Lower Your 1998 Ford Contour Insurance Rates

Trying to find lower insurance coverage rates? Buyers have options when searching for the lowest priced Ford Contour insurance. You can either waste hours struggling with agents to get rate comparisons or leverage the internet to get rate quotes.

There is a right way and a wrong way to compare insurance coverage rates so we’re going to tell you the best way to compare rates for a Ford and get the cheapest rates.

If you have insurance now or are shopping for new coverage, you can use this information to find the best rates while maintaining coverages. This information will instruct you on how to get online quotes. Consumers only need an understanding of the tricks to shop their coverage around online.

These discounts can slash insurance coverage rates

Insuring your vehicles can cost a lot, but there could be available discounts that can drop the cost substantially. Some trigger automatically when you get a quote, but less common discounts must be inquired about prior to getting the savings. If you don’t get every credit possible, you are throwing money away.

  • Low Mileage Discounts – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Life Insurance – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Federal Employees – Active or retired federal employment can save as much as 8% on Contour coverage depending on your company.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Homeowners Discount – Owning a home may trigger a insurance coverage policy discount because owning a home shows financial diligence.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same insurance coverage policy could earn a price break for each car.

It’s important to understand that most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will reduce the cost of coverage.

Insurance companies that possibly offer these benefits may include but are not limited to:

Before buying, ask all companies you are considering which discounts you may be entitled to. Discounts may not be available in your area.

When might I need the advice of an agent?

When it comes to buying proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if you might need professional guidance.

  • Can I rent a car in Mexico?
  • When should I buy a commercial auto policy?
  • If I drive on a suspended license am I covered?
  • How can I get my company to pay me more for my totalled car?
  • Will my rates increase for filing one claim?
  • Is my Ford Contour covered if I use it for business?
  • Will my insurance pay for OEM parts?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Misconceptions in auto insurance advertisements

Consumers can’t get away from ads for car insurance savings by companies like State Farm, Geico and Progressive. All the ads have a common claim that you’ll save big if you switch to them.

How do they all make the same claim? This is how they do it.

All companies can use profiling for the type of driver that is profitable for them. A good example of a desirable insured could possibly be a mature driver, has no prior claims, and chooses high deductibles. Any new insured who matches those parameters receives the best rates and most likely will pay quite a bit less when switching companies.

Potential customers who don’t qualify for the requirements will be quoted a more expensive rate and this can result in the customer not buying. Company advertisements say “people who switch” not “people who quote” save that much. This is how insurance companies can confidently state the savings.

This emphasizes why it’s extremely important to get as many quotes as possible. Because you never know which insurance companies will fit your personal profile best.

Car insurance coverage considerations

Understanding the coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like EMT expenses, chiropractic care, prosthetic devices and doctor visits. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, rock chips in glass, a broken windshield, damage from flooding and a tree branch falling on your vehicle. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability insurance can cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like structural damage, medical expenses, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Contour.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are set the same as your liablity limits.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as backing into a parked car, hitting a parking meter, hitting a mailbox and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Do the work, save more money

In this article, we presented some good ideas how to shop for 1998 Ford Contour insurance online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest priced insurance coverage comes from the least-expected company.

Drivers switch companies for a variety of reasons including lack of trust in their agent, an unsatisfactory settlement offer, high prices and even being labeled a high risk driver. Regardless of your reason for switching companies, finding a new insurance coverage company is less work than it seems.

Cheaper insurance is definitely available on the web as well as from independent agents, and you need to price shop both to have the best selection. Some companies don’t offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

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