Lower Your 1994 Ford Aspire Insurance Rates

Comparison shopping for more affordable auto insurance could be quite difficult for beginners to shopping for insurance online. With literally dozens of companies in the marketplace, it can be a real hassle to find the perfect company for you.

It’s a great practice to do price comparisons occasionally because auto insurance rates tend to go up over time. Just because you found the lowest rate for Aspire insurance at your last renewal there is a good chance you can find better prices now. Ignore everything you know about auto insurance because we’re going to demonstrate the proper way to eliminate unnecessary coverages and save money.

Buy car insurance online

Comparing car insurance rates can take hours if you don’t know the most efficient way. You could waste a few hours talking about coverages with local insurance agents in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Most car insurance companies participate in a marketplace where insurance shoppers only type in their quote data once, and every company returns a competitive quote based on that data. This eliminates the need for repetitive form submissions for every car insurance company.

To access this free quoting program, click here to start a free quote.

The single downside to using this type of system is you can’t choose the providers to get pricing from. If you would rather choose individual companies to receive pricing from, we have a listing of companies who write car insurance in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just be sure to compare the exact same coverages for each comparison quote. If you have different data it’s impossible to determine which rate is truly the best. Quoting even small variations in coverages could skew the results. It’s important to know that more quotes increases your odds of finding more affordable rates. Some regional insurers cannot provide rate quotes online, so it’s recommended that you also compare rates on coverage from those companies, too.

Will just any policy work for me?

When it comes to buying adequate coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether or not you might need professional guidance.

  • How can I get high-risk coverage after a DUI?
  • When should I remove comp and collision on my 1994 Ford Aspire?
  • Can I still get insurance after a DUI?
  • What should my uninsured motorist coverage limits be in my state?
  • What is an SR-22 filing?
  • What if I total my 1994 Ford Aspire and owe more than it’s worth?
  • What is the ISO rating for a 1994 Ford Aspire?
  • Can my teen drive my company car?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Car insurance coverage information

Having a good grasp of your insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Liability insurance – Liability insurance protects you from damage that occurs to people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like funeral expenses, attorney fees, structural damage, legal defense fees and emergency aid. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Comprehensive coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like falling objects, fire damage and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Aspire.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like EMT expenses, dental work, X-ray expenses and nursing services. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverages – This pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like rolling your car, driving through your garage door, crashing into a building, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.