How Much Does 1998 Ford Contour SVT Insurance Cost?

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.

How insurance companies calculate Ford Contour SVT insurance premiums

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.

  • Marriage discount – Your spouse can get you a discount on auto insurance. Marriage demonstrates that you tend to be less irresponsible and statistics prove drivers who are married file infrequent claims.
  • Continuous auto insurance coverage saves money – Driving with no insurance is illegal and auto insurance companies will penalize you for letting your coverage lapse. In addition to paying higher rates, getting caught without coverage could result in a steep fine or even jail time. Then you may be required to file a SR-22 with your state DMV.
  • Teenagers vs. older drivers – Drivers with little experience are known to be careless and easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates. Older people are viewed as being more responsible, tend to cause fewer accidents , and usually have better credit.
  • Premiums may be higher where you live – Choosing to live in less populated areas of the country has definite advantages when insuring your vehicles. Drivers in populated areas tend to have much more traffic and more time behind the wheel. Lower population means reduced accidents and a lower car theft rate.
  • Frequent auto insurance claims will cost you – Auto insurance companies provide better rates to drivers who only file infrequent claims. If you are the type of insured that files lots of claims you can expect either a policy non-renewal or much higher rates. Auto insurance is meant to be used in the event of more catestrophic claims.
  • Vehicles with better crash test results save money – Vehicles that have high safety ratings tend to be cheaper to insure. Vehicles built for safety reduce the chance of injuries and lower rates of occupant injuries means less money paid by your insurance company and lower rates for you. If your Ford Contour SVT is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

Low cost car insurance

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.

These discounts can reduce insurance rates

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.

  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and therefore earn up to a 10% discount.
  • Defensive Driver – Taking part in a class that teaches defensive driving techniques may get you a small discount and make you a better driver.
  • Mature Driver Discount – Older drivers may receive lower premium rates for Contour SVT insurance.
  • Telematics Data – Drivers who elect to allow their company to scrutinize driving patterns by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if their driving habits are good.
  • Auto/Life Discount – Not all companies offer life insurance, but some may give you a lower insurance rate if you buy some life insurance in addition to your auto policy.
  • Policy Bundle Discount – If you insure your home and vehicles with the same company you may save up to 20% off your total premium.
  • Multiple Cars – Insuring multiple cars with the same company can get a discount for every vehicle.
  • Responsible Driver Discounts – Drivers without accidents can pay as much as 50% less for Contour SVT insurance than less cautious drivers.

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 do I need an agent’s advice?

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.

  • Where can I get insurance after a DUI in my state?
  • Will filing a claim cost me more?
  • Why am I required to buy liability insurance?
  • Is my cargo covered for damage or theft?
  • Is my state a no-fault state?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does my car insurance cover rental cars?
  • Do I need higher collision deductibles?
  • What is an SR-22 filing?
  • Is my babysitter covered when using my vehicle?

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.

Information about specific coverages

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.

Affordable insurance is out there

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.

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