View 2000 Ford Contour Insurance Cost

Looking for lower car insurance rates for your Ford Contour? Feel like you’re a prisoner to overpriced car insurance? Believe me, you’re not alone. With consumers having so many companies and agents to choose from, it is hard for the average consumer to locate the most cost effective insurer.

Compare Car Insurance Today

All the larger car insurance companies such as State Farm, Geico and Progressive provide coverage prices on their websites. The process is quite easy as you simply enter your coverage preferences into the quote form. When complete, the company’s rating system obtains reports for credit and driving violations and generates a price. Online price quotes makes it a lot easier to compare rates but the time required to go to different websites and enter the same data into a form can be a bit repetitive. But it is imperative to compare as many rates as possible in order to get the best price possible.

The preferred way to get multiple rate quotes utilizes a single form to return rates from a lot of companies. It’s a real time-saver, eliminates repetitive work, and makes online quotes much easier. Immediately after submitting the form, it is rated and you can choose your choice of the resulting price quotes.

If you find a better price you simply finish the application and purchase coverage. It can be completed in less than 10 minutes and may save quite a bit of money.

To compare rates using this form now, click here to open in new window and submit your coverage information. If you currently have coverage, we recommend that you enter the coverage information identical to your current policy. This makes sure you will get rate comparison quotes based on similar coverages.

Do you qualify for a discount?

Insuring your fleet can be pricey, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you complete an application, but a few must be manually applied before they will apply. If you don’t get every credit available, you are paying more than you should be.

Discount for Good Grades – Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% on Contour insurance with select insurance companies.
Multi-policy Discount – If you insure your home and vehicles with the same company you could get a discount of at least 10% off all policies.
Accident Forgiveness – A handful of insurance companies will forgive one accident without raising rates if your claims history is clear for a set time period.
Anti-theft System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
Homeowners Savings – Owning a house can help you save on insurance due to the fact that maintaining a home requires personal responsibility.
Clubs and Organizations – Belonging to a qualifying organization could qualify you for a break on insurance on Contour insurance.
Use Seat Belts – Requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.
Multi-car Discount – Having more than one vehicle with the same company could earn a price break for each car.
Defensive Driving Course – Taking a defensive driving course could save 5% or more if you qualify.

Keep in mind that many deductions do not apply the the whole policy. Most cut individual premiums such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, insurance companies aren’t that generous. Any qualifying discounts will reduce your premiums.

For a list of insurance companies with discount insurance rates, click here to view.

What coverages do I need?

When choosing adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. For example, these questions might point out if your situation will benefit from professional help.

When should I remove comp and collision on my 2000 Ford Contour?
Do I need replacement cost coverage on my 2000 Ford Contour?
Why does it cost so much to insure a teen driver?
Exactly who is provided coverage by my policy?
Can I drive in Mexico and have coverage?
I don’t drive much so do I pay less?
Should I bundle my homeowners policy with my auto?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage options for a 2000 Ford Contour

Having a good grasp of a auto insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. These are typical coverage types found on the average auto insurance policy.

Auto liability

This can cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as emergency aid, repair bills for other people’s vehicles, bail bonds, court costs and funeral expenses. How much coverage you buy is up to you, but buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills such as hospital visits, ambulance fees, surgery, dental work and prosthetic devices. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2000 Ford Contour.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage

Collision insurance covers damage to your Contour resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with a tree, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive insurance

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, damage from a tornado or hurricane and hitting a bird. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.