2002 Mercury Villager Car Insurance Rates

Are you tired of being strong-armed each month for car insurance? You’re in the same situation as millions of other consumers. You have so many insurers to pick from, and although it’s nice to be able to choose, lots of choices makes it harder to get the best deal.

It’s important to compare rates on a regular basis due to the fact that insurance rates trend upward over time. If you had the lowest rates for Villager coverage two years ago you may be paying too much now. There is too much inaccurate information about insurance online, so we’re going to give you some solid techniques on how to stop overpaying for insurance.

The quickest method we recommend to compare car insurance rates takes advantage of the fact most of the larger companies will pay a fee to give free rates quotes. All you need to do is provide the companies a bit of rating information such as deductibles desired, if a SR-22 is needed, if you have a valid license, and if you’re married. Your rating data is instantly sent to multiple top-rated companies and they return cost estimate immediately.

Your Mercury Villager insurance rate is a complex equation

It’s important that you understand some of the elements that play a part in calculating your auto insurance rates. Knowing what impacts premium levels enables informed choices that may reward you with better auto insurance rates.

Shown below are some of the items auto insurance companies consider when setting rates.

  • Older drivers pay less – Teen drivers are known to be more careless behind the wheel so auto insurance rates are higher. If you’ve ever had to add a teen driver onto a policy can break the bank. Older drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel.
  • Men are more aggressive – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Men and women are in accidents in similar numbers, but the males cause more damage. They also receive more costly citations such as reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Liability coverage is peace of mind – Liability insurance is the coverage that protects you if you are found liable for damages from an accident. It provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.
  • Lower rates with optional equipment – Owning a car with a theft deterrent system can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
  • Your credit rating is important – Your credit history is a huge factor in calculating your auto insurance rates. If your credit rating is not that good, you could potentially save money when insuring your 2002 Mercury Villager by spending a little time repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with lower credit scores.
  • Your occupation can affect rates – Careers like lawyers, executives and financial analysts have higher average rates because of stressful work requirements and long work days. Conversely, professions such as farmers, engineers and retirees get better rates for Villager coverage.

Pay less by taking advantage of discounts

Companies that sell car insurance don’t necessarily list every available discount in a way that’s easy to find, so we took the time to find some of the best known and the harder-to-find ways to save on auto insurance. If you aren’t receiving every discount possible, you are throwing money away.

  • No Accidents – Good drivers with no accidents can save substantially compared to accident-prone drivers.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Villager coverage than drivers with accident claims.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for better auto insurance rates for Villager coverage.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • College Student – Children living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Sign Online – A handful of insurance companies may give you up to $50 simply for signing online.

Keep in mind that many deductions do not apply the the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, it doesn’t quite work that way.

For a list of insurers offering auto insurance discounts, click this link.

Your coverage should be tailored to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different so this has to be addressed. For example, these questions may help highlight whether you might need an agent’s assistance.

  • Am I covered when pulling a rental trailer?
  • Do I really need UM/UIM coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my camper covered by my car insurance policy?
  • Am I getting all the discounts available?
  • Are all vehicle passengers covered by medical payments coverage?
  • Can my teen drive my company car?
  • Who is covered by my policy?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

Coverage specifics

Knowing the specifics of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages available from car insurance companies.

Uninsured and underinsured coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your 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. So UM/UIM coverage is very important.

Comprehensive coverages

This pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, theft and hail damage. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like nursing services, chiropractic care, hospital visits and funeral costs. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability insurance can cover damages or injuries you inflict on people or other property in an accident. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things such as court costs, pain and suffering, funeral expenses, bail bonds and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with another moving vehicle, driving through your garage door, colliding with a tree and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Be Smart and Buy Smart

Cheaper 2002 Mercury Villager insurance can be purchased on the web and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

More detailed car insurance information can be read in the articles below: