Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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It’s all about you. We want to help you make the right coverage choices.

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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Want the cheapest car insurance rates for your Mercury Villager? Saving money on Driverscar insurance can be difficult for people not familiar with online rate comparisons. With such a large choice of companies competing online, it can quickly become a chore to compare prices.

Consumers should take time to do price comparisons once or twice a year since prices go up and down regularly. Despite the fact that you may have had the best price on Villager coverage a couple years back you will most likely find a better rate quote today. You can find a lot of information about car insurance online but I’m going to show you some tested techniques to save money.

If you currently have car insurance, you should be able to lower your premiums substantially using these methods. Locating the best coverage is not that difficult. Nevertheless, consumers should learn how the larger insurance companies determine prices and take advantage of how the system works.

Take advantage of every insurance discount

Some insurance providers don’t list all disounts in an easy-to-find place, so the list below gives a summary of some of the best known and the more hidden discounts that you may qualify for.

  • Distant Student Discount – who are enrolled in higher education away from home and don’t have a car can be insured at a reduced rate.
  • Discount for Swiching Early – A few companies give discounts for renewing your policy prior to your current policy expiration. This can save 10% or more.
  • Multi-car Discount – Insuring several vehicles with the same company can get a discount on all vehicles.
  • Passive Restraints – Cars that have air bags can get savings up to 30%.
  • Discounts for Safe Drivers – Insureds without accidents can save as much as half off their rates on Villager coverage than drivers with accident claims.
  • ABS Brakes – Cars that have anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Defensive Driving Course – Participating in a course that instructs on driving safety could cut 5% off your bill depending on where you live.

Consumers should know that most discount credits are not given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, you aren’t that lucky.

Auto insurance companies that may have many of the previously listed discounts possibly include:

When getting free insurance coverage quotes, it’s a good idea to every prospective company how you can save money. All car insurance discounts might not be available to policyholders in your area.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Compare auto insurance rates

Comparing auto insurance rates can take time and effort if you don’t know the best way to get rate quotes. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could use the internet to accomplish the same thing much quicker.

Most of the best insurance companies belong to a marketplace where insurance shoppers complete one form, and each participating company returns a competitive quote based on that information. This system prevents you from having to do quote requests for every auto insurance company.

To fill out one form to compare multiple rates now click here to start a free quote.

The only downside to getting quotes like this is you are unable to specify the insurers to receive prices from. So if you prefer to choose individual companies to request quotes from, we have a listing of auto insurance companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but make sure you are using equivalent coverage information on every price quote you get. If you have differing limits it’s impossible to determine the lowest rate for your Mercury Villager. Having just a slight variation in insurance coverages can make a big difference in price. And when price shopping your coverage, comparing a large number of companies increases the change that you will find the best rates.

How to know if you need help

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

For example, these questions might point out if your situation might need professional guidance.

  • Does coverage extend to Mexico or Canada?
  • When would I need rental car insurance?
  • Does coverage extend to my business vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I get collision insurance on every vehicle?
  • Do I need roadside assistance coverage?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverages 101

Knowing the specifics of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

UM/UIM 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 also any damage incurred to your Mercury Villager.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Auto liability insurance

This provides protection from injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like pain and suffering, repair bills for other people’s vehicles, medical services, court costs and repair costs for stationary objects. How much coverage you buy is your choice, but buy as large an amount as possible.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like damaging your car on a curb, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for expenses such as surgery, funeral costs and dental work. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, a broken windshield and falling objects. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Saving money makes a lot of cents

When you buy insurance coverage online, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed liability coverage limits only to discover later they didn’t purchase enough coverage. Your focus should be to buy enough coverage for the lowest price while still protecting your assets.

Lower-priced 1998 Mercury Villager insurance can be bought online and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not provide online price quotes and usually these regional carriers only sell through independent agents.

Consumers who switch companies do it for a variety of reasons including high prices, not issuing a premium refund, questionable increases in premium and even poor customer service. Regardless of your reason, finding a new company is easier than you think.

Additional detailed information can be read at these sites: