comparison quotes with very little delay.

To start a rate quote now, click here and enter your coverage details.

Discounts are available to cut your rates

Companies offering auto insurance do not advertise all their discounts in an easy-to-find place, so we researched some of the best known and the more hidden ways to save on insurance coverage.

  • Accident Forgiveness – Some insurance companies allow you one accident before your rates go up if your claims history is clear prior to the accident.
  • Resident Student – Kids in college who live away from home and do not have a car can receive lower rates.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can receive discounts of more than 20%.

Consumers should know that some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.

A partial list of companies who might offer these benefits are:

Double check with each company which discounts they offer. Discounts might not be offered in your area.

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Everyone needs different coverages

When it comes to buying coverage, there really is no best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that could help you determine if your situation might need professional guidance.

  • Do I have coverage when using my vehicle for my home business?
  • Do I need more liability coverage?
  • Where can I get insurance after a DUI in my state?
  • Does my liability insurance cover pulling a trailer or camper?
  • When should I buy a commercial auto policy?
  • What companies insure drivers after a DUI or DWI?
  • Which companies will insure high-risk drivers?
  • What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Insurance coverage specifics

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by insurance companies.

Coverage for medical payments

Med pay and PIP coverage kick in for short-term medical expenses like hospital visits, EMT expenses, funeral costs and prosthetic devices. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Collision coverage

This coverage will pay to fix damage to your Villager resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as damaging your car on a curb, crashing into a ditch, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Liability insurance

This coverage provides protection from damage that occurs to a person or their property that is your fault. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability coverage pays for things like attorney fees, structural damage, emergency aid and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Comprehensive coverages

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, theft, vandalism, falling objects and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mercury Villager.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Shop around and save

Discount 2002 Mercury Villager insurance can be purchased online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some insurance providers may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

When shopping online for auto insurance, never buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at the best price.

For more information, link through to the following helpful articles:

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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