Want cheaper insurance rates for your Ford Contour? No sane person looks forward to paying premiums for insurance, especially when they are aware that the cost is way too high.
People have multiple insurers to purchase coverage from, and even though it’s nice to have a selection, more options can take longer to find the lowest cost provider.
It’s a great practice to price shop coverage before your next renewal because prices change quite often. Despite the fact that you may have had the best price for Contour coverage a year ago a different company probably has better rates today. You can find a lot of wrong information about insurance on the web, but in a few minutes you can learn the best ways to find cheap insurance.
Finding affordable coverage is not rocket science. Basically, anyone who has to buy insurance stands a good chance to be able to find better rates. Nevertheless, car owners can benefit from knowing how the larger insurance companies determine prices and take advantage of how the system works.
A large part of saving on insurance is knowing the factors that help calculate your policy premiums. If you know what determines base rates, this enables you to make decisions that could result in lower premium levels.
To find cheaper car insurance quotes, there are several ways to get quotes from different insurance companies. By far the easiest way to find the lowest Ford Contour rates is to perform an online rate comparison. It is quite easy and can be accomplished in a couple minutes as outlined below.
The most efficient method consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating repetitive form submissions for every car insurance company. Just one form gets rate comparisons instantly.
Another way to compare prices requires a visit to each company’s website and repeat the quote process again and again. For example, let’s say you want to see prices from Geico, Farmers and Travelers. To get each rate you have to visit each site and enter your information, and that explains why we recommend the first method.
To view a list of companies in your area, click here.
Whichever method you choose, be sure to compare the same information for every company. If your comparisons have unequal deductibles or liability limits you will not be able to determine the lowest rate for your Ford Contour. Quoting even small variations in coverages could throw off the whole comparison. It’s important to know that comparing all the rates in your area helps increase your odds of locating the best rates. Not every company allows you to get price estimates online, so it’s important to also get rates from those companies as well.
Insurance providers like 21st Century, Allstate and State Farm consistently run ads in print and on television. They all advertise the message that drivers can save some big amount just by moving your policy. How do they all make almost identical claims? It’s all in the words they use.
Most companies offer their best rates for the type of driver that will add to their bottom line. An example of a desirable insured might be over the age of 40, has no driving citations, and insures a new vehicle. A propective insured who matches those parameters will get low car insurance rates and as a result will probably save if they switch.
Drivers who do not meet those standards must pay higher prices which translates to the customer not purchasing. The wording the ads use say “drivers that switch” not “everyone who quotes” save that much when switching. That’s the way insurance companies can claim big savings. This illustrates why it’s extremely important to get car insurance quotes as often as possible. Because you never know with any certainty which company will be your best fit.
Companies offering auto insurance don’t list every disount available very well, so the list below details some of the more common and also the lesser-known discounts that you may qualify for. If you do not double check each discount possible, you’re just leaving money on the table.
Discounts lower rates, but most of the big mark downs will not be given to your bottom line cost. Most only cut specific coverage prices like collision or personal injury protection. So even though you would think all the discounts add up to a free policy, company stockholders wouldn’t be very happy.
Large car insurance companies and their offered discounts are included below.
Check with all companies you are considering which discounts can lower your rates. All car insurance discounts may not be available everywhere. To see car insurance companies who offer online car insurance quotes, click here to view.
When buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique so this has to be addressed. These are some specific questions could help you determine if you may require specific advice.
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.
Knowing the specifics of your insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find typical coverages offered by insurance companies.
Auto liability insurance
This coverage can cover injuries or damage you cause to other’s property or people. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability coverage pays for claims such as court costs, legal defense fees, attorney fees, medical expenses and pain and suffering. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.
Protection from uninsured/underinsured drivers
This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Contour.
Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.
Comprehensive (Other than Collision)
Comprehensive insurance coverage will pay to fix 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 can pay for claims like hail damage, damage from flooding, falling objects, a broken windshield and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Collision insurance
Collision insurance will pay to fix damage to your Contour resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against things such as rolling your car, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.
Medical expense insurance
Med pay and PIP coverage reimburse you for immediate expenses like X-ray expenses, hospital visits, nursing services, rehabilitation expenses and chiropractic care. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage
We’ve covered many ways to get a better price on 1996 Ford Contour insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your prices. Drivers may discover the biggest savings come from an unexpected company. Smaller companies may have significantly lower prices on certain market segments than their larger competitors like Allstate or State Farm.
When shopping online for insurance coverage, do not skimp on coverage in order to save money. Too many times, consumers will sacrifice collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage for the lowest cost while still protecting your assets.
Some companies may not provide the ability to get quotes online and these smaller companies prefer to sell through independent insurance agencies. Budget-friendly insurance coverage is available from both online companies in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis.
Additional insurance coverage information can be found below: