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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Looking for better car insurance rates for your Mercury Villager? Finding lower priced car insurance over the internet might appear rather challenging for drivers that are relatively new to comparing rates on the internet. Since there are so many companies competing online, how are drivers expected to have the ability to compare every company to locate the best price?

You should take the time to get comparison quotes as often as possible because car insurance prices tend to go up over time. Even if you got the lowest rates on Villager insurance last year there may be better deals available now. Forget anything you know (or think you know) about car insurance because I’m going to teach you the only way to reduce your cost while increasing coverage.

Find discounts on insurance

Some companies don’t necessarily list every policy discount in a way that’s easy to find, so the following is a list of some of the best known and the more hidden ways to save on insurance. If you do not check that you are getting every discount possible, you could be saving more on your insurance.

  • Telematics Devices – Drivers who elect to allow their insurance company to monitor when and where they use their vehicle by using a telematics device in their vehicle like Allstate’s Drivewise could save a few bucks if they are good drivers.
  • Buy New and Save – Insuring a vehicle that is new can get you a discount because newer models have to meet stringent safety requirements.
  • Good Driver Discount – Drivers who avoid accidents could pay up to 40% less on Villager insurance as compared to drivers with claims.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you could save over 10 percent off each policy depending on the company.
  • Good Students Pay Less – Maintaining excellent grades can save 20 to 25%. Most companies allow this discount until age 25.
  • Driver Safety – Taking time to complete a course in safe driver may get you a small discount and also improve your driving technique.
  • Senior Citizen Discount – Older drivers could receive a small decrease in premiums on Villager insurance.
  • Professional Memberships – Being a member of a professional or civic organization may earn a discount on your next insurance statement.
  • First Accident Forgiveness – This isn’t a discount exactly, but companies like Progressive and Allstate will turn a blind eye to one accident before raising your premiums if your claims history is clear for a set time period.
  • E-sign – Some larger companies will give you a small discount simply for signing online.

Just know that most credits do not apply to all coverage premiums. Some only reduce individual premiums such as liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A few of the larger companies and a selection of discounts can be read below.

  • 21st Century discounts include air bags, early bird, student driver, teen driver, 55 and older, good student, and automatic seat belts.
  • State Farm has savings for anti-theft, safe vehicle, defensive driving training, passive restraint, and student away at school.
  • AAA offers discounts for anti-theft, multi-car, pay-in-full, good driver, AAA membership discount, multi-policy, and education and occupation.
  • Liberty Mutual policyholders can earn discounts including exclusive group savings, new vehicle discount, multi-car, good student, safety features, hybrid vehicle, and multi-policy.
  • Progressive offers discounts including online signing, multi-policy, online quote discount, continuous coverage, good student, and homeowner.

If you are trying to find cheaper auto insurance quotes, ask all the companies what discounts are available to you. Depending on the company, some discounts may not apply to policyholders in every state. For a list of insurers that can offer you the previously mentioned discounts, click here to view.

The most recommended method to compare insurance rates from multiple companies is to know the trick all the major auto insurance companies participate in online systems to compare rate quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information such as whether you are single or married, the year, make and model of vehicles, your job, and if it has an anti-theft system. That information is then submitted to many highly-rated insurers and they return rate quotes within a short period of time.

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

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Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

For instance, these questions could help you determine whether or not you might need an agent’s assistance.

  • Am I covered when pulling a rental trailer?
  • Am I covered if I hit my neighbor’s mailbox?
  • Can I still get insurance after a DUI?
  • Can I get a multi-policy discount?
  • Do I pay less if my vehicle is kept in my garage?
  • When should I drop full coverage on my 2001 Mercury Villager?
  • Are rental cars covered under my policy?
  • Are there companies who specialize in insuring high-risk drivers?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Well known brands might not be cheapest

Well-known car insurance companies like Allstate and Progressive regularly use ads in print and on television. All the ads advertise the message of big savings just by switching your car insurance coverage to their company. How does each company give you a lower rate? It’s all in the wording.

Most companies require specific criteria for the right customer that earns them a profit. A good example of a desirable insured might be a female over age 40, has never had a claim, and drives a safe vehicle. Any new insured that meets those criteria may get the lowest premium rates and will probably save quite a bit of money when switching.

Potential customers who don’t measure up to those standards will probably be forced to pay higher prices which leads to business going elsewhere. The wording the ads use say “drivers who switch” not “everyone who quotes” save that much when switching. That’s why insurance companies can confidently lure you into getting a quote. Because each company has a different risk profile, you really need to compare quotes as often as possible. It is impossible to guess which company will fit you best based on your risk profile.

Specific coverages for a 2001 Mercury Villager

Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.


Liability coverage will cover injuries or damage you cause to people or other property in an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as funeral expenses, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for expenses like hospital visits, chiropractic care and ambulance fees. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

This will pay to fix damage to your Villager resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like scraping a guard rail, backing into a parked car, colliding with another moving vehicle, rolling your car and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive car insurance

This pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, hitting a deer, a tree branch falling on your vehicle, damage from a tornado or hurricane and falling objects. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mercury Villager.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

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

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Find Good Coverage for Less

In this article, we covered quite a bit of information on how to reduce 2001 Mercury Villager insurance car insurance rates online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Drivers may discover the lowest car insurance rates come from some of the lesser-known companies.

Cheap 2001 Mercury Villager insurance is possible both online in addition to many insurance agents, so get free auto insurance quotes from both of them so you have a total pricing picture. Some insurance companies may not provide price quotes online and these small insurance companies only sell coverage through independent insurance agents.

Drivers who switch companies do it for any number of reasons including denial of a claim, policy cancellation, delays in paying claims and even delays in responding to claim requests. No matter why you want to switch, choosing a new company can be easier than you think.

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