View 2000 Mercury Villager Insurance Rates

Looking for lower insurance rates for your Mercury Villager? Are you overwhelmed by the wide range of insurance sources available to you? Lot’s of other drivers are too. Vehicle owners have so many sources to choose from that it can easily turn into a chore to compare insurance rates.

Consumers should take time to do rate comparisons periodically due to the fact that insurance prices are rarely the same from one policy term to another. Even if you think you had the best rates for Villager insurance a year ago the chances are good that you can find a lower premium rate today. You can find a lot of misleading information regarding insurance on the web, but I’m going to show you some of the best ways to slash your insurance rates.

Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. But consumers must understand the way companies market on the web and apply this information to your search.

You can change your insurance premiums

Many factors are used in the calculation when quoting car insurance. Some factors are common sense like an MVR report, but some are not quite as obvious such as your credit history or your financial responsibility.When buying car insurance it’s important to understand some of the things that go into determining your car insurance rates. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that can earn you lower premium levels.

• GPS tracking and theft deterrents lower prices – Buying a car that has a built-in theft deterrent system can save you some money. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
• Experienced drivers pay less – Inexperience drivers tend to be less responsible when behind the wheel so they pay higher car insurance rates. Parents adding a youthful driver to your policy can really hurt. Older people have been proven to be more responsible, are lower risk to insure , and usually have better credit.
• Physical damage deductibles – The deductibles you choose define how much you are required to spend if you file a covered claim. Insurance for physical damage to your car, also called comprehensive and collision insurance, covers damage that occurs to your car. Some examples of claims that would be covered could be collision with another vehicle, animal collisions, or theft of your vehicle. The more you have to pay, the less your company will charge you for insurance for Villager insurance.
• Multiple policies with one company – Some insurers give lower prices to clients that buy multiple policies such as combining an auto and homeowners policy. The amount of the discounts can be ten or even fifteen percent. Even if you already get this discount, it’s still a good idea to compare other insurance prices to guarantee you are still saving the most. Consumers may find lower rates by buying car insurance from a different company.

Find hidden discounts on insurance coverage

Auto insurance companies don’t list every possible discount very well, so we researched a few of the more well known as well as some of the hidden credits available to bring down your rates.

• Employee of Federal Government – Employees or retirees of the government may reduce rates when you quote auto insurance for Villager insurance with certain companies.
• Discount for Life Insurance – Some insurance coverage companies give a break if you buy a life insurance policy as well.
• Fewer Miles Equal More Savings – Fewer annual miles on your Mercury can qualify you for better prices on cars that stay parked.
• ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
• Distant College Student Discount – College-age children who are enrolled in higher education away from home and won’t have access to an insured vehicle can be insured at a reduced rate.
• Home Ownership Discount – Owning a house can help you save on insurance coverage due to the fact that maintaining a home is proof that your finances are in order.
• Early Signing – Select larger companies give a discount for switching policies prior to your current policy expiration. It’s a savings of about 10%.
• Use Seat Belts – Drivers who require all occupants to fasten their seat belts could cut 10% or more on medical payment and PIP coverage.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will bring down your overall premium however.

A few of the larger companies and some of their more popular discounts are shown below.

• Geico has savings for military active duty, seat belt use, daytime running lights, five-year accident-free, and defensive driver.
• MetLife policyholders can earn discounts including defensive driver, good student, good driver, multi-policy, claim-free, accident-free
• State Farm may offer discounts for Drive Safe & Save, defensive driving training, Steer Clear safe driver discount, accident-free, anti-theft, multiple autos, and driver’s education.
• Progressive offers discounts for multi-policy, good student, homeowner, continuous coverage, online signing, online quote discount, and multi-vehicle.
• Mercury Insurance includes discounts for anti-theft, annual mileage, good student, low natural disaster claims, and age of vehicle.
• 21st Century has discounts for homeowners, teen driver, theft prevention, driver training, anti-lock brakes, defensive driver, and air bags.
• Allstate discounts include EZ pay plan discount, anti-theft, premier discount, premier plus, auto/life discount, and good payer.

When getting free auto insurance quotes, it’s a good idea to every insurance company to apply every possible discount. Some discounts might not be available to policyholders in your state.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions may help highlight if your situation would benefit from professional advice.

• Can I rent a car in Mexico?
• Is motorclub coverage worth it?
• Am I covered when driving on a suspended license?
• Am I covered if I crash into my own garage door?
• Is business equipment covered while in my vehicle?
• What companies insure drivers after a DUI or DWI?
• Is my camper covered by my car insurance policy?
• Do I need PIP (personal injury protection) coverage in my state?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form.

Specific coverages for a Mercury Villager

Understanding the coverages of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Collision coverage

Collision insurance covers damage to your Villager resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like sideswiping another vehicle, crashing into a building, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses such as pain medications, prosthetic devices and surgery. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like legal defense fees, structural damage, pain and suffering, medical expenses and repair costs for stationary objects. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from 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 such as rock chips in glass, hitting a bird, theft, damage from flooding and a broken windshield. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2000 Mercury Villager.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Feed the piggy bank

When getting auto insurance quotes online, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, someone dropped full coverage only to regret at claim time that it was a big error on their part. Your focus should be to buy the best coverage you can find at a price you can afford but still have enough coverage for asset protection.

More affordable auto insurance is possible on the web as well as from independent agents, and you need to price shop both to get a complete price analysis. Some companies may not have internet price quotes and most of the time these regional insurance providers provide coverage only through local independent agents.

Consumers switch companies for a number of reasons such as policy non-renewal, policy cancellation, questionable increases in premium or high prices. Regardless of your reason for switching companies, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

More information

• How do I File a Claim? (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• Prom Night Tips for Teen Drivers (State Farm)
• Distracted Driving (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)
• Preventing Carjacking and Theft (Insurance Information Insitute)