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: Jul 4, 2018

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Are you tired of wondering where the money will come from to insure your Mercury every month? You’re in the same situation as most other people. Many insurers vie for your hard-earned dollar, so it’s not easy to compare every company to find the best rate

Consumers should take time to quote other rates at least once a year since insurance prices trend upward over time. Even if you got the best deal on Villager insurance last year you will most likely find a better rate today. Block out anything you think you know about insurance coverage because you’re about to learn the tricks you need to know to eliminate unnecessary coverages and save money.

The quickest method we recommend to compare insurance rates from multiple companies is to realize most of the bigger providers provide online access to provide you with free rate quotes. All consumers are required to do is take a few minutes to give details such as if you have a valid license, your general credit rating, if you require a SR-22, and whether your vehicle is owned or leased. That rating data is instantly provided to multiple different insurance companies and you should receive rate quotes instantly to find the best rate.

To find lower rates now, click here then complete the form.

But the ad said I’d save 15% in 15 minutes!

Consumers can’t get away from all the ads that promise big savings by companies like 21st Century, Allstate and State Farm. They all make the same claim about how much you will save if you just switch your coverage.

How does every insurance coverage company make the same claim? You have to listen carefully.

Insurance coverage companies are able to cherry pick for a prospective insured that earns them the highest profit. For example, this type of risk profile may need to be a female over age 40, has had continuous coverage, and does not commute to work. Any person who fits that profile will get low car insurance rates as well as save quite a bit of money when switching.

Potential insureds who do not meet the “perfect” profile will be quoted a higher premium and this can result in the customer buying from someone else. If you pay attention, the ads say “customers who switch” but not “all drivers who get quotes” save that much money. That is how insurance companies can make those claims. This emphasizes why it’s extremely important to do a quote comparison often. It’s just too difficult to predict which company will give you lower rates than your current company.

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

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Mercury Villager insurance rates can be lower

Lots of things are taken into consideration when pricing auto insurance. Some factors are common sense like your driving record, although some other factors are not quite as obvious such as your credit history or your commute time.It’s important that you understand some of the factors that help determine your auto insurance rates. If you have some idea of what influences your rates, this allows you to make educated decisions that could result in much lower annual insurance costs.

  • Lower rates come with age – Older people are more responsible, cause fewer claims and accidents and receive fewer citations.Teen drivers tend to be more careless when behind the wheel so auto insurance rates are higher.
  • Do you really need roadside assistance? – There are quite a few extra coverages that you can buy but may not be useful. Coverages like replacement cost coverage, towing, and term life insurance may be costing you every month. They may seem good when buying your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • Better auto insurance rates on safer cars – Vehicles with high crash test scores tend to be cheaper to insure. The safest vehicles result in less severe injuries and better occupant protection translates directly to fewer claims which can mean better rates for you. If your Mercury has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Claim-free discounts can add up – If you are a frequent claim filer, you shouldn’t be surprised to get higher premiums or even policy non-renewal. Auto insurance companies provide cheaper rates to people who are claim-free. Auto insurance is intended for more catestrophic claims.
  • No auto insurance gaps is important – Not maintaining insurance is a misdemeanor and you will pay a penalty because you let your coverage cancel without a new policy in place. Not only will you pay more, the inability to provide proof of insurance could earn you a license revocation or jail time.
  • Pleasure use saves money – Driving more miles in a year the more you’ll pay to insure it. Most companies rate vehicles partially by how you use the vehicle. Cars and trucks that are left in the garage get more affordable rates compared to those used for work or business. It’s a good idea to make sure your declarations sheet reflects annual mileage. An incorrectly rated Villager is just wasting money.
  • Increase deductibles and save – Insurance for physical damage to your car, also called comprehensive and collision insurance, covers your vehicle from damage. A few examples of covered claims are collision with another vehicle, flood damage, and burglary. The deductibles are the amount of money you are required to spend out-of-pocket before your auto insurance pays a claim. The more money the insured is willing to pay, the better rate you will receive on Villager insurance.
  • Your gender affects premiums – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. Males and females are responsible for fender benders in similar percentages, but the men have accidents that have higher claims. Men also tend to receive more costly citations like driving under the influence (DUI). Male teenagers generally have the highest accident percentage so they pay the highest premiums.

These discounts can cut insurance coverage rates

Insurance coverage is not cheap nor is it fun to buy but there are discounts available that could drop your premiums quite a bit. A few discounts will automatically apply when you complete an application, but some may not be applied and must be manually applied prior to receiving the credit.

  • Good Students Pay Less – This discount can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Mature Driver Discount – If you qualify as a senior citizen, you are able to get a small decrease in premiums on Villager insurance.
  • Multiple Vehicles – Buying coverage for multiple cars on the same insurance coverage policy can reduce rates for all insured vehicles.
  • Service Members Pay Less – Having a deployed family member could mean lower rates.
  • Driver Safety – Taking a defensive driver class could earn you a small percentage discount if your company offers it.

A quick disclaimer, most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

For a list of insurance companies with discount insurance coverage rates, click here to view.

When do I need an agent’s advice?

When it comes to choosing adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For example, these questions could help you determine if your situation would benefit from professional advice.

  • Does my policy cover my teen driver if they drive my company car?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What can I do if my company won’t pay a claim?
  • Does coverage extend to a rental car in a foreign country?
  • Will I lose any money if I cancel my policy before it expires?
  • Does my 2002 Mercury Villager qualify for pleasure use?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I sign the liability waiver when renting a car?
  • How much liability coverage do I need in my state?
  • Who is covered when they drive my 2002 Mercury Villager?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

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

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Insurance coverage basics

Learning about specific coverages of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.

Liability car insurance

This can cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims such as structural damage, legal defense fees, medical expenses, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

UM/UIM Coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Mercury Villager.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, damage from flooding, damage from a tornado or hurricane and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills for pain medications, dental work, funeral costs, prosthetic devices and X-ray expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

This pays for damage to your Villager resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, crashing into a ditch, hitting a mailbox, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Don’t break the bank

Some insurance companies do not offer rate quotes online and many times these smaller providers work with independent agencies. More affordable car insurance can be sourced from both online companies in addition to many insurance agents, and you should compare rates from both to have the best rate selection.

In this article, we presented a lot of techniques to save on 2002 Mercury Villager insurance. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting low cost auto insurance. Drivers may discover the biggest savings come from a small mutual company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.

Even more information is located by following these links: