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Ford Contour Insurance Cost

Buying auto insurance through online rate quotes can be fast and easy and there is a good chance you will probably save money. The most important part is to compare rates from as many companies as possible so you can get the lowest rate quotes.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of online auto insurance companies and websites competing for your business. Lowering your Contour insurance rates can be surprisingly simple. You just need to take a few minutes comparing rates provided by online insurance companies. This can be accomplished by completing this short form.

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Insurance rates for your Ford Contour will vary greatly depending on several factors. Some of these factors include:

  • A clean driving record keeps rates low
  • Your credit history
  • Men typically pay more than women
  • Low deductibles cost more
  • Safety rating of your Contour
  • No claims lowers premiums
  • No coverage lapses saves money
  • Whether you own your home

One last important factor that helps determine the rate you pay on your Ford is the year of manufacture. New vehicles cost more so the cost to replace them will push premiums up. Conversely, more recent Ford vehicles may have options such as adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance so those may give discounted rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Auto liability

This coverage will cover damage that occurs to other's property or people in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision insurance

Collision insurance will pay to fix damage to your Ford resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance plan or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Ford Contour Insurance Rates?