Cheaper 1995 Ford Contour Insurance Rates

Searching for lower auto insurance rates? Consumers have lots of choices when looking for affordable Ford Contour insurance. They can either waste time struggling with agents to compare prices or save time using the internet to get rate quotes. There are more efficient ways to find auto insurance online so you’re going to learn the best way to compare rates for a Ford and locate the best price possible from both online companies and local agents.

How to Compare Insurance Coverage Rates

There are a lot of ways you can shop for insurance coverage and some are easier and takes less work. You could waste time driving to local insurance agents in your area, or you could use the web to get rates in a matter of minutes.

Many of the larger companies take part in a program where insurance shoppers submit their information once, and each company returns a competitive quote. This system prevents you from having to do quote forms for each company.

To compare pricing click here to start a free quote.

The one disadvantage to using this type of system is you cannot specify the companies you want to price. If you would rather choose specific providers to compare rates, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

Whichever method you choose, make sure you use apples-to-apples information for each price quote. If your comparisons have mixed coverages it’s impossible to make a fair comparison for your Ford Contour.

Is there deception in advertising?

Consumers can’t get away from ads for car insurance savings by Progressive, Allstate and Geico. They all seem to say the same thing that you can save after switching to their company.

How does each company make the same claim?

All companies can use profiling for the type of customer that makes them money. For instance, a profitable customer might be between 25 and 40, a clean driving record, and drives less than 7,500 miles a year. Any driver who meets those qualifications receives the best rates and most likely will save when switching.

Potential insureds who don’t qualify for these standards must pay higher prices which usually ends up with business not being written. The ads state “customers who switch” not “everybody who quotes” save that kind of money. That’s why companies can truthfully claim big savings. This illustrates why you absolutely need to get as many quotes as possible. You cannot predict the company that will have the lowest Ford Contour insurance rates.

Take discounts and save

Companies that sell car insurance don’t always list all their discounts very well, so here is a list both the well known and the more hidden savings tricks you should be using. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Driver Safety – Successfully completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Sign Online – A few companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • No Claims – Good drivers with no accidents pay much less when compared to frequent claim filers.
  • Senior Citizens – Older drivers may be able to get a discount up to 10% for Contour coverage.
  • Seat Belt Usage – Requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.

Keep in mind that most discount credits are not given the the whole policy. Most only apply to individual premiums such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.

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

Which policy gives me the best coverage?

When buying adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Every situation is different.

For example, these questions might help in determining if you may require specific advice.

  • Do I have coverage when making deliveries for my home business?
  • Should I have a commercial auto policy?
  • Do I need rental car coverage?
  • What is medical payments coverage?
  • Does medical payments coverage apply to all occupants?
  • How can I find cheaper teen driver insurance?
  • Is my Ford Contour covered if I use it for business?
  • Is my custom paint covered by insurance?
  • How do I file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Auto insurance coverage information

Having a good grasp of auto insurance aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision insurance

Collision coverage will pay to fix damage to your Contour resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a building, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Contour.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses for things like doctor visits, surgery, dental work, EMT expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability insurance

Liability insurance can cover damages or injuries you inflict on a person or their property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

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

Liability can pay for things such as funeral expenses, bail bonds and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, damage from flooding and hail damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Be Smart and Buy Smart

In this article, we presented many ideas to lower your 1995 Ford Contour insurance rates. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the best price on car insurance is with some of the lesser-known companies.

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced uninsured motorist or liability limits and learned later that it was a big error on their part. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Drivers leave their current company for many reasons like not issuing a premium refund, unfair underwriting practices, policy cancellation and even delays in responding to claim requests. Regardless of your reason, choosing a new insurance company is easier than you think.

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