2000 Mercury Villager Insurance Cost – 9 Tips to Save

Searching for low-cost insurance for a new or used Mercury Villager could be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to buy car insurance so we’re going to tell you the quickest way to compare rates on a Mercury and locate the lowest possible price.

Buying car insurance is easy if you know what you’re doing. If you have insurance now or are shopping for new coverage, you can follow these tips to cut your premiums and possibly find even better coverage. Vehicle owners only need an understanding of how to find the lowest price on the web.

Affordable insurance rate quotes online

Cutting your insurance rates is a fairly straight forward process. The only thing you need to do is invest a little time comparing price quotes to see which company has inexpensive car insurance quotes. Price comparisons can be done by following the guidelines below.

  1. The fastest and easiest way consumers can analyze rates is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do separate quotation requests for each company you want a rate for. Completing one form gets you coverage quotes from all major companies. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to find more affordable insurance is going to each company’s website and request a quote. For sake of this example, we’ll assume you want rates from Allstate, Liberty Mutual and Farmers. To do that, you would have to spend time on each company’s site and type in your information over and over, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

Take whichever approach you prefer, but be certain you are entering exactly the same coverage information for each comparison quote. If you use different limits and deductibles on each one it will be impossible to determine which company has the best rates.

Beware of misleading auto insurance ads

Consumers can’t escape the ads that promise big savings for switching by companies like Progressive, GEICO, Allstate and State Farm. All the companies make an identical promise of big savings if you just switch your policy.

It sounds good, but how can they all have lower policy pricing? Here is how they do it.

Companies have an ideal profile for the type of driver that earns them a profit. One example of a driver they prefer might be over the age of 50, has no driving citations, and has excellent credit. A propective insured who fits that profile will most likely get cheap rates as well as save when they switch companies.

Potential customers who don’t meet these criteria may be required to pay higher premiums and the customer buying from someone else. If you listen to the ad wording, they say “people that switch” not “everyone who quotes” save that kind of money. That is how companies can truthfully advertise the savings. Because of the profiling, you really should compare quotes as often as possible. Because you never know the company that will provide you with the cheapest prices.

Discount car insurance rates

Some companies do not advertise all possible discounts very well, so we researched a few of the more common as well as the least known credits available to lower your premiums when you buy car insurance online.

  • ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Responsible Driver Discount – Insureds without accidents may save up to 50% more for Villager coverage than their less cautious counterparts.
  • Passive Restraints – Vehicles with factory air bags can get savings of 20% or more.
  • E-sign Discounts – A handful of insurance companies will give a small break for signing up digitally online.
  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% for Villager coverage but check with your company.
  • Distant College Student Discount – Any of your kids who are attending college and do not have a car could get you a discount.
  • Accident Waiver – Not a discount per se, but certain companies may permit one accident before hitting you with a surcharge so long as you haven’t had any claims prior to being involved in the accident.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up can save up to 15% on the medical payments or PIP coverage costs.
  • Safety Course Discount – Successfully completing a defensive driving course could save 5% or more and easily recoup the cost of the course.

A quick disclaimer, many deductions do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Companies and their possible discounts include:

  • GEICO discounts include anti-lock brakes, daytime running lights, multi-vehicle, multi-policy, military active duty, and defensive driver.
  • MetLife offers premium reductions for claim-free, good student, accident-free, defensive driver, multi-policy, and good driver.
  • State Farm offers discounts for driver’s education, multiple policy, passive restraint, accident-free, defensive driving training, multiple autos, and student away at school.
  • Progressive may offer discounts for online signing, multi-vehicle, continuous coverage, homeowner, and online quote discount.
  • Mercury Insurance policyholders can earn discounts including anti-theft, accident-free, multi-car, low natural disaster claims, and good student.
  • 21st Century may have discounts that include defensive driver, driver training, good student, anti-lock brakes, student driver, and teen driver.
  • Allstate offers discounts including teenSMART discount, senior citizen, auto/life discount, eSmart discount, defensive driver, good payer, and new car.

Double check with each company which discounts you may be entitled to. A few discounts might not be available to policyholders in your state. To view providers that can offer you the previously mentioned discounts, click here.

Tailor your car insurance coverage to you

When buying adequate coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether your personal situation might need an agent’s assistance.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I buy only the required minimum liability coverage?
  • Do I need higher collision deductibles?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is a fancy paint job covered?
  • What if I total my 2000 Mercury Villager and owe more than it’s worth?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Mercury Villager.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills for pain medications, chiropractic care, ambulance fees and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Liability car insurance

Liability insurance will cover injuries or damage you cause to a person or their property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like funeral expenses, emergency aid, medical services, medical expenses and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

This coverage covers damage to your Villager resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sideswiping another vehicle, driving through your garage door, colliding with a tree and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive protection

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, theft and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Do the work, save more money

When getting car insurance quotes online, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.

Discount 2000 Mercury Villager insurance can be purchased online and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some auto insurance companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through local independent agents.

In this article, we covered many ideas to get a better price on 2000 Mercury Villager insurance. It’s most important to understand that the more companies you get car insurance rates for, the better likelihood of getting inexpensive car insurance. You may even discover the most savings is with a company that doesn’t do a lot of advertising.

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