Save on 1998 Ford Contour SVT Insurance Cost

Tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as the majority of other car owners.

With so many insurance companies to choose from, it can be hard to choose the most affordable provider.

How to Compare Auto Insurance

Most major insurance companies such as Allstate, Geico and Progressive quote pricing on the web. The process is quite easy as you simply type in your personal and coverage information as detailed in the form. After the form is submitted, their system automatically retrieves information on your driving record and credit history and generates pricing information based on these factors. Being able to quote online simplifies rate comparisons, but the process of having to visit several different sites and fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to perform this step in order to find better auto insurance pricing.

There is a better way to compare rates

The smarter way to find cheaper rates uses one simple form to return rates from many companies. It’s a real time-saver, eliminates form submissions, and makes rate comparisons much easier to do. As soon as the form is sent, it is quoted and you are able to buy your choice of the quotes returned.

If a lower price is quoted, you can click and sign and purchase the new policy. It takes 15 minutes at the most and you will know how your current rates stack up.

To use this form to compare rates, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend that you enter the limits and deductibles exactly as shown on your declarations page. Doing this assures you’re receiving a price comparison based on the exact same insurance coverage.

Take advantage of discounts

Car insurance is not cheap, but companies offer discounts that you may not know about. Most are applied when you get a quote, but a few must be asked about prior to receiving the credit.

  • Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • Memberships – Belonging to certain professional organizations could trigger savings on your policy on Contour SVT coverage.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Accident Waiver – Some insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most only cut the price of certain insurance coverages like medical payments or collision. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will reduce the cost of coverage.

Companies that may have these money-saving discounts may include but are not limited to:

Before buying, ask each company what discounts are available to you. Discounts might not be offered everywhere.

How to know if you need help

When it comes to choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. For example, these questions may help you determine if you will benefit from professional help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • How high should my medical payments coverage be?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What happens if I owe more than my 1998 Ford Contour SVT is worth?
  • Should I rate my 1998 Ford Contour SVT as pleasure use or commute?
  • Where can I find DUI or SR-22 insurance?
  • Are my friends covered when driving my car?
  • When should I drop full coverage on my 1998 Ford Contour SVT?
  • Who is covered when they drive my 1998 Ford Contour SVT?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverages for a 1998 Ford Contour SVT

Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by auto insurance companies.

Liability car insurance

This coverage can cover injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has 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 values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as legal defense fees, attorney fees and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Contour SVT.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a ditch, crashing into a building, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive protection

This coverage pays for 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 pays for things such as damage from flooding, fire damage and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Med pay and PIP coverage kick in for immediate expenses such as surgery, chiropractic care, pain medications, funeral costs and hospital visits. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay