1999 Ford Contour SVT Insurance Rates – 9 Ideas for Best Quotes

Looking for better insurance rates? Shoppers have lots of choices when shopping for low-cost Ford Contour SVT insurance. They can either waste time struggling with agents to get rate comparisons or save time using the internet to get rate quotes. There are more efficient ways to buy insurance and we’ll show you the best way to get price quotes for a Ford and locate the best price possible from both online companies and local agents.

The quickest method to compare car insurance rates is to realize most of the larger companies participate in online systems to quote your coverage. All you need to do is take a few minutes to give details including if your license is active, an estimate of your credit level, what you do for a living, and your education level. Your rating data is submitted instantly to many highly-rated insurers and you get price estimates instantly.

To find lower rates now, click here and enter the information requested.

Switch companies and save? Really?

Drivers get pounded daily by advertisements for cheaper car insurance by Geico, State Farm and Progressive. All the companies make an identical promise about how much you will save just by switching to their company.

It sounds good, but how can they all sell you cheaper insurance coverage?

All companies provide the lowest rates for a prospective insured that is profitable for them. An example of a profitable customer may need to be between the ages of 30 and 50, has no tickets, and does not commute to work. Anyone that fits those parameters will get a cheap rate quote and will probably save quite a bit of money when switching.

Potential customers who do not match those standards will have to pay higher prices which usually ends up with the customer not purchasing. If you listen closely, the ads state “customers who switch” not “everyone that quotes” save the amount stated. That is how insurance companies can confidently lure you into getting a quote. This really illustrates why you really need to get car insurance quotes as often as possible. It’s not possible to predict which insurance companies will have the best auto insurance rates.

Cheaper auto insurance rates with discounts

Some providers don’t necessarily list every policy discount very clearly, so we break down a few of the more common and the more hidden discounts that may be available.

  • Good Grades Discount – Getting good grades could provide a savings of up to 20% or more. The good student discount can last until age 25.
  • Drivers Education – Teen drivers should successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Auto/Home Discount – When you combine your home and auto insurance and insure them with the same company you may save up to 20% and get you affordable car insurance.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up may be able to save a few bucks off the personal injury premium cost.
  • Student in College – Children who live away from home at college without a vehicle on campus could qualify for this discount.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency so companies will give you a small discount.
  • Save with a New Car – Insuring a new car can get you a discount since new vehicles are generally safer.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents so you can save 10 percent or more.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for Contour SVT coverage than drivers with accidents.

Drivers should understand that many deductions do not apply the the whole policy. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

The best auto insurance companies and some of their more popular discounts can be found below.

  • American Family offers premium reductions for bundled insurance, mySafetyValet, air bags, TimeAway discount, good driver, and defensive driver.
  • Farm Bureau may include discounts for youthful driver, 55 and retired, safe driver, renewal discount, driver training, and multi-vehicle.
  • State Farm may offer discounts for anti-theft, accident-free, good driver, Drive Safe & Save, and passive restraint.
  • Travelers policyholders can earn discounts including payment discounts, driver training, new car, save driver, student away at school, home ownership, and multi-policy.
  • The Hartford discounts include good student, driver training, vehicle fuel type, bundle, defensive driver, and anti-theft.
  • Geico offers discounts for anti-theft, defensive driver, emergency military deployment, multi-vehicle, and daytime running lights.
  • Progressive may have discounts that include homeowner, online signing, good student, multi-vehicle, and online quote discount.

Before you buy a policy, ask all the companies which discounts they offer. Some discounts might not be offered in every state.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

For instance, these questions can help discover if your situation could use an agent’s help.

  • Am I covered when delivering products for my home-based business?
  • Are rental cars covered under my policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my state a no-fault state?
  • Is my teenager covered with friends in the car?
  • Is a new car covered when I drive it off the dealer lot?
  • What can I do if my company denied a claim?
  • Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Insurance coverage considerations

Learning about specific coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, vandalism, a tree branch falling on your vehicle and rock chips in glass. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills for things like X-ray expenses, prosthetic devices and hospital visits. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

This coverage protects you from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as emergency aid, repair bills for other people’s vehicles, pain and suffering, legal defense fees and medical services. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Contour SVT.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Collision insurance

Collision insurance covers damage to your Contour SVT resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like damaging your car on a curb, hitting a parking meter, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Best coverage at the best price

We just showed you quite a bit of information on how to save on 1999 Ford Contour SVT insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Drivers may discover the lowest prices are with a small local company.

As you quote car insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped physical damage coverage only to regret that it was a big mistake. The aim is to purchase plenty of coverage for the lowest cost, but do not skimp to save money.

Consumers change insurance companies for a variety of reasons including extreme rates for teen drivers, unfair underwriting practices, poor customer service and even being labeled a high risk driver. Whatever your reason, switching car insurance companies can be easier than you think.

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