Cheap 1999 Ford Contour Car Insurance Quotes

Looking for lower car insurance rates for your Ford Contour? Finding low-cost insurance for a new or used Ford Contour can normally be an all-consuming task, but you can learn our car insurance buying tips to make it easier. There are both good and bad ways to compare car insurance rates and we’ll show you the proper way to compare rates for your Ford and locate the cheapest rates either online or from local insurance agents.

Consumers should take time to get comparison quotes quite often because insurance rates go up and down regularly. Just because you found the best deal on Contour insurance on your last policy you may be paying too much now. So forget anything you know (or think you know) about car insurance because you’re going to learn the only way to find better rates and still maintain coverage.

If you are insured now or need new coverage, you can use these tips to get lower rates and still get good coverage. Locating the lowest cost coverage is simple if you know the tricks. Drivers just need to know the tricks to get comparison quotes on the web.

Take discounts and save

Companies do not list every available discount very clearly, so we took the time to find both the well known and also the lesser-known savings tricks you should be using. If you’re not getting every credit possible, you are throwing money away.

  • Paperwork-free – A handful of insurance companies give back up to $50 just for signing your application on their website.
  • Driver Safety – Completing a driver safety course could save 5% or more if you qualify.
  • Government Employees – Simply working for the federal government can save as much as 8% on Contour insurance with certain companies.
  • Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Life Insurance Discount – Some companies give better rates if you take out life insurance from them.
  • Accident Waiver – Some insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Memberships – Affiliation with a qualifying organization could trigger savings when buying insurance on Contour insurance.

Consumers should know that some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.

Car insurance companies that may offer some of the above discounts include:

It’s a good idea to ask each company how you can save money. Some discounts may not apply in your state.

Complexity of Ford Contour insurance rates

An important part of buying insurance is that you know some of the elements that go into determining insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that may reward you with big savings.

  • Lower deductibles cost more – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Ford. Some examples of claims that would be covered could be running into the backend of another car, collision with an animal, and rolling your vehicle. Your deductibles are how much you are willing to pay before a claim is paid by your company. The more money the insured has to pay upfront, the less your insurance will be on Contour insurance.
  • Do you have a high stress job? – Careers like real estate brokers, executives and dentists are shown to have the highest average rates because of stressful work requirements and lots of time spent at work. Other jobs such as scientists, historians and retirees pay the least on Contour insurance.
  • Rural vs Urban Areas – Residing in small towns and rural areas can save you money when it comes to insurance. Lower population translates into fewer accidents as well as less vandalism and auto theft. City drivers have to deal with traffic congestion and longer commutes to work. More time on the road means higher likelihood of an accident.
  • Optional equipment can affect rates – Owning a car with a theft deterrent system can get you a discount on your insurance. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.

Which policy gives me the best coverage?

When it comes to buying coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

For example, these questions could help you determine if your situation might need an agent’s assistance.

  • Should I buy only the required minimum liability coverage?
  • Should I rate my 1999 Ford Contour as pleasure use or commute?
  • How does medical payments coverage work?
  • Am I covered if my car is in a flood?
  • Do I need added coverage for expensive stereo equipment?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my teenager covered with friends in the car?
  • Does insurance cover damages from a DUI accident?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Don’t believe everything you hear

Drivers can’t ignore all the ads for car insurance savings from companies such as 21st Century, Allstate and State Farm. They all seem to make the same claim that you can save if you change your policy.

But how can every company say the same thing?

Different companies have a certain “appetite” for the driver that makes them money. For example, a desirable insured might be over the age of 50, insures multiple vehicles, and has a short commute. A driver that hits that “sweet spot” will get the preferred rates and therefore will save a lot of money.

Consumers who don’t measure up to this ideal profile will have to pay higher prices which usually ends up with business not being written. The ads say “customers that switch” not “people who quote” save that much money. That is how companies can make those claims. Because of the profiling, drivers must quote coverage with many companies. You cannot predict which auto insurance company will give you the biggest savings on Ford Contour insurance.

Car insurance coverage specifics

Learning about specific coverages of a car insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

This 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 insurance covers things like a broken windshield, rock chips in glass, damage from getting keyed, falling objects and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability

This can cover damages or injuries you inflict on a person or their property. 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: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as repair bills for other people’s vehicles, funeral expenses, medical services, medical expenses and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for bills like chiropractic care, funeral costs, nursing services and dental work. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, rolling your car, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage on a shoestring budget

Discount 1999 Ford Contour insurance can be sourced online as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. Some companies don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

Consumers leave their current company for a number of reasons such as delays in paying claims, policy non-renewal, poor customer service or policy cancellation. It doesn’t matter why you want to switch finding the right insurance coverage provider can be easy and end up saving you some money.

In this article, we covered many tips how you can reduce insurance prices online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from an unexpected company.

For more information, link through to the resources below: