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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Finding cheaper insurance coverage quotes online could seem overwhelming since most people haven’t used online car insurance quotes. But keep reading because using the internet to shop for car insurance is actually quite easy.

You should take the time to get comparison quotes periodically because prices are adjusted regularly by insurance companies. If you had the best price for Villager insurance last year you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the fastest and easiest way to find the best coverage while lowering your premiums.

The best way to get policy rate comparisons is to understand car insurance companies participate in online systems to give you rate quotes. The only thing you need to do is give them rating details like if a SR-22 is needed, driver ages, deductibles desired, and whether you have decent credit. That rating data gets transmitted to insurance companies and they return quotes immediately.

Why you might not save $401 a year

Insurance coverage companies such as 21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. They all say the same thing about how much you will save if you switch to their company. How can each company say the same thing? It’s all in how they say it.

Insurance coverage companies quote their cheapest rates for the type of driver that makes them money. For example, this type of driver might be between the ages of 30 and 50, has never had a claim, and drives newer vehicles. Any new insured who matches those parameters will get low rates and have a good chance to pay quite a bit less when switching companies.

Consumers who do not match those criteria will have to pay higher prices which results in the customer buying from someone else. If you listen closely, the ads state “drivers who switch” but not “everyone who gets a quote” save the amount stated. That’s the way insurance companies can confidently state the savings. Because of this risk profiling, you really need to compare quotes as often as possible. It is impossible to predict which insurance coverage company will have the best rates for your profile.

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Affordable insurance rates with discounts

Companies don’t always list all their discounts very well, so the list below contains both well-publicized and also the more inconspicuous credits that may apply to you.

  • E-sign Discounts – A few insurance companies will give you a small discount simply for signing on the internet.
  • Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. The discount lasts up to age 25.
  • Include Life Insurance and Save – Insurance companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • ABS Brakes – Anti-lock brake equipped vehicles have fewer accidents and the ABS can save up to 10%.
  • Theft Prevention Discount – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen so companies will give you a small discount.

A quick disclaimer, most of the big mark downs will not be given to the entire policy premium. Some only apply to individual premiums such as liability and collision coverage. Despite the fact that it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

A few of the larger companies and their offered discounts are included below.

  • State Farm offers premium reductions for defensive driving training, driver’s education, Drive Safe & Save, multiple autos, good driver, anti-theft, and Steer Clear safe driver discount.
  • Farmers Insurance discounts include alternative fuel, pay in full, youthful driver, distant student, early shopping, and switch companies.
  • GEICO may have discounts that include seat belt use, federal employee, air bags, good student, emergency military deployment, defensive driver, and anti-theft.
  • American Family has savings for bundled insurance, accident-free, mySafetyValet, TimeAway discount, and defensive driver.
  • Nationwide may offer discounts for family plan, multi-policy, defensive driving, good student, Farm Bureau membership, anti-theft, and easy pay.
  • Progressive offers discounts including continuous coverage, multi-vehicle, online quote discount, homeowner, online signing, and good student.

Before purchasing a policy, check with each company which credits you are entitled to. Some discounts listed above may not be offered in your area. To see insurance companies that can offer you the previously mentioned discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions might point out whether or not you might need professional guidance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • How high should my medical payments coverage be?
  • How does medical payments coverage work?
  • How much can I save by bundling my policies?
  • What can I do if my company denied a claim?
  • I don’t drive much so do I pay less?
  • How can I get my company to pay me more for my totalled car?
  • Is my trailer covered?
  • If my pet gets injured in an accident are they covered?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage breakdown

Understanding the coverages of insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision coverage

This covers damage to your Villager caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a building, colliding with a tree, hitting a mailbox, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like rock chips in glass, hail damage, a broken windshield and hitting a bird. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense coverage

Med pay and PIP coverage reimburse you for immediate expenses like nursing services, ambulance fees and hospital visits. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mercury Villager.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.


This can cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as medical expenses, emergency aid, legal defense fees, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

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Be Smart and Buy Smart

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced collision coverage only to find out they didn’t purchase enough coverage. The aim is to find the BEST coverage at the best cost, but do not skimp to save money.

Insureds change insurance companies for any number of reasons including lack of trust in their agent, an unsatisfactory settlement offer, extreme rates for teen drivers and even delays in paying claims. It doesn’t matter why you want to switch finding a great new company is pretty simple and you could end up saving a buck or two.

Low-cost 2000 Mercury Villager insurance can be sourced on the web in addition to local insurance agencies, and you should compare rates from both so you have a total pricing picture. Some insurance companies may not have the ability to get a quote online and most of the time these smaller companies sell through independent insurance agencies.

More detailed auto insurance information can be read in these articles: