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

Buyers have options when searching for low-cost Ford Contour SVT insurance. They can either waste time contacting agents to get rate comparisons or leverage the internet to compare rates. There are both good and bad ways to buy insurance coverage so we’re going to tell you the quickest way to price shop coverage on a Ford and get the best price possible either online or from local insurance agents.

If you have insurance now or are looking for a new policy, you can learn to get lower rates while maintaining coverages. This article will instruct you on the most effective way to quote insurance and some tips to save money. Consumers just need to learn the most effective way to compare prices online.

Automobile Insurance Quotes

There are a lot of ways to shop for insurance, but there is one way that is less labor-intensive and much quicker. You could waste time driving to agents in your area, or you can stay home and use online quotes to get pricing more quickly.

The majority of car insurance companies are enrolled in a marketplace that enables customers to complete one form, and each company returns a rated price based on that data. This saves time by eliminating repetitive form submissions to each individual insurance company.

To submit your quote information now, click here to open in new window.

The only downside to doing it this way is buyers cannot specifically choose which carriers to get quotes from. If you wish to select specific insurance companies to compare rates, we have a page of low cost insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make darn sure you compare identical coverages and limits for every company. If you are comparing different limits and deductibles on each one it’s impossible to find the best deal for your Ford Contour SVT.

The insurance bait and switch

Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as State Farm, Geico and Progressive. All the ads make an identical promise of big savings if you switch your policy.

How does each company claim to save you money?

All companies have a certain “appetite” for the type of driver that earns them a profit. For instance, a preferred risk might be profiled as a mature driver, has no driving citations, and drives newer vehicles. A customer that hits that “sweet spot” gets the lowest rates and therefore will save quite a bit of money when switching.

Potential insureds who are not a match for this ideal profile will have to pay higher premiums which leads to the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can confidently advertise the savings. Because of the profiling, you should get as many comparisons as possible. It’s just too difficult to predict the company that will have the lowest Ford Contour SVT insurance rates.

Lots of discounts mean lots of savings

Auto insurance companies don’t necessarily list all available discounts very well, so here is a list some of the best known as well as the least known savings tricks you should be using. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Air Bag Discount – Vehicles equipped with air bags can qualify for discounts of up to 25% or more.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Drive Less and Save – Keeping the miles down on your Ford could be rewarded with discounted rates on garaged vehicles.
  • Student in College – Any of your kids who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Just because you may think adding up those discounts means a free policy, companies don’t profit that way.

Insurance companies that possibly offer these discounts include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Discounts might not apply in your area.

Situations that might require an agent

When it comes to buying adequate coverage, there is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine whether you would benefit from an agent’s advice.

  • Am I covered when using my vehicle for business?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered if I wreck a rental car?
  • Does insurance cover tools stolen from my truck?
  • Does coverage extend to Mexico or Canada?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Auto insurance coverage information

Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills for chiropractic care, pain medications, doctor visits and dental work. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This pays for damage to your Contour SVT resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as driving through your garage door, scraping a guard rail, sideswiping another vehicle, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Ford Contour SVT.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability car insurance

This provides protection from damage or injury you incur to a person or their property. It protects YOU against claims from other people. It does not 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. You might see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like structural damage, bail bonds and funeral expenses. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, hitting a bird and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Knowledge is power

Drivers who switch companies do it for a number of reasons such as denial of a claim, poor customer service, high prices and even extreme rates for teen drivers. No matter why you want to switch, finding a great new company can be less work than you think.

You just learned many ideas to shop for 1999 Ford Contour SVT insurance online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the most savings is with some of the smallest insurance companies.

When trying to cut insurance costs, it’s very important that you do not reduce coverage to reduce premium. In many instances, drivers have reduced collision coverage only to regret that they should have had better coverage. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.

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