Save on 1999 Ford Contour Insurance Rates

Searching for cheaper insurance rates for your Ford Contour? I can’t think of anyone who looks forward to paying premiums for insurance, especially when they are aware that they could get a better deal. People have multiple insurers to buy insurance from, and even though it’s nice to be able to choose, it can be more difficult to compare rates.

More affordable rates by taking advantage of discounts

Car insurance companies don’t necessarily list every discount they offer in an easy-to-find place, so the list below gives a summary of both the well known as well as some of the hidden discounts you could be receiving when you buy insurance coverage online.

  • Defensive Driving Course – Passing a course in defensive driving can save you 5% or more if your company offers it.
  • Sign Early and Save – Some larger companies provide a discount for buying a new policy before your current policy expires. You can save around 10% with this discount.
  • Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Bundle and Save – When you combine your auto and homeowners insurance with the same insurance company you may earn up to 20% and get you inexpensive insurance coverage.
  • Student in College – Kids who attend college more than 100 miles from home and leave their car at home may qualify for this discount.
  • Low Miles Discount – Keeping the miles down on your Ford could be rewarded with substantially lower premium rates.

One thing to note about discounts is that some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. Even though the math looks like you could get a free insurance policy, it’s just not the way it works.

Car insurance companies that possibly offer many of the previously listed discounts include:

When comparing rates, check with each company or agent to apply every possible discount. Depending on the company, some discounts might not be available to policyholders in your area. For a list of insurers with significant discounts, click this link.

How much insurance do I need?

When it comes to choosing coverage, there really is not a best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For instance, these questions might point out if your situation will benefit from professional help.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I get a multi-policy discount?
  • Is my cargo covered for damage or theft?
  • Can my babysitter drive my car?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does liability extend to a camper or trailer?
  • Am I missing any policy discounts?
  • Do I need rental car coverage?
  • Am I covered when pulling a rental trailer?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Buyer beware of insurance advertising tricks

Consumers can’t avoid all the ads that promise big savings by Progressive, Allstate and Geico. They all advertise claims that people will save just by switching your insurance coverage to their company.

How does every company say the same thing? This is the way they can do it.

Insurance companies require specific criteria for a prospective insured that will be a good risk. One example of a driver they prefer might be between the ages of 40 and 55, insures multiple vehicles, and drives a lower-performance vehicle. Any customer who matches that profile will get very good car insurance rates and is almost guaranteed to save money with a new company.

Potential customers who fall short of the “perfect” profile will probably be forced to pay a more expensive rate and ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone who quotes” save that much. That’s the way companies can truthfully make claims that they all have the best premium rates. This really drives home the point why you absolutely need to compare price quotes frequently. It is impossible to guess which company will have the best car insurance rates at this point in time.

Coverage specifics

Understanding the coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 1999 Ford Contour.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability auto insurance

Liability insurance protects you from damage that occurs to other people or property. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like repair costs for stationary objects, pain and suffering, funeral expenses and loss of income. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Coverage for collisions

This pays for damage to your Contour from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with a tree, backing into a parked car, crashing into a building, driving through your garage door and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive or 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 then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, damage from flooding and theft. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like dental work, funeral costs, X-ray expenses and EMT expenses. They are often utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Find Good Coverage for Less

We’ve covered quite a bit of information on how to get a better price on 1999 Ford Contour insurance. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising. These companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as Allstate or State Farm.

When trying to cut insurance costs, don’t be tempted to buy less coverage just to save a little money. There are many occasions where drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at the best cost.

Much more information about insurance coverage can be read on the following sites: