Searching for the cheapest car insurance rates for your Ford Contour SVT? Do you get exhausted from being strong-armed to pay car insurance each month? You have the same problem as the majority of other drivers. Due to the large number of insurance providers from which to choose, it is hard for the average consumer to pick the right insurer.
It’s important to shop coverage around once or twice a year because insurance prices tend to go up over time. If you had the best rates for Contour SVT insurance a year ago you can probably find a better rate quote now. You can find a lot of misleading information regarding car insurance online but in just a couple of minutes you can learn some excellent ideas to reduce your car insurance bill.
Consumers need to have an understanding of the different types of things that aid in calculating your policy premiums. When consumers understand what influences your rates, this enables you to make decisions that can earn you big savings. Lots of things are part of the equation when premium rates are determined. Some of the criteria are obvious such as your driving history, but some are less apparent like your continuous coverage or how safe your car is.
All major car insurance companies make it easy to get prices for coverage online. Getting prices online doesn’t take much effort as you just type in the coverages you want into the quote form. Once you submit the form, their quoting system automatically orders your credit score and driving record and returns a price quote based on many factors. Online price quotes simplifies rate comparisons, but having to visit each company’s website and repetitively type in the same data can be a bit repetitive. But it’s also necessary to do this in order to find a better rate.
Online rates the easy way
A quicker way to lower your car insurance bill uses just one form that analyzes rates from a bunch of companies at once. It’s a real time-saver, reduces the work, and makes comparison shopping much more enjoyable and efficient. After sending the form, it is quoted and you can select any one of the resulting price quotes.
If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The whole process takes just a few minutes to complete and may result in a nice savings.
In order to compare rates using this form now, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you copy just like they are on your policy. This makes sure you will be getting comparison quotes for the exact same coverage.
Insurance is easily one of your largest bills, but you might find some hidden discounts that can drop the cost substantially. Some discounts apply automatically at quote time, but some must be asked for in order for you to get them.
A quick disclaimer, most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any qualifying discounts should help lower the amount you pay for coverage.
To view insurance companies that can offer you the previously mentioned discounts, click here.
When it comes to buying coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions may help you determine if your situation will benefit from professional help.
If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.
Learning about specific coverages of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages available from auto insurance companies.
Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as damage from a tornado or hurricane, rock chips in glass, fire damage and a tree branch falling on your vehicle. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Insurance for medical payments – Med pay and PIP coverage reimburse you for bills such as prosthetic devices, nursing services, hospital visits, surgery and funeral costs. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible
Liability insurance – This coverage will cover damages or injuries you inflict on a person or their property. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability can pay for claims such as medical expenses, medical services, pain and suffering and court costs. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Collision coverages – This pays for damage to your Contour SVT from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims like sideswiping another vehicle, scraping a guard rail, crashing into a building, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.
Budget-conscious 1998 Ford Contour SVT insurance is definitely available from both online companies as well as from insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies do not offer rate quotes online and these smaller companies only sell through local independent agents.
As you quote car insurance, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced collision coverage only to regret at claim time that the savings was not a smart move. Your objective should be to buy enough coverage at the best possible price, but do not skimp to save money.
We just covered many tips how you can save on 1998 Ford Contour SVT insurance. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the best rates are with some of the smallest insurance companies. Regional companies often have lower car insurance rates on specific markets than their larger competitors like State Farm and Allstate.