1996 Ford Contour Insurance Quotes – 5 Tricks for Cheaper Rates

Searching for cheaper insurance rates for your Ford Contour? I can’t think of a single person who enjoys paying for insurance, especially knowing they are paying too much. Because there are so many insurance companies to choose from, it can be challenging to locate the right insurer.

You should make it a habit to check insurance prices before your policy renews since rates change quite often. Despite the fact that you may have had the lowest price on Contour coverage on your last policy other companies may now be cheaper. Forget all the misinformation about insurance because you’re about to find out the proper way to get good coverage at a lower rate.

Locating the best car insurance coverage is simple if you know the tricks. If you are insured now or are looking for a new policy, you can learn to shop for the lowest rates and still get good coverage. Consumers only need to know the most efficient way to compare company rates online.

The quickest method we recommend to get policy rate comparisons is to take advantage of the fact all the major auto insurance companies will pay a fee to compare their rates. The one thing you need to do is provide the companies a bit of rating information like whether you have decent credit, what your job is, marital status, and if your license is active. The rating information is instantly sent to all major companies and you receive quotes instantly to find the best rate.

To start a quote now, click here and find out if you can get cheaper insurance.

Discounts on Ford Contour insurance

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to reduce the price significantly. Most are applied when you quote, but a few need to be inquired about before they will apply. If you aren’t receiving every discount available, you are paying more than you should be.

  • Passive Restraints and Air Bags – Cars that have air bags may earn rate discounts of more than 20%.
  • Defensive Driving Course – Completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on Contour coverage with a few insurance companies.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Accident Forgiveness – A few companies allow you one accident before hitting you with a surcharge if you are claim-free prior to the accident.

It’s important to understand that some credits don’t apply to the entire cost. The majority will only reduce the cost of specific coverages such as comp or med pay. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts will help reduce your premiums.

For a list of insurers who offer insurance discounts, click this link.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there really is no one size fits all plan. Every situation is different so this has to be addressed. These are some specific questions may help you determine if you might need an agent’s assistance.

  • When would I need additional glass coverage?
  • Am I covered if I hit a deer?
  • Should I sign the liability waiver when renting a car?
  • Does medical payments coverage apply to all occupants?
  • Does my personal policy cover me when driving out-of-state?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage breakdown

Understanding the coverages of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Contour.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a bird, theft and hail damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

This will cover damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as medical expenses, loss of income, funeral expenses, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

Collision coverage will pay to fix damage to your Contour caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a building, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses for ambulance fees, doctor visits and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

More effort can pay off

Cost effective 1996 Ford Contour insurance can be sourced on the web in addition to many insurance agents, so compare prices from both to have the best selection. Some companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

As you shop your coverage around, do not sacrifice coverage to reduce premiums. There are many occasions where an insured cut liability limits or collision coverage only to discover later that they should have had better coverage. Your goal should be to purchase plenty of coverage for the lowest price.

More tips and info about insurance coverage is located in the articles below: