View 1997 Ford Contour Car Insurance Rates

Looking for the cheapest auto insurance rates for your Ford Contour? Do you get exhausted from not being able to afford each month for auto insurance? You are in the same boat as most other vehicle owners. Vehicle owners have so many insurance companies to pick from, and though it is a good thing to have a choice, it can be more difficult to get the best deal.

It is always a good idea to check auto insurance prices quite often because insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rates for Contour coverage on your last policy the chances are good that you can find a lower premium rate today. You can search a lot of auto insurance online, but you can learn some solid techniques on how to stop overpaying for insurance.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these tips. Consumers just need to learn the most efficient way to compare prices online.

Quote auto insurance online

Most of the larger companies like Geico, State Farm and Progressive make it easy to get coverage prices on their websites. Getting online rates is pretty painless as you just enter the coverages you want into the quote form. After you complete the form, the system orders your driving record and credit report and returns pricing information based on these and other factors. Being able to quote online makes it a lot easier to compare rates but the work required to visit multiple sites and type in the same information gets old quite quickly. But it’s very important to have as many quotes as possible if you want to get the lowest price.

A quicker way to get multiple rate quotes requires only one form that gets price quotes from multiple companies. It’s a real time-saver, reduces the work, and makes online price comparison much easier to do. As soon as the form is sent, it gets priced with multiple companies and you can pick any one of the pricing results. If a lower price is quoted, it’s easy to complete the application and buy the new coverage. The entire process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To find out how much you can save on auto insurance, click here and submit the form. If you have coverage now, it’s recommended you duplicate just like they are on your policy. This helps ensure you’re receiving a fair comparison using the exact same coverages.

Don’t miss these discounts

Insuring your vehicles can cost a lot, but you may be missing some discounts that many consumers don’t even know exist. Some discounts will apply when you quote, but a few must be specifically requested before they will apply. If you do not double check each discount available, you are paying more than you should be.

  • Telematics Discount – Insureds that choose to allow their company to track driving patterns remotely such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates as long as the data is positive.
  • New Vehicle Savings – Buying a new car model can save you some money because newer models keep occupants safer.
  • Renewal Discounts – A few insurance companies give discounts for switching to them before your current coverage expires. It can save you around 10%.
  • Discounts for Federal Employees – Active or former government employment could provide a small rate reduction for Contour coverage with certain companies.
  • Accident Forgiveness Coverage – Not necessarily a discount, but some insurance companies will forgive one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Multi-line Discount – If the company offers life insurance, you could get better rates if you take out a life insurance policy as well.
  • Anti-lock Brake System – Vehicles that have anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.

Policy discounts save money, but many deductions do not apply the the whole policy. Most only cut individual premiums such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

A partial list of companies that may offer policyholders some of the above discounts are:

Before buying, ask each insurance company which discounts you may be entitled to. A few discounts might not be offered in your area. To locate providers offering insurance coverage discounts, follow this link.

Special considerations

When buying coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions might help in determining whether you may require specific advice.

  • What is an SR-22 filing?
  • Am I covered if hit by an uninsured driver?
  • Who is covered by my policy?
  • What is the minimum liability in my state?
  • Why am I required to buy high-risk coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • When should my teen driver be added to my policy?
  • What if I total my 1997 Ford Contour and owe more than it’s worth?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

Buy Ford Contour insurance cheaper

Many things are used in the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving record, but other criteria are less apparent such as your marital status or your financial responsibility.An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for car insurance. If you understand what impacts premium levels, this helps enable you to make changes that may reward you with lower premium levels.

The following are most of the major factors companies use to determine premiums.

  • Be proud to be claim-free – If you frequently file small claims, you shouldn’t be surprised to get much higher rates or policy non-renewal. Insurance companies provide lower rates to people who only file infrequent claims. Your insurance policy is intended for claims that pose a financial burden.
  • Teenagers vs. older drivers – Teen drivers are statistically proven to get distracted easily with other occupants in the car and because of this, their car insurance rates are much higher. Parents adding a beginning driver to your car insurance policy can be very expensive. Mature drivers are shown to be more cautious, statistically cause fewer accidents and receive fewer citations.
  • A good credit rating can save money – An insured’s credit history is a large factor in determining what you pay. Insureds that have excellent credit tend to file fewer claims and have better driving records than drivers who have poor credit. If your credit is low, you could potentially save money when insuring your 1997 Ford Contour by repairing your credit.
  • Vehicles with better crash test results means lower rates – Vehicles with high crash test scores tend to have lower insurance rates. The safest vehicles protect occupants better and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders.
  • Marriage pays dividends – Walking down the aisle may save some money on your car insurance policy. Marriage generally demonstrates drivers are more financially stable and it’s statistically proven that drivers who are married file infrequent claims.
  • Low deductibles mean high premiums – The deductibles define how much you are willing to pay before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply are rearending another vehicle, animal collisions, or theft of your vehicle. The more of the claim you’re willing to pay, the less your company will charge you for insurance for Contour coverage.

Educate yourself about insurance coverages

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. These are typical coverages found on the average insurance policy.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from getting keyed, rock chips in glass, theft and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like chiropractic care, pain medications and EMT expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage pays for damage to your Contour resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a building, hitting a mailbox, sustaining damage from a pot hole, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Liability

Liability insurance protects you from damage that occurs to other people or property. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as emergency aid, repair bills for other people’s vehicles, attorney fees, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Quote often and quote early

As you quote insurance coverage, do not reduce needed coverages to save money. In many cases, consumers will sacrifice liability coverage limits only to find out they didn’t have enough coverage. Your goal is to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.

In this article, we covered a lot of tips how to lower your 1997 Ford Contour insurance premium rates. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest premium rates come from a lesser-known regional company. Smaller companies often have lower prices on specific markets compared to the large companies like Progressive or Geico.

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