Searching for the cheapest insurance rates for your Ford Contour? Do you get exhausted from sacrificing other expenses to make your insurance payment? You have the same problem as the majority of other people. Lots of insurance companies contend for your insurance dollar, so it can be very hard to choose a provider and get the definite best price available.
There are several ways to shop for car insurance, but some are easier and takes less work. You can spend your afternoon driving to insurance agencies in your area, or you could save time and use the internet to accomplish the same thing much quicker.
Most of the best insurance companies take part in a program where prospective buyers only type in their quote data once, and every company then gives them pricing based on the submitted data. This prevents consumers from doing form submissions to each individual car insurance company.
To participate in this free quote system, click here (opens in new window).
The single downside to using this type of form is you can’t choose which carriers to get quotes from. If you wish to select specific insurance companies to compare rates, we put together a list of low cost car insurance companies in your area. Click to view list.
You can use whichever method you prefer to find lower rates, just make sure you compare exactly the same quote information with every price quote. If you compare different limits and deductibles on each one it will be impossible to truly determine the lowest rate.
Insurance can cost an arm and a leg, but you may be missing some discounts that can help lower your rates. Most are applied at quote time, but some must be asked for before you will receive the discount. If you don’t get every credit you qualify for, you could be getting lower rates.
As is typical with insurance, many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as collision or personal injury protection. Even though it appears all those discounts means the company will pay you, it’s just not the way it works.
Car insurance companies that possibly offer some of the discounts shown above include:
It’s a good idea to ask every company which discounts they offer. A few discounts may not apply to policies in your area.
The best way to find cheaper insurance is to take a look at a few of the rating criteria that play a part in calculating the rates you pay for insurance. If you have a feel for what influences your rates, this enables informed choices that could result in lower insurance prices. Many different elements are used in the calculation when quoting car insurance. Some are obvious like a motor vehicle report, although others are less obvious such as your marital status or how financially stable you are.
When choosing proper insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For instance, these questions may help highlight if you might need professional guidance.
If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.
Consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of Allstate, Geico and Progressive. They all seem to seem to make the promise that people will save if you get a free auto insurance quote and switch your policy.
How do they all give you a lower rate? Here is how they do it.
Auto insurance companies have an ideal profile for the type of customer that makes them money. One example of a preferred risk should be between the ages of 30 and 45, has no prior claims, and has a short commute. Any new insured who meets those qualifications will most likely get cheap car insurance rates and have a good chance to save a lot if they switch.
Potential insureds who don’t meet the requirements must pay a higher premium which translates to the driver buying from a lower-cost company. If you pay attention, the ads say “drivers that switch” but not “all drivers who get quotes” save that much. That’s why insurance companies can state the savings.
This really illustrates why drivers must get a wide range of price quotes. You cannot predict which company will have the lowest rates for your situation.
Learning about specific coverages of your car insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types available from car insurance companies.
Liability insurance provides protection from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability can pay for claims such as bail bonds, structural damage, medical expenses, funeral expenses and medical services. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.
Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like hail damage, falling objects, hitting a bird, damage from getting keyed and hitting a deer. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Collision insurance covers damage to your Contour caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as scraping a guard rail, rolling your car, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, 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 get cheaper collision coverage.
This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Contour.
Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like doctor visits, chiropractic care and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
When shopping online for insurance coverage, it’s not a good idea to reduce coverage to reduce premium. There are many occasions where someone dropped uninsured motorist or liability limits only to find out that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.
You just read many ideas to shop for 1998 Ford Contour insurance online. It’s most important to understand that the more times you quote, the higher your chance of finding affordable auto insurance. Consumers may even find the lowest car insurance rates come from the smaller companies. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm, Geico and Nationwide.
More tips and info about insurance coverage is located at these sites: