Cheap 1995 Ford Contour Insurance Rates

Drivers have lots of choices when trying to find affordable Ford Contour insurance. You can either waste hours contacting agents to get rate comparisons or save time using the internet to make rate comparisons.

There are both good and bad ways to buy auto insurance and you need to know the quickest way to price shop coverage for a new or used Ford and locate the cheapest rates either online or from local insurance agents.

You need to compare rates periodically since insurance prices change frequently. Just because you had the best deal for Contour insurance last year you may be paying too much now. Forget all the misinformation about auto insurance because you’re about to find out how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

If you have a current car insurance policy or are shopping for new coverage, you can use these techniques to cut your premiums and possibly find even better coverage. This information will tell you how to get online quotes and some tips to save money. Drivers only need an understanding of the tricks to compare company rates on the web.

Compare free auto insurance quotes

Finding more affordable 1995 Ford Contour auto insurance rates can be relatively painless. All you need to do is take time comparing price quotes to find. Rate comparisons can be done in just a few minutes using one of these methods.

  1. The most efficient way to find low rates would be an industry-wide quote request form like this one (opens in new window). This style of form eliminates the need for separate quotation requests for each company. One form submission gets prices estimates instantly.It’s the quickest way to get rates.
  2. A less efficient way to obtain and compare quotes online requires a trip to the website for every company you want to comare and complete a new quote form. For instance, we’ll assume you are doing a rate comparison from Auto-Owners, Progressive and Geico. You would need to navigate to each company’s site and type in your information over and over, which can get old fast. For a list of links to insurance companies in your area, click here.
  3. The hardest way to quote and compare insurance rates is to spend your day driving to insurance agencies in your area. Comparing rate quotes online has made agencies unnecessary unless your situation requires the extra assistance that only a licensed agent can provide. Although, it is possible comparison shop online but buy from a local insurance agent.

Whichever way you use, try to use exactly the same coverage data for each price quote. If you have differing limits it will be next to impossible to decipher which rate is best.

Lower rates by qualifying for discounts

Auto insurance is not inexpensive, but there could be available discounts that can help lower your rates. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be specifically requested before you will receive the discount.

  • Low Miles Discount – Driving less could qualify for better rates on cars that stay parked.
  • Anti-lock Brake System – Cars with ABS braking systems or traction control can avoid accidents and earn discounts up to 10%.
  • Discounts for Government Workers – Active or retired federal employment can earn a discount up to 10% for Contour insurance with a few auto insurance companies.
  • Save with a New Car – Adding a new car to your policy can save up to 30% because new model year vehicles keep occupants safer.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to buckle up before driving can save up to 15% on the medical payments or PIP coverage costs.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will save you 10% or more.

A little disclaimer on discounts, many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Just because you may think adding up those discounts means a free policy, nobody gets a free ride.

Some of the insurance companies who might offer most of these discounts possibly include:

Before buying, ask every prospective company what discounts are available to you. Depending on the company, some discounts might not be offered in your state. To see a list of auto insurance companies with discount auto insurance rates, click here.

Buy cheaper auto insurance with these tips

Lots of things are part of the equation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, although some other factors are more obscure like your vehicle usage or how safe your car is.

  • Policy add-ons can waste money – Policies have additional coverages that can waste your money when buying auto insurance. Insurance for vanishing deductibles, towing coverage, and Farm Bureau memberships could be just wasting money. The coverages may be enticing when you first buy your policy, but if you have no use for them eliminate them to save money.
  • Never go without auto insurance – Not having insurance is illegal and you may have a hard time finding new coverage because you let your insurance lapse. Not only will you pay more, being ticketed for driving with no insurance could earn you fines or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Reduce rates by driving vehicles with better crash test results – Cars with five star safety ratings tend to have lower insurance rates. Vehicles engineered for safety have better occupant injury protection and better occupant protection means less claims paid which can mean better rates for you. If the Ford Contour is rated at a minimum four stars on Safercar.gov it may cost less to insure.
  • Gender as a rate factor – Over the last 50 years, statistics have shown women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Women and men cause accidents in similar percentages, but males tend to have higher claims. They also get ticketed for serious violations like DUI and reckless driving. Teenage male drivers are the most expensive to insure and therefore are the most expensive to insure.

Insurance is unique, just like you

When it comes to buying proper insurance coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

For instance, these questions might point out if your insurance needs would benefit from professional advice.

  • Do I pay less for low miles?
  • Does liability extend to a camper or trailer?
  • Should I waive the damage coverage when renting a car?
  • Should I buy only the required minimum liability coverage?
  • Does my 1995 Ford Contour qualify for pleasure use?
  • Do I need motorclub coverage?
  • Should I put collision coverage on all my vehicles?
  • How much underlying liability do I need for an umbrella policy?
  • Is a fancy paint job covered?
  • How much can I save by bundling my policies?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can provide invaluable advice.

Car insurance coverages explained

Learning about specific coverages of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for nursing services, chiropractic care, EMT expenses, hospital visits and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Contour.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverages – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, vandalism and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverages – This covers damage to your Contour from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, backing into a parked car, damaging your car on a curb, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability auto insurance – Liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like repair bills for other people’s vehicles, pain and suffering, emergency aid, bail bonds and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

A fool and his money are soon parted

People who switch companies do it for many reasons like not issuing a premium refund, being labeled a high risk driver, questionable increases in premium and extreme rates for teen drivers. Whatever your reason, choosing a new insurance company is not as difficult as it may seem.

Throughout this article, we presented a lot of tips how to lower your 1995 Ford Contour insurance rates. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates are with an unexpected company.

There are still a few companies who may not provide the ability to get a quote online regional carriers provide coverage only through independent agents. Budget-friendly insurance coverage can be bought online as well as from insurance agents, so you should be comparing quotes from both to have the best selection.

Much more information about insurance coverage can be found at the links below